For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. Based on a comparison of top pet insurance companies on ConsumerRating.org. If you are not satisfied with the level of coverage or the price your current insurance company provides, consider switching to a new insurer. California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. 303 Banyan Blvd, Suite 101. 5.1 Assignment. The good news is you can cancel your pet insurance at any time. You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There are nearly 4 million cats and dogs insured in . 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. 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. Get inspired and try out new things. Coverage is subject to the language of the policies as actually issued. 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. 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. What should I consider when canceling my pet insurance policy? You may use any licensed veterinarian in the US. 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 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. 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. Consumer Rating is a Fetch by The Dodo Partner. 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. Trupanion Pet Insurance: Best for No Coverage Limits. For any dispute you have with SPOT, you agree to first contact SPOT and attempt to resolve the dispute with SPOT informally. After seeing success in the US, Spot Pet Insurance has announced its entry into the Canadian market. 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. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, SPOT MAKES NO, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE AVAILABILITY, OPERATION AND USE OF THE SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES ON OR ACCESSED VIA THE SERVICES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON- INFRINGEMENT, AND IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. 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. 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. What can I do instead of canceling my policy? 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. Spot plans cover exams for covered conditions. Most plans offer a choice. Pet health insurance policies are primarily designed to cover accidents and illnesses. List your name, your pet's name, your pet policy number, the cancellation effective date, and the reason for the cancellation. 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. Key Features. Best pet insurance according to Consumer Rating January 2023. 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 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. 70%, 80% or 90%. Does Pet Insurance Cover End of Life Expenses? (NPN # 19246385) 2023 United States Fire Insurance Company. Accident & Illness coverage reimbursements are based on the invoice. For $9.95 . All requests to appeal your claim must be made in writing to us. Spot Pet Insurance Logo, Copyright 2023. The effect on your family budget and pet care. 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. 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. No refund. RELEASE OF LIABILITY. Standing refers to the right of a party to bring a lawsuit to court. Deductibles: $100 to $750. 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. Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Join 2,438,795+ insured dogs and cats across the US. Well email you when we receive your claim, if we need more information, and when its complete. You must satisfy your annual deductible before your reimbursements start. This can cause stress related to your family finances or compromise the quality of veterinary care your canine or feline companion receives. By The Spot Pack June 1, 2022 Stay in Touch Get pupdates from the pack. Save my name, email, and website in this browser for the next time I comment. Switch insurance providers. By doing this, you will lower your monthly premiums, while making sure your pet is still protected and you will be able to pay for unexpected medical bills. Get email updates to help your pets lead happier, healthier lives. Trupanion dog insurance costs $70.12 per month for a $500. Waiting periods. Picture of pet, entrants full name, email, and address must be sent to Spot Pet Insurance 990 Biscayne Blvd. 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. If you are moving to a new state, please contact the Customer Service team at 1.800.905.1595. Have a pet insurance with Spot? With hundreds of hospitals around the country, we're committed to wellness resources for long term care. The odds of being selected as the winner depend on the number of eligible entries received during the Entry Period. The winner will be announced January 10, 2023. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). The 30-day money-back guarantee is available if no claims have been covered. A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. 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. Intellectual Property; 4. Sponsor is not responsible for any incorrect or inaccurate information, whether caused by Web site users or by any of the equipment or programming associated with or used in the Sweepstakes or by any technical or human error that might occur in the processing of Sweepstakes Entries. Participants who engage in any of the foregoing activities will be disqualified and will forfeit any prizes won. Is it possible to cancel my pet insurance policy at any time? You acknowledge that SPOT is the exclusive owner of the Offerings and that the Offerings are the proprietary Intellectual Property of SPOT.SPOT, the Site, and other marks displayed on our Offerings are the proprietary service marks or trademarks of SPOT or its licensors. Can . This gives you a chance to change . 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. More information is available at checkout. General Coverage Questions 1. Who is the insurance carrier for the Healthy Paws Pet Insurance Plan? A few companies offer additional coverage for routine vaccinations and other routine care such as dental cleanings for an added fee. Illness, disease, injury, or change to your pets health that first occurs or shows symptoms before coverage is effective or during a waiting period. To start the transfer of ownership policy change, please reach out to Customer Service. Nationwide Pet Insurance: Best for Exotic Pets . Login to the member portal with your credentials and access your personalized pet insurance portal only on Spot Pet Insurance Member Portal page. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. Products, schedules, discounts, and rates may vary and are subject to change. Vaccines & checkups. Does Spot Offer a Plan for Preventive Care Coverage? When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses. Can I Add Pets to My Account After I Already Enrolled? Simply head to our online cancellation form and fill in your details. 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. 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. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones wont be covered. 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. Penalties may include imprisonment, fines or a denial of insurance benefits. 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. The best thing you can do is ensure that you research pet insurance companies very closely before enrolling in pet insurance. There is no waiting period for preventive care coverage if you choose to add it to your plan. How do I Determine if My Pet Has a Pre-existing Condition? Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Your email address will not be published. Accident-only health plan. Based on this rating, Spot is on NerdWallet's list of the Best Pet Insurance Companies. 1.1 SPOTs Intellectual Property. The 30-day money-back guarantee is available if no claims have been covered. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policy holder or claimant for the purpose of defrauding or attempting to defraud the policy holder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies. These notes are kept by your veterinarian and are not typically sent home with you. ANY VIOLATION OF THESE OFFICIAL RULES BY ANY WINNER (AT SPONSORS SOLE DISCRETION) WILL RESULT IN SUCH INDIVIDUALS DISQUALIFICATION AS A WINNER AND ALL PRIVILEGES DUE SUCH INDIVIDUAL WILL BE IMMEDIATELY TERMINATED AND AN ALTERNATE PRIZE WINNER WILL BE SELECTED. Wellness plans are different from pet insurance and offer additional benefits you can add for day-to-day care. Specific products, features, coverage limits, rates, and discounts may vary by province, eligibility, and are subject to change. Liberty Mutual's customized Pet Insurance delivers affordable coverage so you can choose the best care possible for your pet. 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. Spot also offers two add-on packages that cover preventative health care for your pet. 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. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. 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. Instead of canceling your pet insurance policy, consider the following alternatives that help you maintain the coverage your cat or dog needs: Change the level of coverage. No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. 2 Upload receipt (s) After your visit, upload your receipt to submit your claim on our easy-to-use online portal. You can buy a cover for your pet in any of the 50 states and Washington, D.C. We discuss the plans below. Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pets covered conditions. 3.1 No Medical Advice Provided. 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. Ready? California License #6000188 Insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Accident & Illness coverage reimbursements are based on the invoice. You may cancel this policy at any time. Please consult qualified legal representatives regarding any legal concerns or issues.3.3 No Financial Advice Provided. When calling our call center, please provide the representative with this priority code: Spot Many insurers offer what's known as a cooling-off period, often for a period of 14 to 30 days. Your email address will not be published. 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. 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. Spots Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. Not all insurances cover exam fees. Spot earned 4.5 stars out of 5 for overall performance. If youre considering canceling your policy, you should be aware that there are certain risks to take into consideration. An important note: ManyPets is still expanding within the U.S. and pet owners in Alaska, Florida, Hawaii, Idaho . For instance, you may not be able to re-insure your pet at a later date due to. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. Due to into consideration family finances or compromise the quality of veterinary care your canine or companion. Browser for the Healthy Paws pet insurance offers options for Accident-Only and accident & Illness coverage reimbursements are on... Is no waiting period for Preventive care coverage another number if you choose add! It to your plan cleanings for an added fee ( NPN # 19246385 ) 2023 United Fire... Veterinary care your canine or feline companion receives refund for the Healthy Paws pet insurance are... 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