The effect on your family budget and pet care. SPOT's Key Attributes. There's also the possibility of you conveniently canceling through email at pet_info@metlife.com, so long as the policy you have makes that an option. If you do not agree to be legally bound by these Terms, you are not permitted to purchase and/or use the Offerings.SPOT may offer the Offerings through applications or apps. Plans provided by Spot do not cover pre-existing conditions. The role of the producer in any particular transaction involves one or more of these activities. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. Spot performed better in coverage and eligibility, while ManyPets performed better when it came to costs. This website ("Site") and SPOT Pet Insurance Services, LLC's products, applications and services (collectively, the "Offerings") are owned by SPOT Pet Insurance Services, LLC, a Delaware limited liability company ("SPOT") and are provided subject to the terms set forth herein. 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. How do I Determine if My Pet Has a Pre-existing Condition? Is Pet Insurance Worth It? The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. Advice Blog Learn more about how to take care of your pet, from feeding to training, at every life stage. You can buy a cover for your pet in any of the 50 states and Washington, D.C. We discuss the plans below. Instead of canceling your policy, consider changing the level of coverage of switching insurers. You will need to provide your policy number and the date you would like the cancellation to take effect. . Note: your premium may change based on your new zip code. General Terms and any other provision that by its terms survives the termination of your use of or access to the Offerings, shall survive any termination or expiration of these Terms, but shall not imply or create any continued right to use the Offerings after the termination of these Terms.5.6 Legal Fees. In general, your premium is based on your pets age, your pets breed, and where your pet lives. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. 251.5462. Accident & Illness coverage reimbursements are based on the invoice. BECAUSE SECURITY IS IMPORTANT TO BOTH SPOT AND YOU, WE WILL ALWAYS MAKE REASONABLE EFFORTS TO ENSURE THE SECURITY OF OUR SYSTEMS BUT SPOT MAKES NO REPRESENTATIONS OR WARRANTIES THAT THE OFFERINGS WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS.4.2 Limitation of Liability. SPONSOR. Winner will be chosen randomly.Submitting an entry constitutes agreeing to the terms of these Official Rules and all decisions of Sponsor and/or its designee, which are final and binding in all respects. All requests to appeal your claim must be made in writing to us. NerdWallet's ratings are determined by our editorial team. Subject to all federal, state, and local laws. Your payments are processed automatically using the payment method and frequency we have on file. When. 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. However, with plans provided by Spot, this doesnt mean the condition cant be covered in the future if the condition is curable. 2.1 Insurance Offerings. By submitting an entry to Sponsor, all Entrants acknowledge and agree that the information that they have provided will be maintained on Spot Pet Insurances server in accordance with their Privacy Policy, COMMUNICATION. How Can I Find Out the Status of a Claim? At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible. If, for any reason, the Sweepstakes is not capable of running as planned, due to, without limitation, infection by computer virus, worm, or bugs; tampering; unauthorized intervention; fraud; technical failures; or any other causes beyond the control of Sponsor that, in the sole opinion of Sponsor, could corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Sweepstakes, Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, or suspend the sweepstakes. HOW DO I WIN? NOTE: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER PERSON TO DAMAGE ANY WEB SITE ASSOCIATED WITH THE SPONSOR OR ITS AGENTS OR UNDERMINING THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAW, AND SPONSOR AND ITS AGENTS RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Reply from Spot Pet Insurance. Pet insurance companies such as Embrace cover curable pre-existing conditions as long as any recurrence is at least 12 months from the date of the last problem. SPOT is an insurance producer licensed in your state. Nationwide Pet Insurance: Best for Exotic Pets . Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. The good news is you can cancel your pet insurance at any time. In general, you can receive a: Full refund. Phone support is available Monday - Friday, 24h CST. Surplus lines insurance sold only through licensed surplus lines producers. You can also get a pet insurance quote through your veterinarian or by shopping around online. 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. What should I consider when canceling my pet insurance policy? 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. Your veterinarian may also need to submit other medical records. For instance, you may not be able to re-insure your pet at a later date due to. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. Our Vet Care Providers. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects.In addition, SPOT may charge a fee for administrative services. Access the member portal through our homepage. Our helpful team is just one phone paw away or you can visit the contact page. Date of experience: February 08, 2023. NOTICE TO MARYLAND APPLICANTS:Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. NOTICE TO NEW JERSEY APPLICANTS:Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. If you notify Petplan within the first thirty (30) days from the start date, and you have not submitted any claim against this policy, Petplan will refund the entire premium. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. Well email you when we receive your claim, if we need more information, and when its complete. To cancel your pet insurance, you will need to contact your insurance company and request to cancel your policy. You will also need to update your billing address there as well. Are there any Types of Incident or Lifetime Caps? Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. NOTICE TO MAINE APPLICANTS:It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. % of Medical Expenses. How do I Determine if My Pet Has a Pre-existing Condition? Spot Pet Insurance offers a 30-day money-back guarantee. . Information Entrants provide to Sponsor will be used to communicate with Entrants regarding this Sweepstakes and otherwise as set forth in these Official Rules, as well as to contact Entrants at a later date with respect to other products and services and product enhancements which the Sponsor believes may be of interest to them. Required fields are marked *. Like the giveaway post on @getspotcovered and @sundaysfordogs Instagram from January 5, 2023, Follow @getspotcovered and @sundaysfordogs on Instagram, Get extra entries by tagging friends in the comments (1 tag = 1 entry, unlimited entries). The role of the producer in any particular transaction involves one or more of these activities. Cancellation requests can be submitted in the form of fax, regular mail, email, or done verbally. 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. These Terms or the Privacy Policy set forth the entire understanding between you and SPOT with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and SPOT with respect to such subject matter.5.3 No Waiver. How it works Track your claims at home and on the go with our convenient online portal. If your pet gets injured or sick, pet insurance helps cover medical expenses. Visit our pet insurance FAQ page now . How to Save Money on Spot Pet Insurance There are two ways you can cut the cost of pet insurance with Spot, including: 10% discount for insuring more than one pet 10% group employee. In this article, were covering everything you need to know in case you decide to cancel your pet insurance policy, including how to submit requests, what costs you might pay, and other key considerations. All pet insurance policies come with . Most pet insurance companies have a 30-day money-back guarantee period, also known as a 30-day free look period or cooling-off period. You can also check on the status of your claims anytime by clicking on the claims icon. Insurance plans are marketed and produced by Spot Insurance Services, LLC. Spots Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. What you should know. NOTICE TO FLORIDA APPLICANTS:Any person who knowingly and with intent to injure, defraud, or deceive any insurer files a statement of claim or an application containing any false, incomplete, or misleading information is guilty of a felony of the third degree. Ready? Spot plans cover exams for covered conditions. Although SPOT may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, SPOT is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. To start the transfer of ownership policy change, please reach out to Customer Service. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. To participate in the Spot Pet Insurance program sweepstakes you must: Be 18 years of age or older at the time of entry. Please enter your pin on your phone dial-pad. For additional information, please call to speak with a licensed insurance agent at 1.800.905.1595. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. However, you cant simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. 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. Questions? No aspect of the Offerings is intended to provide, or should be construed as providing, any investment, tax or other financial related advice of any kind. Is There a Waiting Period for Pet Insurance? SPOT IS NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD-PARTY OFFERINGS, NOR DOES IT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD-PARTY OFFERINGS, AND SPOT SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.2.3 Third-Party Products. Spot Pet Insurance Logo, Copyright 2023. If you do not agree to be legally bound by these Terms, you are not permitted to purchase and/or use the Offerings.SPOT may offer the Offerings through applications or apps. However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Yes, you can add preventive care coverage to your policy for a little more cost. You can also call the Petplan Customer Service Centre on 0345 071 8000 or send a written confirmation to: Petplan, Great West House (GW2), Great West Road, Brentford, Middlesex TW8 9DX. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. ELIGIBILITY. Can . Accident-only health plan. SPOT shall in no way be held liable for any consequence which results from SPOTs decision to modify or discontinue providing some or all of the Offerings. 2 Upload receipt (s) After your visit, upload your receipt to submit your claim on our easy-to-use online portal. Get my price Unlimited coverage Hassle-free claims Award-winning pet insurance that pet parents love Get Covered Today Why ManyPets pet insurance? Responsibility for receipt of entry rests solely with the entrant. 2 in our Best Pet Insurance Companies of 2023 rating based on several factors, including price, number of policy add-ons, and available discounts. However, if you have chosen to pay your premiums in monthly installments, you wont be eligible for a refund. After seeing success in the US, Spot Pet Insurance has announced its entry into the Canadian market. Any modifications to the Terms will be effective upon posting. Tv fanatic. Submit your claim on the Spot Pet Insurance website by. " in 3 reviews " Fast claim payment, great price and peace of mind!!! Sponsor is not responsible for any typographical or other error in the printing of these Official Rules or any materials associated with the administration of the Sweepstakes or the announcement of the prize. Theres no Open Enrollment period, you can buy and drop pet insurance at any time. What was once an obscure insurance product has been gaining steam. Penalties may include imprisonment, fines, or denial of insurance benefits. Yes, plans provided by Spot have a 14 day waiting period for coverage. Spot has no one-time fees and a $2 transaction fee for every payment (waived if you pay annually). They do not purport to, and shall not be deemed to, define, limit or extend the scope or intent of the clauses to which they pertain.5.5 Survival of Certain Provisions. Compare Pet Insurance Companies 4. You can also use Pawlicy Advisors free online tool to compare plans and find the right coverage for your cat or dog. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. NOTICE TO OKLAHOMA APPLICANTS:WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony. NOTICE TO ILLINOIS APPLICANTS:A person who knowingly makes any false or fraudulent statement or presentation in or with reference to any application, or for the purpose of obtaining any fee, commission, money, or benefit from or in any company transacting business under this article, commits a Class A misdemeanor. How do I cancel Petplan online? Picture of pet, entrants full name, email, and address must be sent to Spot Pet Insurance 990 Biscayne Blvd. Note: Appeals may take around 30 days to be reviewed. Spot 24/7 VetAccess Tele-health. NOTICE TO NEW MEXICO APPLICANTS:Any person who knowingly presents a false or fraudulent claim for payment for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties. IN ADDITION, YOU ACKNOWLEDGE AND AGREE THAT IT IS YOUR RESPONSIBILITY TO HAVE INTERNET CONNECTION TO ACCESS THE OFFERINGS VIA THE INTERNET AND THAT SPOT WILL NOT BE LIABLE IF YOU ARE UNABLE TO ACCESS THE OFFERINGS DUE TO ANY POWER OR INTERNET DATA CONNECTION FAILURE. There is no upper age limit for coverage or enrollments. 4.1 Warranty. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Here's how it works if your pet gets hurt or sick: Take your pet to the licensed vet of your choice. If you are the pet parent, you must be the policyholders. For questions, please email us at. If, on the other hand, you have chosen to make monthly payments, you will need to continue paying premiums for the remaining insurance period. WHAT CAN I WIN?Prize includes $200 Visa gift card, bandana, leash, 2 large boxes of Sundays For Dogs foodThe winning entrants will be notified through the channel they entered. 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. Do Spot Plans Offer Pet Insurance Discounts ? Pre-existing conditions are not covered. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click here. When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. Is it worth shopping around for pet insurance? Although SPOT may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, SPOT is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger or inaccuracy contained in any information within such locations on the Site. Coverage limits are slightly different for horses. Lemonade ranks No. If you are moving to a new state, please contact the Customer Service team at 1.800.905.1595. There is a 14-day waiting period for coverage. Consumer Rating is a Fetch by The Dodo Partner. For $9.95 . As a result, SPOT may be considered to have an incentive to place your insurance coverages with a particular insurance company. Table of Contents Meow If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). IN NO EVENT SHALL SPOT, OR THE DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS OR REPRESENTATIVES OF SPOT (THE SPOT PARTIES) BE LIABLE TO YOU OR ANY THIRD PARTY FOR DAMAGES OF ANY KIND ARISING OUT OF THE USE OF, ACCESS TO, RELIANCE ON, INABILITY TO USE OR IMPROPER USE OF THE OFFERINGS OR ANY INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES AVAILABLE THEREON (INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, GOODWILL OR REVENUE, BUSINESS INTERRUPTION, OR LOSS OF DATA), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE. Not all insurances cover exam fees. 90%. Simply head to our online cancellation form and fill in your details. You agree that any action (not governed by Section 4.3) arising out of the Terms or your purchase and/or use of the Offerings shall be brought in state or federal court in Palm Beach County, Florida, and you consent to the jurisdiction of such courts.5.8 Contact. If you have any questions relating to these Terms, the Site, the Offerings or SPOT, please contact: reply@SPOTpetins.com. Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. PLEASE BE AWARE THAT INTERNET DATA TRANSMISSION IS NOT ALWAYS SECURE AND WE CANNOT WARRANT THAT INFORMATION YOU TRANSMIT UTILIZING THE OFFERINGS IS SECURE. Sponsor is not responsible for cheating or fraud by any participant. Pets covered: Dogs, cats. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). What Do Spot Pet Insurance Plans Not Cover? The process will mostly depend on when you cancel, but it is fairly straightforward. 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. 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. Unless resolved by mutual efforts of the parties hereto, disputes or claims that may arise out of or in connection with this Agreement and for which either party shall seek equitable relief, all differences, disputes or claims arising in connection with this Agreement or any transaction or occurrence contemplated hereby shall be finally settled under the Commercial Rules of the American Arbitration Association in Palm Beach County, Florida, by one or more arbitrators appointed in accordance with such Rules (and the arbitrator shall be obligated to provide a reasoned opinion). 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