ALL CLAIMS MUST BE BROUGHT IN THE PARTIES INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, AND, UNLESS WE AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSONS CLAIMS. 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. 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. Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. You do not have to be present to win.Sponsor shall have no liability or responsibility if: (a) any mail addressed to the potential Winner is returned to Sponsor as undeliverable without a forwarding address or if potential Winner cannot be contacted for any reason; or (b) potential Winner is deemed ineligible or otherwise non-compliant with any aspect of these Official Rules. Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums. 2. Illness, disease, injury, or change to your pets health that first occurs or shows symptoms before coverage is effective or during a waiting period. Get email updates to help your pets lead happier, healthier lives. Please have your PIN ready when calling. How do I Determine if My Pet Has a Pre-existing Condition? The laws of the State of Florida will govern these Terms, without giving effect to any principles of conflicts of laws. 4. You can cancel your pet insurance at any time, yet there may be fees involved. In all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. There is no upper age limit for coverage or enrollments. Taking your pet to the vet when it comes down with a fever or breaks a bone is never cheap. It is understood that the decision in such arbitration shall be binding on both parties and that a judgement upon any award rendered may be entered in any court having jurisdiction. Any activities intended to disrupt or interfere with the Sweepstakes or defraud Sponsor in any way will be prosecuted to the fullest extent of the law. 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. Pawlicy Advisor is the leading independent marketplace for finding the best coverage for your pet at the lowest rate. ENTRY PERIOD. 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. Our helpful team is just one phone paw away or you can visit the contact page. 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 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. Sponsor reserves the right to cancel the Sweepstakes at any time. Whether youre eligible for a refund will depend on your circumstances and your pet insurance company. Compare Pet Insurance Companies Spot Pet Insurance Logo, Copyright 2023. Spot is a pet insurance provider based in West Palm Beach, Florida. Wagmo. However, you cant simply stop paying the monthly premiums; you will need to contact your pet insurance provider first. Notable features: Accident and illness coverage; wellness add-on available. More information is available at checkout. 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. Find more information on preventative care coverage here. How long does spot take to process claims? Even if you focus on insured pets, the risk is rarely . 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. 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. SPOT makes no representation or warranty regarding the Third-Party Products. 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. All Rights Reserved 2023 All Insurance FAQ. 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. 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. 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. 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 . Once you have a pet insurance policy, your dog or cat will be covered for life. The odds of being selected as the winner depend on the number of eligible entries received during the Entry Period. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. Spot Pet Insurance offers a 30-day money-back guarantee. Its not available in NY. West Palm Beach, FL 33401. If you haven't submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy. Has a 30-day money-back guarantee Covers vet visits and exam fees Plans with the unlimited coverage option are significantly more expensive than plans without this option Has a long 14-day waiting period for accidents Doesn't have weekend customer service availability Rating: Most Customizable Plans 4.4/5 Compare Plans Access the member portal through our homepage. Penalties include imprisonment, fines and denial of insurance benefits. Your continued purchase and/or use of the Offerings following posting of any revised Terms will constitute acceptance of the modified Terms. Spot Canada. SPOT shall have and retain all right, title, and interest in and to the Offerings, any additions, modifications or enhancements to it and all intellectual property rights associated with any of the foregoing, including, without limitation, rights to patents, copyrights, trademarks, trade secrets, or know-how (Intellectual Property). Petplan will return to you the unearned portion of any premium paid. Compensation will be paid to the producer, based on the insurance contract the producer sells. These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions. Plans provided by Spot do not cover funeral expenses, memorial items, urns, caskets, burial plots or burial plot maintenance fees. Visit our pet insurance FAQ page now . SPOT is an insurance producer licensed in your state. Some insurers like Trupanion and Figo require you to cancel with a written notice, MetLife Pet Insurance requires cancelations to be made by phone, whereas others give you multiple options. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. Your renewal declarations page will specify the coverage and rates that apply. 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. Depending on the exact type of information they need, there . 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. 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. Grooming. 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. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. 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. Unit 603, Miami, FL 33131 by January 9, 2023 to be counted. 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. Conditions occurring within policy waiting period(s). Does Spot Offer a Plan for Preventive Care Coverage? These Terms, together with the Privacy Policy, or any amendments you may enter into with SPOT in connection with the Offerings, shall constitute the entire agreement between you and SPOT concerning the Offerings. Your pets correct age may be validated when reviewing your pets medical records. Visit ourdog insuranceandcat insurancepages for more information about plans. (NPN # 19246385) 2023 United States Fire Insurance Company. The Customer Service team will need to assist in updating your policy for your new state. What is insured under this pet insurance plan? 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. Additional pets added receive 10% off their premium with Spot plans multi-pet discount. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600. The good news is you can cancel your pet insurance at any time. 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). Yes, plans provided by Spot have a 14 day waiting period for coverage. RELEASE OF LIABILITY. To cancel your pet policy, contact Petplan at 1.844. You can read our Privacy Policy to see how we will use your information. 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. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. For any dispute you have with SPOT, you agree to first contact SPOT and attempt to resolve the dispute with SPOT informally. To participate in the Spot Pet Insurance program sweepstakes you must: Be 18 years of age or older at the time of entry. 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. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. Spot Canada. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. Dont let your pet develop a pre-existing condition before theyre insured. Plans provided by Spot do not cover pre-existing conditions. Picture of pet, entrants full name, email, and address must be sent to Spot Pet Insurance 990 Biscayne Blvd. 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. Why Pet Insurance? Can I Cancel an Insurance Claim? However, Spot accident & illness plans cover treatments for dental illnesses. 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. Trupanion dog insurance costs $70.12 per month for a $500. 2. How do I cancel Petplan online? NOTICE TO KENTUCKY APPLICANTS:Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance 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. Are there any Types of Incident or Lifetime Caps? You should not consider any content on the Site to be a substitute for professional financial advice. 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. 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. You can get pet health insurance through various insurers, such as 24PetWatch, Petsmart, Banfield Pet Hospital, Petco, Pets Best, AKC, Costco, Sam's Club, B.J.'s Wholesale Club, and more. It offers best-in-class 100% reimbursement for covered expenses with . You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. If you need to update your billing information, you can make changes by clicking on the Billing icon. If you are filing a claim, you will need to submit the itemized invoice. 2023 Pawlicy Advisor Inc, All Rights Reserved. Deductibles: $100, $250 or $500. 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. The waiting period begins on the first effective date of the applicable coverage. We advise all paw-rents to insure their pet at a young age. Let us dig up an answer. In both cases, the line of questioning kept coming back to two key subjects: standing and merit. 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. Will I lose money if I cancel my pet insurance policy? No aspect of the Offerings is intended to provide, or should be construed as providing, any medical advice of any kind. Pumpkin's insurance policies for dogs cover unexpected injuries or illnesses. Accident & Illness coverage reimbursements are based on the invoice. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. Penalties include imprisonment, fines, and denial of insurance benefits.For SPOT Referral Parent Terms and Conditions, click hereSweepstakes Official Rules. To review the plan best for you, click here. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). When you buy pet insurance, there's a 14-day cooling off period. 2 Upload receipt (s) After your visit, upload your receipt to submit your claim on our easy-to-use online portal. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. NO PURCHASE NECESSARY. A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today. Lifelong gamer. " in 2 reviews You do not need to be a policyholder, purchaser, or quoter to participate. List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. With pet insurance, you pay your vet bill as you normally would, and then you submit your claim to get reimbursed for eligible expenses, based on the parameters of your coverage. Dont forget to take a picture of your invoice and upload it to complete the claim submission. You must contact Spot directly to cancel your plan. Wannabe travel nerd. Once your appeal has been received, you will receive an email confirmation. Pets covered: Dogs, cats. In general, your premium is based on your pets age, your pets breed, and where your pet lives. 5.1 Assignment. NOTICE TO CONNECTICUT APPLICANTS: Concealment, fraud. 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. Your annual deductible amount applies during each policy period. If you purchase and/or use the Offerings, you agree to be bound by these Terms and Conditions (Terms). 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. When. 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