Is Pet Insurance Worth It? How do I cancel Petplan online? 2x Yes, you can cancel your pet insurance policy at any time. However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. SPOT, at its sole discretion, and without compensation to you, may use, not use, edit, adapt, modify or discontinue the use of any communication or material you transmit to SPOT, or you post to the Site, for any purpose whatsoever including, but not limited to, disclosure, transmission, reproduction, distribution, publishing, broadcasting, or posting in any medium. Switch insurance providers. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. You will need to provide your policy number and the date you would like the cancellation to take effect. Keep in mind that these are sample numbers for one pet insurance company in one ZIP code. 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. Penalties may include imprisonment, fines or a denial of insurance benefits. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. Your pets correct age may be validated when reviewing your pets medical records. Submit your claim on the Spot Pet Insurance website by. You must satisfy your annual deductible before your reimbursements start. Click the Add-A-Pet link on the home page of the Member Portal to fill in your pets information and select coverage. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. You may not use, copy, modify or display any of the trademarks, service marks, names or logos appearing on the Site without the express written permission of the trademark owner.Nothing in these Terms shall be deemed to grant to you or any other user any license or right in or to any copyright, trademark, trade secret or other proprietary right of SPOT or its licensors.1.2 Your Information. 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. 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. HOW DO I WIN? SPOT makes no representation or warranty regarding the Third-Party Products. 90%. Can . However, if you have chosen to pay your premiums in monthly installments, you wont be eligible for a refund. 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. Nothing in this Section shall prevent either party from seeking injunctive or other equitable relief from the courts for matters related to intellectual property related to the Offerings. Barney's pet health insurance Policy. The waiting period begins on the first effective date of the applicable coverage. Plans provided by Spot dont have an upper age limit for new enrollments or coverage. It offers three annual coverage options of $250, $450 or $650 for costs between $18 and $52 per month. If, on the other hand, you have chosen to make monthly payments, you will need to continue paying premiums for the remaining insurance period. Each of the wellness plans costs extra, obviously. 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. You should not consider any content on the Site to be a substitute for professional financial advice. CONDUCT. ENTRY PERIOD. Hi Dawn, please give us a call at 1-800-905-1595 or email us at service@customer.spotpetins.com (8AM-8PM EST Mon-Fri) and we can help you out with cancelling. The Spot Pet Insurance Platinum Preventative Care costs $25 per month while the Spot Pet Insurance Gold Preventative Care costs $10 each month. The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. Spot plans cover exams for covered conditions. Your email address will not be published. Find more information on preventative care coverage here. Consumer Rating is a Fetch by The Dodo Partner. % of Medical Expenses. Sponsor is not responsible for incorrect, inaccurate or incomplete entry of information or for entries which are garbled, damaged, incompletely received, otherwise defective or lost due to any reason, all of which will be voided. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. 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. What Do Spot Pet Insurance Plans Not Cover? "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Additionally, your premium will be affected by your pets age each year, as the risk for more costly claims grows higher. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. SPOTs failure to act on any breach of any provision hereof shall not be construed as a waiver of the enforcement of any provision unless SPOT agrees to such waiver in writing.5.2 Entire Agreement/Severability/Conflict. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. Required fields are marked *. An important note: ManyPets is still expanding within the U.S. and pet owners in Alaska, Florida, Hawaii, Idaho . If you pay by monthly direct debit, or you have paid annually on your credit card and agreed to Continuous Payment Authority (CPA), your policy will renew automatically unless you tell us otherwise. Spot Canada. 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. 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. NOTICE TO PENNSYLVANIA APPLICANTS:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties. Your premium will not increase due to filing a claim. The Offerings may contain links to third-party websites, applications, advertisers, services, special offers or other events or activities (collectively Third-Party Services) that are not owned or controlled by SPOT. 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. 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. Coverage and rates are subject to change at renewal. 70%, 80% or 90%. For a full list of terms and conditions, click here to view a sample policy. Table of Contents Meow Even if you focus on insured pets, the risk is rarely . For all terms and conditions visit spotpetins.com/sample-policy. RELEASE OF LIABILITY. SPOT IS NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD-PARTY PRODUCTS, NOR DOES IT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING ANY THIRD-PARTY PRODUCT AND SPOT SHALL HAVE NO LIABILITY OF ANY NATURE WHATSOEVER IN RELATION TO ANY OF THE FOREGOING.2.4 Content on the Site. Spot earned 4.5 stars out of 5 for overall performance. Plans provided by Spot do not cover pre-existing conditions. Trupanion dog insurance costs $70.12 per month for a $500. 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. Penalties may include imprisonment, fines, denial of insurance and civil damages. 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. You should not disregard legal 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. Surplus lines insurance sold only through licensed surplus lines producers. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. Underwriter: United States Fire Insurance Company AM Best Rating: A BBB Rating: B Exam period: SPOT doesn't obligate you to take a thorough physical exam for your pet in order to grant you the right to become eligible for enrolling on one of their pet insurance plans; Increase in monthly premium: Just like every other pet insurance company, SPOT's premiums increase . NOTICE TO NEW YORK APPLICANTS:Any person who knowingly and with intent to defraud an insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. This means that any illnesses or injuries related to that condition will not be covered. However, Spot accident & illness plans cover treatments for dental illnesses. 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. When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones wont be covered. A condition is considered pre-existing whether or not its been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed. Visit ourdog insuranceandcat insurancepages for more information about plans. In this case, at least 60 days before your coverage ends, we will mail written notice to you at your address as shown on the declarations page. . Do Plans Provided by Spot Have a Money-back Guarantee? PLEASE BE AWARE THAT INTERNET DATA TRANSMISSION IS NOT ALWAYS SECURE AND WE CANNOT WARRANT THAT INFORMATION YOU TRANSMIT UTILIZING THE OFFERINGS IS SECURE. 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. Spot 24/7 VetAccess Tele-health. Deductibles: $100, $250 or $500. Depending on the exact type of information they need, there . If you cancel within this period, you'll get a full refund for the premiums you've paid, provided you haven't filed a claim. Have a pet insurance with Spot? Based on a comparison of top pet insurance companies on ConsumerRating.org. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Reimbursement Options: 90%. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. Embrace Pet insurance, for instance, allows customers to cancel by phone or email, while cancelation requests to Healthy Paws Pet Insurance can be submitted in the form of fax, email, regular mail, or done verbally. How Can I Find Out the Status of a Claim? 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. Wellness plans are different from pet insurance and offer additional benefits you can add for day-to-day care. Well email you when we receive your claim, if we need more information, and when its complete. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. (NPN # 19246385) 2023 United States Fire Insurance Company. NOTICE TO OHIO APPLICANTS:Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. Morristown, NJ). 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. For questions, please email us at. How Much Does Spot Pet Insurance Cost? You can buy a cover for your pet in any of the 50 states and Washington, D.C. We discuss the plans below. Is There a Waiting Period for Pet Insurance? PUBLICITY CONSENT. There is no waiting period for preventive care coverage if you choose to add it to your plan. If you're not satisfied with the coverage during the first 30 days, you can get a full refund. Any modifications to the Terms will be effective upon posting. Yes, Spot plans offer a multi-pet discount: 10% off each additional pet that is added. 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. 2. 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. 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.