For dogs, customers can select either a $10,000, $20,000 or Unlimited annual limit. Your email address will not be published. It offers best-in-class 100% reimbursement for covered expenses with . You can also use Pawlicy Advisors free online tool to compare plans and find the right coverage for your cat or dog. 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. This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today. More information is available at checkout. Pre-existing conditions are not covered. Veterinary Services. Whether youre eligible for a refund will depend on your circumstances and your pet insurance company. They offer deductibles of $100, $200, and $500, and their reimbursement rate is 90%, making them come out on top over Spot in this department. Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spots Preventive Care plans, which you can add on to your base level plans for a little extra cost. ManyPets offers some of the cheapest pet insurance around, costing $35.89 . Figo is our pick for the most comprehensive pet insurance plan available. 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. You can also call the Petplan Customer Service Centre on 0345 071 8000 or send a written confirmation to: Petplan, Great West House (GW2), Great West Road, Brentford, Middlesex TW8 9DX. Barney's pet health insurance Policy. Does Pet Insurance Cover End of Life Expenses? Filing a claim with Spot pet insurance is easy. Claims can be submitted easily through our login page. If you pay by monthly direct debit, or you have paid annually on your credit card and agreed to Continuous Payment Authority (CPA), your policy will renew automatically unless you tell us otherwise. Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual! 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. 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. Sponsor is not responsible for any problems or technical malfunction of any telephone network or lines; computer online systems, servers, or providers; computer equipment; software; or failure of e-mail or entry on account of technical problems or traffic congestion on the Internet or at any Web site or combination thereof, including injury or damage to participants or to any persons computer related to or resulting from participating in this Sweepstakes, downloading materials from Sponsors Web site. 2023 Pawlicy Advisor Inc, All Rights Reserved. Any modifications to the Terms will be effective upon posting. To review the plan best for you, click here. Many owners without pet insurance are faced with the decision to pay for expensive vet treatment and seriously damage their family budget or end their pets life. . SPOT shall be entitled to recover its costs and reasonable attorney fees in any action pursuant to this Agreement.5.7 Governing Law. 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). NOTICE TO OHIO APPLICANTS:Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. The winning Entrants are responsible for the reporting and payment of all federal, state and local taxes incurred by the acceptance of the prize. 5.1 Assignment. You can enroll your pet in plan from Spot as soon as theyre 8 weeks old. The process will mostly depend on when you cancel, but it is fairly straightforward. For cats, they can choose either a $7,000, $15,000, or Unlimited annual limit. Spot 24/7 VetAccess Tele-health. By comparing personalized coverage and pricing differences we can save you a ton of money, up to 83% in some instances! There is no upper age limit for coverage or enrollments. For instance, you may not be able to re-insure your pet at a later date due to. These Terms or the Privacy Policy set forth the entire understanding between you and SPOT with respect to the subject matter hereof and supersede any prior or contemporaneous communications, representations, or agreements, whether oral or written, between you and SPOT with respect to such subject matter.5.3 No Waiver. All pet insurance policies come with . 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. WHAT CAN I WIN?Prize includes $200 Visa gift card, bandana, leash, 2 large boxes of Sundays For Dogs foodThe winning entrants will be notified through the channel they entered. Whenever you have a pet insurance question or need to review your options, please email us or call us at 1-855-898-8991. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. Spot earned 4.5 stars out of 5 for overall performance. This website ("Site") and SPOT Pet Insurance Services, LLC's 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. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select. Coverage is subject to the language of the policies as actually issued. If you do not agree to be legally bound by these Terms, you are not permitted to purchase and/or use the Offerings.SPOT may offer the Offerings through applications or apps. Can I Cancel an Insurance Claim? 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. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. ASPCA's pet insurance plan will . All Pet Insurance plans have waiting periods, annual deductible, co-insurance, benefit limits and exclusions. Products, schedules, discounts, and rates may vary and are subject to change. Get answers to common questions about pet insurance and learn how Spot Pet Insurance can protect your furry friend. Spot performed better in coverage and eligibility, while ManyPets performed better when it came to costs. If you need to cancel your claim request for any reason, you can do so by calling the call center: 1.800.905.1595. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path. With pet insurance, you will be getting the best value for your four-legged friend while keeping them healthy and happy. Vaccines & checkups. Each of the wellness plans costs extra, obviously. 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. Get email updates to help your pets lead happier, healthier lives. YOU EXPRESSLY AGREE THAT YOUR PURCHASE AND/OR USE OF THE OFFERINGS, AND ANY INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS CONTAINED IN, ACCESSED VIA, OR DESCRIBED IN THE OFFERINGS, IS AT YOUR OWN RISK, AND THAT ALL SUCH INFORMATION, CONTENT, PRODUCTS, SERVICES AND MATERIALS ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS. 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. Morristown, NJ). 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. Pet Insurance Plans Find out what eligible conditions and accidents our plans cover. Additionally, your premium will be affected by your pets age each year, as the risk for more costly claims grows higher. Be a legal resident of the 50 United States, or the District of Columbia, including APO/FPO addresses excluding Puerto Rico. " in 3 reviews " Fast claim payment, great price and peace of mind!!! What was once an obscure insurance product has been gaining steam. 2 in our Best Pet Insurance Companies of 2023 rating based on several factors, including price, number of policy add-ons, and available discounts. This gives you a chance to change . For any dispute you have with SPOT, you agree to first contact SPOT and attempt to resolve the dispute with SPOT informally. Questions? 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. Sponsor is not responsible for any typographical or other error in the printing of these Official Rules or any materials associated with the administration of the Sweepstakes or the announcement of the prize. Spot Pet Insurance offers a 30-day money-back guarantee. Any modifications to the Terms will be effective upon posting. 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. 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. Note: your premium may change based on your new zip code. Compare Pet Insurance Companies The insurance company might charge you a small administration fee to cover the paperwork involved with the cancellation. The good news is you can cancel your pet insurance at any time. 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. 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. To process this request, you will need to submit proof of new ownership, including the new owners full name, address, and phone number. 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. When. These notes are kept by your veterinarian and are not typically sent home with you. Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Notable features: Accident and illness coverage; wellness add-on available. 1 Go to any vet Visit any vet, specialist or emergency clinic you'd like and pay your bill there. How long does spot take to process claims? Worth watching: Unlike Spot, Pumpkin offers just one reimbursement rate: 90%. It was founded in 2019 and aims to deliver first-class coverage without breaking the bank. 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. When you add preventive care coverage, youll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. Insuring multiple pets. Find more information on preventative care coverage here. NOTICE TO LOUISIANA APPLICANTS:Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefits or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. Penalties may include imprisonment, fines, or denial of insurance benefits. Then, on the verification page, click "Done" to complete the Pets Best Pet Health Insurance unsubscription. Submit your claim on the Spot Pet Insurance website by. Your coverage limit for an Accident-Only policy can be $3,000, $4,000, $5,000, $7,000 or $10,000 per year. 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. Underwriter: United States Fire Insurance Company AM Best Rating: A BBB Rating: B Exam period: SPOT doesn't obligate you to take a thorough physical exam for your pet in order to grant you the right to become eligible for enrolling on one of their pet insurance plans; Increase in monthly premium: Just like every other pet insurance company, SPOT's premiums increase . NOTICE TO ILLINOIS APPLICANTS:A person who knowingly makes any false or fraudulent statement or presentation in or with reference to any application, or for the purpose of obtaining any fee, commission, money, or benefit from or in any company transacting business under this article, commits a Class A misdemeanor. Reply from Spot Pet Insurance. SPOT is an insurance producer licensed in your state. Trupanion Pet Insurance: Best for No Coverage Limits. 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. IN ADDITION, SPOT DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE VIA THE OFFERINGS IS ACCURATE, COMPLETE OR CURRENT, AND IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS THEREIN OR FOR ANY ADVERSE CONSEQUENCES RESULTING FROM YOUR RELIANCE ON ANY ASPECT OF THE OFFERINGS. Prizes cannot be assigned, transferred, exchanged or otherwise redeemed. NOTE: ANY ATTEMPT BY AN ENTRANT OR ANY OTHER PERSON TO DAMAGE ANY WEB SITE ASSOCIATED WITH THE SPONSOR OR ITS AGENTS OR UNDERMINING THE LEGITIMATE OPERATION OF THE CONTEST IS A VIOLATION OF CRIMINAL AND CIVIL LAW, AND SPONSOR AND ITS AGENTS RESERVE THE RIGHT TO SEEK DAMAGES FROM ANY SUCH PERSON TO THE FULLEST EXTENT PERMITTED BY LAW. Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California. % of Medical Expenses. Whether you live in Tampa, Miami, or anywhere else in the Sunshine State, a Florida pet insurance policy can prevent you from paying expensive vet bills and get treatment for your pet when it has an accident. Your monthly premium is based on the deductible, reimbursement percentage, and annual payout options that you choose from the table below. What Happens to My Pet Insurance if I Move? 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. You should not consider any content on the Site to be a substitute for professional financial advice. Spot Pet Insurance Logo, Copyright 2023. Our Vet Care Providers. Spot offers coverages for cats and dogs for either accident-only policies or accident and illness policies. How do I Determine if My Pet Has a Pre-existing Condition? The number of days to appeal a claim varies by the state in which your policy was issued. Flea & tick medication. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. Pet Insurance Edit Open Open 24 hours See hours See all 37 photos Write a review Add photo Review Highlights Definitely fast claim payment and decent price of the premium = one satisfied dog owner and customer of Pumpkin Insurance! Any submitted appeal should state clearly why you or your vet disagree with the initial determination and include supporting documentation. 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. 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. 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. Sometimes, pet owners change their minds and no longer want the insurance policy they signed their four-legged friend up for. You can also get a pet insurance quote through your veterinarian or by shopping around online. The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by emailing reply@spotpetins.com and requesting compensation information.In placing, renewing, consulting on or servicing your insurance coverages SPOT and its affiliates may participate in contingent commission arrangements with the insurance underwriter that provide for additional contingent compensation, if, for example, certain underwriting, profitability, volume or retention goals are achieved. 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. Conditions occurring within policy waiting period(s). Wannabe travel nerd. SPOT, at its sole discretion, and without compensation to you, may use, not use, edit, adapt, modify or discontinue the use of any communication or material you transmit to SPOT, or you post to the Site, for any purpose whatsoever including, but not limited to, disclosure, transmission, reproduction, distribution, publishing, broadcasting, or posting in any medium. 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. Do You Have a List of Veterinarians I Have to Use? For a full list of terms and conditions, click here to view a sample policy. SPOT makes no representation or warranty regarding the Third-Party Services. Feb 13, 2023. 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. NerdWallet's ratings are determined by our editorial team. Typically, pet insurance plan renewals are automatic and will continue to renew as long as you're paying your premiums, haven't canceled your plan, or broken any agreements within your pet insurance policy. Instead of canceling your policy, consider changing the level of coverage of switching insurers. 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 According to Spot, you can get accident-only coverage with premiums that start at $17 per month. Do Spot Plans Offer Pet Insurance Discounts ? In all events, the sole maximum liability of Sponsor and its affiliates shall be limited to any of the prize(s) set forth herein. NOTICE TO CONNECTICUT APPLICANTS: Concealment, fraud. Pumpkin's insurance policies for dogs cover unexpected injuries or illnesses. The section headings appearing in these Terms have been inserted for the purpose of convenience and ready reference. 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. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot. Spot Pet Insurance Logo, Copyright 2023. Petplan will return to you the unearned portion of any premium paid. Policy form The basics. For plans other than Preventive Care,. Waiting periods, annual deductible, co-insurance, benefit limits, and exclusions may apply. 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. "Pet insurance policies do not cover pre-existing conditions." Pet insurance policies do not cover pre-existing conditions. Their communication and attentiveness have been outstanding and we are very fortunate to be Spot Covered! Please consult a qualified veterinarian or other medical professional regarding any medical concerns or issues.3.2 No Legal Advice Provided. Canceling coverage for one of your pets might increase the cost of coverage for your other pets. Yes. Not all insurances cover exam fees. Spot is a pet insurance provider based in West Palm Beach, Florida. No aspect of the Offerings is intended to provide, or should be construed as providing, any legal advice of any kind. The Privacy Policy is incorporated herein by reference.SPOT reserves the right to make changes at any time to the Offerings or these Terms. 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. If you cancel within this period, youll get a full refund for the premiums youve paid, provided you havent filed a claim. Void where prohibited. Sponsor reserves the right at its sole discretion to disqualify and prohibit any Entrant from participating in the Sweepstakes or winning a prize who Sponsor suspects, in the sole discretion, of attempting to undermine the legitimate operation of the Contest by cheating, hacking, deception, or other unfair playing practices (including the use of automatic quick entry programs) or intending to annoy, abuse or threaten or harass any of the Sponsors representatives or otherwise failing to comply with these Rules. A few companies offer additional coverage for routine vaccinations and other routine care such as dental cleanings for an added fee. Figo Pet Insurance: Best for 100% Reimbursement. If you notify Petplan within the first thirty (30) days from the start date, and you have not submitted any claim against this policy, Petplan will refund the entire premium. The pet insurance marketplace endorsed by veterinarians, at Pawlicy Advisor we make buying the best pet insurance easier. 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. Your pets age. How Much Does Spot Pet Insurance Cost? Licensed Insurance Producer - Pawlicy Advisor. Insurance plans are marketed and produced by Spot Insurance Services, LLC. Call: (844) 696-1407. NO PURCHASE NECESSARY. The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by emailing reply@SPOTpetins.com and requesting compensation information.In placing, renewing, consulting on or servicing your insurance coverages SPOT and its affiliates may participate in contingent commission arrangements with the insurance underwriter that provide for additional contingent compensation, if, for example, certain underwriting, profitability, volume or retention goals are achieved. Winner will be chosen randomly.Submitting an entry constitutes agreeing to the terms of these Official Rules and all decisions of Sponsor and/or its designee, which are final and binding in all respects. Here's how it works if your pet gets hurt or sick: Take your pet to the licensed vet of your choice. You must satisfy your annual deductible before your reimbursements start. What you should know. If you are thinking about canceling your policy because your pet seems perfectly healthy and hasnt had any major medical issues, keep in mind that health conditions can happen at any time. What Do Pet Insurance Plans Provided by Spot Cover? 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. If you're not satisfied with the coverage during the first 30 days, you can get a full refund. Is it possible to cancel my pet insurance policy at any time? Coverage limits are slightly different for horses. 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. Does Spot Offer a Plan for Preventive Care Coverage? 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. These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions. 90%. You can submit a claim within 270 days from the date of treatment. Additionally, by your purchase and/or use of the Offerings you agree that you acknowledge and agree to SPOTs Privacy Policy (defined below). 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. Will I lose money if I cancel my pet insurance policy? You may use any licensed veterinarian in the US. If you are thinking of canceling your coverage, keep the following things in mind: Pre-existing conditions. What Do Spot Pet Insurance Plans Not Cover? What is insured under this pet insurance plan? Pet Wellness. If the ownership of your pet changes to another individual, we can transfer the policy to the new pet owner without any interruption of coverage. Annual Maximum: $10,000, $20,000 or unlimited. Plans provided by Spot do not cover pre-existing conditions. Customer Service Monday to Friday 8:00am - 8:00pm EST Phone: 1.800.905.1595 Before reaching out with questions about pet insurance plans from Spot, be sure to read our FAQ page. The level of coverage of switching insurers offers coverages for cats and dogs for either policies! 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