Refer-A-Friend Program Terms

No purchase or payment of any kind necessary to participate.

1. Eligibility

To participate, you must be a legal US resident, eighteen (18) years of age or older at the time of entry. You must have a current pet insurance plan from Spot Pet Insurance Services, LLC (“Spot”) at the time of referring (“Members”). You are not eligible to participate if you or your Friend (as defined below) reside in the following states: GA, KS, LA, MA, MI, NM, SD, TX, WI, RI, and WV and void any other place where restricted by law. The Friend must complete an application and must use the Reward Link for you to be eligible for the promotion and to receive an Amazon gift card (“Gift Card”). The Friend must complete an application within the Promotion Term (defined below). Gift Cards are eligible for the the first 2,000 applications completed by Friends or until the end of the Promotion Term, whichever comes first. No exceptions to these rules will be allowed. The employees and contractors of Spot Pet Insurance Services, LLC, and its sponsors and advertising agencies, and members of the immediate family of any such persons are not eligible to participate and/or win. The term immediate family includes spouses, domestic partners, siblings, parents, children, grandparents, grandchildren, or other family extension, and any other persons residing at the same household, whether or not related.

2. Agreement to Official Rules

By participating in the Refer-a-Friend promotion (“Referral Program”), each Member fully and unconditionally agrees to and accepts these Referral Program terms and the decisions by Spot, which are final and binding in all matters related to the Referral Program. Whether an entrant receives a Gift Cards is contingent upon fulfilling all requirements set forth herein. One $25 electronic Gift Card will be issued for each new Friend who completes a Spot pet insurance application no matter how many pet insurance applications the same referred person completes (i.e. if a referred person has 2 or more pets, only one Gift Card will be issued). The Friend you refer must complete a Spot pet insurance application for their pet, for any Spot pet insurance plan. The application is considered complete after all required application required application information is received and is accurate and verifiable. The Friend you refer must use the Reward Link at the time the application is made to qualify for you to be eligible for the Gift Card. The Referral Program (defined below) is eligible for the first 2,000 applications completed by Friends or until thirty days thereafter, whichever comes first (“Promotion Termination”). Applications completed after the end of the Promotion Termination will be ineligible for a Gift Card. No exceptions to these rules will be allowed. The Friend you refer must not be a current Spot policy holder at the time you referred the Friend. Friends must complete the application within the Promotion Term to be eligible. A limit of up to 4 Gift Cards per year will be allowed in the State of Washington. In all other eligible states, you will be eligible for a lifetime amount of $5,000.00 under the Referral Program or any successor programs where you can refer a Friend for a reward (“Promotion Amounts”). The Gift Cards will be awarded per referring Member within forty- five (45) days after the Promotion Termination. Visit for additional terms of service.

3. How to Enter

Use the unique link sent to you by email (“Unique Link”) or visit and complete purchase a policy. Send the Unique Link with the Spot messaging via a text, email, or social media to any of your friend(s) you are referring (“Friend”).

4. Reward

One $25 Gift Card will be issued for each Friend that completes an application, up to Promotion Amounts (see agreement to official rules above). Gift Cards will be fulfilled via email within 45 days from end of the Promotion Termination. The reward will be sent to the referee in the form of a Gift Card Code emailed to the email address indicated in the “your email address” associated with your Unique Link. Spot is not responsible for loss or deletion of electronic Reward Link or any incomplete or inaccurate application completed by a Friend. Members should contact Amazon via if they are experiencing technical difficulties or other issues associated with their Gift Cards. Determination of Referral Program eligibility and qualifying referrals, as well as any exceptions, are at the sole discretion of Spot. Spot reserves the right to verify and adjust rewards and reward amounts at any time prior to or following posting and redemption. May not be combined with other Spot offers. Offer not transferable or redeemable for cash. Member’s policy must be active and in “in force” status at the time of the referral and through the Promotion Term, as determined by Spot in its sole discretion, to receive a Gift Card. This offer is intended for Members to refer their friends and family to Spot as new members and should not be advertised or marketed in a commercial manner. Member may also not discuss policy terms, rates, plan terms or any other aspect of the pet insurance plans that Spot provides with the Friend(s), including in any messaging (“Plan Terms”). Any use of the Referral Program as either a commercial account(s), or by discussing Plan Terms, or by any attempt to avoid the lifetime amount shall not be eligible for Gift Card(s) in Spot’s sole discretion. Spot reserves the sole right to modify, suspend or cancel this referral program at any time without notice. Visit for more information.

5. Risk of Loss

The risk of loss and title for Unique Link passes to the Member upon our electronic transmission of the Unique Link to the Member or designated recipient, or our delivery to the carrier, whichever is applicable. Spot is not responsible if any Gift Card reward is lost, stolen or destroyed or your Gift Card balance or any Gift Card is used without your permission.

6. Limitations of Liability

Spot, and each of its respective affiliates, subsidiaries, parent corporations, and their respective officers, directors, shareholders, employees and agents, are not responsible for any incorrect or inaccurate entry information, theft, tampering, destruction, or unauthorized access to, or alteration of entries; printing or other errors; and any entries or mail which are late, lost, delayed, incomplete, misdirected, stolen, mutilated, illegible, postage due or any combination of the above. Spot reserves the right to modify, change reward amount, suspend or terminate the Referral Program at any time. In the event the Referral Program is terminated early, referral rewards will still be granted through the date of Promotion Termination.

7. Release of Liability

By participating, participants and entrants agree to release, discharge, indemnify and hold harmless Spot, and each of its respective affiliates, subsidiaries, parent corporations, underwriter and their officers, directors, employees, representatives and agents from and against any claims made by the participants, entrants or any other third parties related in any way to the operation of this program, as well as any other claims, damages or liability due to any injuries, damages or losses (whether alleged, threatened, or actual) to any person (including death) or property of any kind resulting in whole or in part, directly or indirectly, from acceptance, possession, misuse or use of any prize or participation in any program-related activity or participation in this program.

8. Sponsor

Spot Insurance Services, LLC

9. Reward Link Terms and Conditions Gift Card* offer is subject to the terms of this promotion. This Gift Card is not valid or combinable with any other gift from Spot Pet Insurance Services, LLC. This promotion is not sponsored or endorsed by Amazon. *Restrictions apply, see