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. 90%. If you have any questions relating to these Terms, the Site, the Offerings or SPOT, please contact: reply@SPOTpetins.com. Note: your premium may change based on your new zip code. General Coverage Questions 1. Who is the insurance carrier for the Healthy Paws Pet Insurance Plan? Email requests may go to help@gohealthypaws.com. NOTICE TO CONNECTICUT APPLICANTS: Concealment, fraud. 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. Plans are produced and sold by: Spot Pet Insurance Services, LLC. This means that any illnesses or injuries related to that condition will not be covered. Unless resolved by mutual efforts of the parties hereto, disputes or claims that may arise out of or in connection with this Agreement and for which either party shall seek equitable relief, all differences, disputes or claims arising in connection with this Agreement or any transaction or occurrence contemplated hereby shall be finally settled under the Commercial Rules of the American Arbitration Association in Palm Beach County, Florida, by one or more arbitrators appointed in accordance with such Rules (and the arbitrator shall be obligated to provide a reasoned opinion). Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps. SPOT is an insurance producer licensed in your state. According to Spot, you can get accident-only coverage with premiums that start at $17 per month. What Do Spot Pet Insurance Plans Not Cover? 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 may cancel this policy at any time. Please consult qualified legal representatives regarding any legal concerns or issues.3.3 No Financial Advice Provided. After comparing 16 leading pet insurance providers, ManyPets received a 4.9 out of 5, while Spot received a 4.7 out of 5. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. Penalties may include imprisonment, fines or a denial of insurance benefits. 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. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. 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. Base level plans provided by Spot do not cover routine teeth cleanings. 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. 2. PUBLICITY CONSENT. We advise all paw-rents to insure their pet at a young age. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. Flea & tick medication. 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. For a comprehensive list of policy exclusions and limitations, click here to view a sample policy. All requests to appeal your claim must be made in writing to us. By The Spot Pack June 1, 2022 Stay in Touch Get pupdates from the pack. You agree that you have read, understand, and agree to all terms applicable to you, which are contained herein. 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. With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. Plans provided by Spot do not cover pre-existing conditions. 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. You can also get a pet insurance quote through your veterinarian or by shopping around online. 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. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Can I cancel Petplan at any time? Pumpkin has a single insurance plan that applies for both dogs and cats. Possibility of chronic illness onset. NOTICE TO MARYLAND APPLICANTS:Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. PRIVACY. The waiting period begins on the first effective date of the applicable coverage. The effect on your family budget and pet care. Yes, you can add preventive care coverage to your policy for a little more cost. While your cat or dog might be perfectly healthy at the moment, unexpected veterinary expenses can arise at any time. When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. You can read our Privacy Policy to see how we will use your information. 4. Void where prohibited. A confirmation page will be displayed. Do You Have a List of Veterinarians I Have to Use? Find more information on preventative care coverage here. If your pet gets injured or sick, pet insurance helps cover medical expenses. Even if you focus on insured pets, the risk is rarely . Date of experience: February 08, 2023. 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. Meanwhile, the average annual pet-insurance premium in 2017 was $516, while the average annual vet bill per pet the same year was $92. Award Winning Pet Insurance Pet insurance for many more moments together From emergency treatment to preventive care, we make giving your pet a healthier life accessible and affordable for all. Pre-existing conditions are not covered. 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. For all terms and conditions visit spotpetins.com/sample-policy. To cancel your pet policy, contact Petplan at 1.844. 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. 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. 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. Pop culture evangelist. 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 COLORADO APPLICANTS: It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Their communication and attentiveness have been outstanding and we are very fortunate to be Spot Covered! If you move within your current state, you are able to adjust your address via the Account Information section in the Spot Customer Portal. Does Spot Offer a Plan for Preventive Care Coverage? Worth watching: Unlike Spot, Pumpkin offers just one reimbursement rate: 90%. SPOT ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWING IN THE SITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT IMAGES, VIDEO OR AUDIO FROM THE SITE.CERTAIN STATE LAWS MAY NOT PERMIT LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN TYPES OF DAMAGES, AND THUS SOME OR ALL OF THE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS ABOVE MAY NOT APPLY TO YOU.4.3 Arbitration. Does Animal Friends insurance Auto Renew. Medical records for your pet include doctors notes, laboratory results, and other documentation regarding any of your pets visits to the veterinarian. 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. ENTRY PERIOD. When calling our call center, please provide the representative with this priority code: Spot To participate in the Spot Pet Insurance program sweepstakes you must: Be 18 years of age or older at the time of entry. Any modifications to the Terms will be effective upon posting. Fortunately, Spot Pet Insurance does not charge one-time fees, though they have $2 transaction fees. 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). Does the plan have any waiting periods? Any communication or material you transmit to SPOT, or post to the Site, by electronic mail or otherwise, including any data, questions, comments, suggestions, stories, homepages, or the like is, and will be treated as, non-confidential and non-proprietary. An important note: ManyPets is still expanding within the U.S. and pet owners in Alaska, Florida, Hawaii, Idaho . NO PURCHASE NECESSARY. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. Many pet insurance providers hesitate to offer coverage to senior animals when you first sign up for insurance. To start the transfer of ownership policy change, please reach out to Customer Service. Subject to all federal, state, and local laws. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. 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. The only treatment covered for dental accidents is tooth extractions. 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. See the breakdown of what Spots Preventive Care plan options cover:https://Spotpetins.com/sample-policy/. Pet Wellness. Notable features: Accident and illness coverage; wellness add-on available. 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