Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future. Licensed Insurance Producer - Pawlicy Advisor. To confirm that you want to stop paying for Pets Best Pet Health Insurance, click the "Cancel Automatic Payments" tab. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. 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. You can view our sample policy here: https://Spotpetins.com/sample-policy/. Base level plans provided by Spot do not cover routine teeth cleanings. 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. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Your pets correct age may be validated when reviewing your pets medical records. All Rights Reserved 2023 All Insurance FAQ. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Claims can be submitted easily through our login page. Why Pet Insurance? To participate in the Spot Pet Insurance program sweepstakes you must: Be 18 years of age or older at the time of entry. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). More information is available at checkout. 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. Any modifications to the Terms will be effective upon posting. 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. 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. Insurance plans are marketed and produced by Spot Insurance Services, LLC. 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. Best pet insurance according to Consumer Rating January 2023. 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. NO PURCHASE NECESSARY. If you have any questions relating to these Terms, the Site, the Offerings or SPOT, please contact: reply@SPOTpetins.com. Pumpkin's insurance policies for dogs cover unexpected injuries or illnesses. Yes, plans provided by Spot have a 14 day waiting period for coverage. That can be a little disappointing for pet parents who want to lower their reimbursement rate in exchange for lower monthly fees or deductibles. 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. Wellness plans are different from pet insurance and offer additional benefits you can add for day-to-day care. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Once your appeal has been received, you will receive an email confirmation. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. 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. Compensation will be paid to the producer, based on the insurance contract the producer sells. Spot Pet Insurance Logo, Copyright 2023. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. Pet Insurance plans provided by Spot do not cover pre-existing conditions. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. 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 offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. (NPN # 19246385) 2023 United States Fire Insurance Company. 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. SPOT may provide third-party products, devices, or other equipment to assist in the provision of the Offerings or Third-Party Services (Third Party Products) that are not owned or controlled by SPOT. The waiting period begins on the first effective date of the applicable coverage. How do I cancel Spot pet insurance? By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! CONDUCT. SPOT makes no representation or warranty regarding the Third-Party Services. West Palm Beach, FL 33401. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. At any time and for any or no reason, SPOT may modify or discontinue some or all of the Offerings. All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. No waiver of any term in these Terms shall be deemed a further or continuing waiver of such term or any other term, and SPOTs failure to assert any right or provision under these terms shall not constitute a waiver of such right or provision.5.4 Section Headings. 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. SPOTs trademarks may not be used in connection with any product or service that is not SPOTs, in any manner that is likely to cause confusion among consumers, or to disparage or discredit SPOT. Base level plans provided by Spot do not cover spaying. If we do need medical records, well contact your veterinarian directly, but it may speed up the process if you send them in with your claim. 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. Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. Should I Include My Pets Medical Records with a Claim? 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. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. In addition, an insurer may deny insurance benefits if false information material related to a claim was provided by the applicant. Twitter specialist. What can I do instead of canceling my policy? However, if you are thinking about canceling your policy to find a better option, you can check out our Pet Insurance Advice Blog for detailed information on the top US pet insurance providers. 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. 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 AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND SPOT ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION. Deductibles: $100 to $750. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pets covered conditions. Pet Wellness. 1. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. 3. For a comprehensive list of policy exclusions and limitations, click here to view a sample 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. Get helpful tips in our blog for dogs, puppies, cats, and kittens. This website (Site) and SPOT Pet Insurance Services, LLCs 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. Date of experience: February 08, 2023. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. Pets covered: Dogs, cats. You will also need to update your billing address there as well. 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. Claims process: Must submit claims within 270 days of the date of service via app, online, fax, or mail. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. However, you can't simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. All requests to appeal your claim must be made in writing to us. All other trademarks not owned by SPOT that appear on the Site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by SPOT. Your premium will not increase due to filing a claim. Spot Pet Insurance 303 Banyan Blvd, Suite 101 West Palm Beach, FL 33401 sponsors this Sweepstakes. Via PetInsurer.com's Secure Website Maximum annual coverage $5,000, $8,000, $10,000, $15,000 or $30,000 Reimbursement choices 70%, 80%, 90% Deductible choices $200, $300, $500, $750, $1,000 2. .css-1ew3ln7{-webkit-text-decoration:none;text-decoration:none;color:#3f6587;color:#212529;}.css-1ew3ln7:hover{color:#3f6587;-webkit-text-decoration:underline;text-decoration:underline;}How Pet Insurance Works. The laws of the State of Florida will govern these Terms, without giving effect to any principles of conflicts of laws. Note: your premium may change based on your new zip code. Spot performed better in coverage and eligibility, while ManyPets performed better when it came to costs. 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. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. The number of days to appeal a claim varies by the state in which your policy was issued. An important note: ManyPets is still expanding within the U.S. and pet owners in Alaska, Florida, Hawaii, Idaho . Their pet insurance policies are underwritten by United States Fire Insurance Company. 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. Trupanion dog insurance costs $70.12 per month for a $500. 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. 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