Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. For $9.95 . 251.5462. Licensed Insurance Producer - Pawlicy Advisor. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SPOT MAKES NO, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES ON OR ACCESSED VIA THE SERVICES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON- INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. If you do not know the exact date of birth of your pet, please use your best estimate based on your pets medical records or shelter/rescue documentation. To review the plan best for you, click here. Required fields are marked *. Its not available in NY. You're on the Spot US website. If you are thinking about canceling your policy because your pet seems perfectly healthy and hasnt had any major medical issues, keep in mind that health conditions can happen at any time. You can cancel pet insurance at any time. Depending on the exact type of information they need, there . 2. HOW DO I WIN? You should not disregard medical advice as a result of any content on the Site, or otherwise consider any content on the Offerings to be a substitute for professional legal advice. List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. What you should know. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. There is a 14-day waiting period for coverage. Pet Insurance Plans Find out what eligible conditions and accidents our plans cover. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. To get reimbursed on routine cleanings for your dog or cats general wellbeing, youll need to add preventive coverage to your base plan for a little extra cost per month. This means that any illnesses or injuries related to that condition will not be covered. NOTICE TO WASHINGTON APPLICANTS:It is a crime to knowingly provide false, incomplete, or misleading information to an insurance company for the purpose of defrauding the company. Based on a comparison of top pet insurance companies on ConsumerRating.org. If you are moving to a new state, please contact the Customer Service team at 1.800.905.1595. You accept these changes by renewing your policy. PRIVACY. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Your email address will not be published. No refund. Additional pets added receive 10% off their premium with Spot plans multi-pet discount. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! All requests to appeal your claim must be made in writing to us. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path. Sponsor assumes no responsibility for any error; omission; interruption; deletion; defect; delay in operation or transmission; communications-line failure; or theft, destruction, unauthorized access to, or alteration of Entries. Cancellation requests can be submitted in the form of fax, regular mail, email, or done verbally. Get inspired and try out new things. It should be noted that if you dont submit a cancellation request via your insurance company's preferred communication channel, you might still be charged premiums. Where SPOT participates in contingent commission arrangements with insurance companies, SPOT may be entitled to additional commission in the range of 0 to 2% depending upon whether and when specified thresholds are achieved.2.2 Third-Party Services. West Palm Beach, FL 33401. These notes are kept by your veterinarian and are not typically sent home with you. Lemonade ranks No. Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. Petplan will return to you the unearned portion of any premium paid. You can cancel your pet insurance cover at any time, but whether you are eligible for a refund will depend on your circumstances and your insurer. Advice Blog Learn more about how to take care of your pet, from feeding to training, at every life stage. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spots Preventive Care plans, which you can add on to your base level plans for a little extra cost. " in 3 reviews " Fast claim payment, great price and peace of mind!!! When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. To start the transfer of ownership policy change, please reach out to Customer Service. RELEASE OF LIABILITY. Surplus lines insurance sold only through licensed surplus lines producers. You can file a claim online or on the Spot insurance app by clicking the claims icon and uploading a. Their communication and attentiveness have been outstanding and we are very fortunate to be Spot Covered! SPOT makes no representation or warranty regarding the Third-Party Services. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. NOTICE TO TENNESSEE APPLICANTS:It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Accident & Illness coverage reimbursements are based on the invoice. 5.1 Assignment. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. Most pet insurance companies offer a multi-pet discount when you enroll multiple pets. Wagmo is a pet insurance plan that works for both dogs and cats, and while it offers a range of customizable features, its best attributes include: Short, 15-day waiting period. Grooming. Any modifications to the Terms will be effective upon posting. Plans provided by Spot do not cover pre-existing conditions. Plans are produced and sold by: Spot Pet Insurance Services, LLC. What Happens to My Pet Insurance if I Move? Claims process: Must submit claims within 270 days of the date of service via app, online, fax, or mail. Annual Maximum: $10,000, $20,000 or unlimited. Instead of canceling your pet insurance policy, consider the following alternatives that help you maintain the coverage your cat or dog needs: Change the level of coverage. Wannabe travel nerd. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). To cancel, click on "Pets Best Pet Health Insurance". Why Pet Insurance? Once the Entry Period is over, the winning Entrant will be notified by a member of the Spot Pet Insurance team who will request a mailing address so the prize will be mailed directly to the address of the winners home within 7 business days. You can read our Privacy Policy to see how we will use your information. SPOT is an insurance producer licensed in your state. 3.1 No Medical Advice Provided. Base level plans provided by Spot do not cover spaying. SPOT makes no representation or warranty regarding the Third-Party Products. Morristown, NJ). The 30-day money-back guarantee is available if no claims have been covered. You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. Spot is a pet insurance provider with a more customized approach to pet insurance, founded by people who love animals and wanted to make it easier for other pet parents to get their pets help. You can cancel by phone by calling 1-800-638-5433 or another number if you were given a particular one when you signed the contract. By The Spot Pack June 1, 2022 Stay in Touch Get pupdates from the pack. Accident & Illness coverage reimbursements are based on the invoice. Is Pet Insurance Worth It? Phone support is available Monday - Friday, 24h CST. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. How long does spot take to process claims? Deductibles: $100, $250 or $500. You dont have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. However, if you have chosen to pay your premiums in monthly installments, you wont be eligible for a refund. Morristown, NJ). Penalties may include imprisonment, fines or a denial of insurance benefits. Deductibles: $100 to $750. You should not consider any content on the Site to be a substitute for professional financial advice. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600. Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines; computer online systems, servers, or providers; computer equipment; software; or failure of e-mail or entry on account of technical problems or traffic congestion on the Internet or at any Web site or combination thereof, including injury or damage to participants or to any persons computer related to or resulting from participating in this Sweepstakes, downloading materials from Sponsors Web site. It offers best-in-class 100% reimbursement for covered expenses with . Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. Intellectual Property; 4. Insurance plans are marketed and produced by Spot Insurance Services, LLC. SPOT will fully cooperate with any law enforcement authorities or court order requesting or directing SPOT to disclose the identity of anyone posting any such information or materials.2.5 Modification or Discontinuance of the Offerings by SPOT. Plans provided by Spot do not cover pre-existing conditions. Not all insurances cover exam fees. SPOT will fully cooperate with any law enforcement authorities or court order requesting or directing SPOT to disclose the identity of anyone posting any such information or materials.2.5 Modification or Discontinuance of the Offerings by SPOT. A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. More information is available at checkout. NOTICE TO KANSAS APPLICANTS:Fraudulent insurance act means an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto. As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. SPOT's Key Attributes. Many owners without pet insurance are faced with the decision to pay for expensive vet treatment and seriously damage their family budget or end their pets life. Your annual deductible amount applies during each policy period. Switch insurance providers. Spot Canada. If the ownership of your pet changes to another individual, we can transfer the policy to the new pet owner without any interruption of coverage. Table of Contents Meow Canadians embrace the love of their pets, choosing to help protect their health for a longer, happier life together with Spot Pet Insurance, which is available now across Canada. You're on the Spot US website. Dont let your pet develop a pre-existing condition before theyre insured. 303 Banyan Blvd, Suite 101. The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by emailing reply@SPOTpetins.com and requesting compensation information.In placing, renewing, consulting on or servicing your insurance coverages SPOT and its affiliates may participate in contingent commission arrangements with the insurance underwriter that provide for additional contingent compensation, if, for example, certain underwriting, profitability, volume or retention goals are achieved. Date of experience: February 08, 2023. Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pets covered conditions. What is insured under this pet insurance plan? For example, Embrace Pet Insurance offers annual maximum choices of $5,000, $8,000, $10,000, $15,000 and $30,000. In all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. You may not assign or otherwise transfer these Terms or any rights or obligations hereunder. Plans provided by Spot dont have an upper age limit for new enrollments or coverage. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. For all terms and conditions visit spotpetins.com/sample-policy. However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. Whenever you have a pet insurance question or need to review your options, please email us or call us at 1-855-898-8991. I recently got my pup, Aleister, covered with Spot Pet Insurance, which has a great partnership program through my work. Can . You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability or otherwise violate any law. Access the member portal through our homepage. SPONSOR. Accident-only health plan. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Insurance . How Do I File Claims with Spot? However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Wagmo. Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2022 through 12/31/2022 and all available limit . 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