Spot Pet Insurance Review 2025

When You Cancel

You must contact us via email, telephone or in writing to advise us of the future date when this policy is to cancel. You can send written notification by email, fax or by mail. We will refund any premium that you have already paid for any period after your last date of coverage.

When We Cancel

If you fail to pay your premium, we may cancel your coverage at any time. A notice will be sent to you providing at least 10 days’ notice of our intent to cancel or such other time as required by the state of your primary address. 

We may also cancel your coverage by giving you at least 30 days notice for any of the following reasons:

• You commit fraud or material misrepresentation when you obtain insurance or pursue a claim. 
• You perform a willful or reckless act or omission that substantially increases the probability or severity of a covered loss.
• There is a material change that substantially increases the probability or severity of a covered loss. 
• Our continuing coverage risks placing us in violation of state insurance laws. 
• There is a material change that results in our inability to continue to provide coverage, such as you moving into a state where the policy is not available. PET-P-20000-OH-0723 ACCIDENT &ILLNESS POLICY

If you misrepresented or concealed any material fact that would have affected our decision to provide coverage, we may cancel, invalidate or rescind your coverage. If so, a notice will be sent advising you of our decision. Coverage is canceled, invalidated or rescinded as of the effective date that we specify. This may include rescission backdated to the original policy period effective date.