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. Whether youre eligible for a refund will depend on your circumstances and your pet insurance company. You're on the Spot US website. 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. Products, schedules, discounts, and rates may vary and are subject to change. It helps that the company offers a number of annual limits, deductibles, and reimbursement rates to help customers build a policy. Barney's pet health insurance Policy. 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. These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. If, on the other hand, you have chosen to make monthly payments, you will need to continue paying premiums for the remaining insurance period. Required fields are marked *. Coverage is subject to the language of the policies as actually issued. 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. Coverage limits are slightly different for horses. You're on the Spot US website. Spots Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. 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. If you are the pet parent, you must be the policyholders. VIEW RATES. We will also need to update the billing portion of the policy to include the new customers preferred payment method prior to processing the policy transfer. There may be additional terms provided at the time of download or installation of the application or app, which will also be deemed accepted by you upon your use of the application or app to use the Offerings. The Platinum Preventive Care plan is available as an add-on to your base level plan for $24.95/month and provides a total annual benefit of $450 in routine care allowance. 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. 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. 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. Pre-existing conditions are not covered. Except where prohibited by law, all issues and questions concerning the constitution, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the participant and the Sponsor in connection with this Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Ohio in the U.S., without giving effect to any choice of law or conflict of law rules (whether of the State of Ohio, or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Ohio in the U.S.10. SPOT makes no representation or warranty regarding the Third-Party Services. 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. 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. NOTICE TO VIRGINIA APPLICANTS:It is a crime to knowingly provide false incomplete or misleading information to an insurance company for the purpose of defrauding the company. Learn more about our independently owned & operated AAHA-accredited vet clinics in select PetSmart stores. ASPCA Pet Insurance: Best for Waiting Periods. % of Medical Expenses. Table of Contents Meow You will need to provide your policy number and the date you would like the cancellation to take effect. PIN confirmation is not supported via voice. For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. Pre-existing conditions are not covered. NOTICE TO LOUISIANA APPLICANTS:Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefits or knowingly 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 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. 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. 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. 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. You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Consumer Rating is a Fetch by The Dodo Partner. NO PURCHASE NECESSARY. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. Claims can be submitted easily through our login page. What Do Spot Pet Insurance Plans Not Cover? No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. This document along with thedeclarationsand any endorsements that are attached are considered to be the entire insurance policy coveringBarney.Wewill use "Policy" going forward to reference all of these documents unlesswemention a specific document thatwewould likeyouto review. 2.1 Insurance Offerings. These notes are kept by your veterinarian and are not typically sent home with you. How do I Determine if My Pet Has a Pre-existing Condition? Phone support is available Monday - Friday, 24h CST. 3.1 No Medical Advice Provided. Base level plans provided by Spot do not cover spaying. Then, on the verification page, click "Done" to complete the Pets Best Pet Health Insurance unsubscription. Is There a Waiting Period for Pet Insurance? Notable features: Accident and illness coverage; wellness add-on available. NOTICE TO DISTRICT OF COLUMBIA APPLICANTS:It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Pricing varies depending on whether you want a $100, $250, $500, or $1,000 deductible. The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. 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. 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. Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. The Spot Pet Insurance Platinum Preventative Care costs $25 per month while the Spot Pet Insurance Gold Preventative Care costs $10 each month. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. To cancel, click on "Pets Best Pet Health Insurance". Its not available in NY. Vaccines & checkups. Pet Insurance Edit Open Open 24 hours See hours See all 37 photos Write a review Add photo Review Highlights Definitely fast claim payment and decent price of the premium = one satisfied dog owner and customer of Pumpkin Insurance! West Palm Beach, FL 33401. How long does spot take to process claims? They offer deductibles of $100, $200, and $500, and their reimbursement rate is 90%, making them come out on top over Spot in this department. Such goals are typically based on the total amount of certain insurance coverages placed with the insurance underwriter or the overall performance of the policies placed with that insurance underwriter, not on an individual policy basis. SPOT's Key Attributes. Do You Have a List of Veterinarians I Have to Use? Each winner, by acceptance of the prize, agrees on behalf of him/herself, his/her heirs, executors, representatives, assigns, administrators and next of kin to indemnify, hold harmless and release the Sponsor, its parent, subsidiary and affiliated businesses and each of their officers, directors, shareholders, employees, advisors, assignees, agents, representatives and any other person or entity associated with this Sweepstakes from any and all liability claims or actions of any kind with respect to or in any way arising from this Sweepstakes, participation in any Sweepstakes-related activity; and/or delivery/misdelivery, acceptance, possession, use, or misuse of a prize, including, but not limited to, liability for personal injury, bodily injury (including wrongful death or disability), damage to property, and damage or loss of any other kind. Reply from Spot Pet Insurance. You may not assign or otherwise transfer these Terms or any rights or obligations hereunder. Spot Pet Insurance Logo, Copyright 2023. Lifelong gamer. To start the transfer of ownership policy change, please reach out to Customer Service. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. 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. Banfield Pet Hospital. SPOT makes no representation or warranty regarding the Third-Party Products. Spot received a score of 91 out of 100 for its customizable and flexible plans, ensuring that pet owners only pay for what their pet needs. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. 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. 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). However, if you decide to cancel your coverage, you may not be able to re-insure your pet at a later date. If youre considering canceling your policy, you should be aware that there are certain risks to take into consideration. Tv fanatic. When you buy pet insurance, there's a 14-day cooling off period. With pet insurance, you will be getting the best value for your four-legged friend while keeping them healthy and happy. 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. 1 (866) 651-7768. 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. You can call 800-905-1595 or email service@customer.spotpetins.com. 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. Switch insurance providers. 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. Pumpkin has a single insurance plan that applies for both dogs and cats. By using an application or app to enable your use of the Offerings, you are explicitly confirming your acceptance to these Terms, including the Privacy Policy and acknowledging the applicability of those agreements to your use of the Offerings through the application. Furthermore, SPOT without compensation to you, is free to use, not use, edit, adapt, modify, or discontinue the use of any ideas, concepts, know-how, or techniques contained in any communication or material you transmit to SPOT, or post to the Site, for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products. Accident & Illness coverage reimbursements are based on the invoice. 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. 303 Banyan Blvd, Suite 101. Get helpful tips in our blog for dogs, puppies, cats, and kittens. Compare Pet Insurance Companies 70%, 80% or 90%. " in 2 reviews Trupanion dog insurance costs $70.12 per month for a $500. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click here. Plans provided by Spot do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees. Base level plans provided by Spot do not cover routine teeth cleanings. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). Wagmo. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Spot Canada. 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. Key Features. 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. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. SPOT is an insurance producer licensed in your state. ManyPets offers some of the cheapest pet insurance around, costing $35.89 . 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. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. For a full list of terms and conditions, click here to view a sample policy. You must contact Spot directly to cancel your plan. NerdWallet's ratings are determined by our editorial team. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage. Find more information on preventative care coverage here. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. 1. Yes, you can add preventive care coverage to your policy for a little more cost. Please have your PIN ready when calling. Each of the wellness plans costs extra, obviously. Depending on the exact type of information they need, there . Visit our pet insurance FAQ page now . Liberty Mutual's customized Pet Insurance delivers affordable coverage so you can choose the best care possible for your pet. Your email address will not be published. 1 in 3 One in three pets needs unexpected veterinary care every year.1 Our policies are affordable with an average cost of $1.66 per day. A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. 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. You can cancel pet insurance at any time. Illness, disease, injury, or change to your pets health that first occurs or shows symptoms before coverage is effective or during a waiting period. Can I Add Pets to My Account After I Already Enrolled? Dont forget to take a picture of your invoice and upload it to complete the claim submission. 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. 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. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Whenever you have a pet insurance question or need to review your options, please email us or call us at 1-855-898-8991. Compensation will be paid to the producer, based on the insurance contract the producer sells. If you cancel your policy in the first 14 to 30 days after taking out coverage, and if you haven't made any claims, you'll often be entitled to a full refund. There are nearly 4 million cats and dogs insured in . Penalties may include imprisonment, fines, denial of insurance and civil damages. More information is available at checkout. Coverage and cost: Spot is an excellent choice for shoppers to customize their pet insurance policy. By entering this Sweepstakes, each Entrant agrees to be bound by these Official Rules and by the decisions of the Sponsor and its judges and agents, which are final and binding in all matters relating to the Sweepstakes. Up to $1,100 cash back for everyday pet care expenses. "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. Clicking the Free Quote button will be deemed to signify your consent to and acceptance of the terms and conditions including the compensation, as disclosed above, that is to be received by the underwriter. Spot Pet Insurance offers three health plans for dogs and cats: accident-only, accident and illness, and preventive care plans. Their pet insurance policies are underwritten by United States Fire Insurance Company. This can cause stress related to your family finances or compromise the quality of veterinary care your canine or feline companion receives. 1). Find the right vet at your local PetSmart store. However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. However, Spot accident & illness plans cover treatments for dental illnesses. Be construed as providing, any legal advice of any kind n't simply stop paying the premiums... 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