Emergency Coverage in Pet Insurance for Dogs and Cats
Up to 90% Cash Back on Eligible Vet Bills
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Insurance for Pet - Related Emergencies
Spot’s accident and illness plan can help provide your pet with emergency coverage in pet insurance, helping provide crucial coverage when unexpected accidents or illness may affect your pet. As our most comprehensive plan, it can help cover the cost of treatment for a variety of pet emergencies including accidental injuries like broken bones or unexpected illnesses such as ingestion of toxins. Emergencies can happen at any time and the cost of emergency veterinary treatment can quickly add up, potentially causing financial stress. Customize your pets plan today for some much-needed peace of mind.
Who Is a Good Candidate for Emergency Pet Insurance Coverage?
Whether you have a playful puppy, a curious kitten, or a seasoned senior pet, emergencies can happen at any age or stage of life. This coverage plan can help ensure your pet receives prompt and comprehensive medical attention in critical situations while reimbursing you for covered veterinary costs. It is highly recommended that anyone interested in owning a pet consider dog health insurance or cat health insurance.
Dog Insurance Coverage for Emergencies
With our comprehensive dog insurance plan options, you can have peace of mind knowing that your beloved canine may receive the necessary medical attention with less financial stress. Whether it's emergency surgery, diagnostic tests, or overnight hospitalization, our plans can help support your dog’s access to quality care, helping allow you to focus on their well-being rather than worrying about the cost.
Cat Insurance Coverage for Emergencies
At Spot, we recognize that our feline friends can also encounter unexpected medical emergencies. From sudden injuries like falls or bites to illnesses such as urinary blockages or respiratory issues, cats can require immediate veterinary intervention. Whether it's emergency treatment, diagnostic tests, or critical care services, our cat insurance plans could help protect your cat, helping allow you to focus more on their recovery and less on the cost of their care.
Pet Insurance for Emergency Surgery
Needing emergency surgery can be an unfortunate reality for many pet parents. Emergency surgeries for pets can be life-saving interventions. Whether it's a sudden trauma or a medical emergency, prompt surgical intervention can often be necessary to alleviate pain, prevent further complications, and sometimes, save a pet’s life. By enrolling in a Spot plan, coverage is available to help address the cost of these procedures when the unexpected happens.
Learn more: How Much Is Cataract Surgery for Dogs?
What are Some Common Vet Emergencies?
There are some common vet emergencies that pet owners may encounter:
Allergies
Cats and dogs can suffer from allergies that are environment, seasonal, or dietary. While most allergies do not require immediate attention, a pet’s reaction can be so severe that vet expertise is required.
Bite Wounds
Wounds from a bite from another animal or insect could be so severe that they require stitches or become infected.
Broken Bones
If your pet gets into an accident during play or an altercation with another animal, they may require broken bone surgery.
Heatstroke
The main signs of heat stroke in dogs to look out for include excessive panting, labored breathing, drooling, vomiting, diarrhea, and appearing unsteady or collapsing.
What is Excluded from Pet Insurance for Emergencies?
While pet insurance can certainly help you by covering the costs of eligible vet expenses, some things pet insurance cannot help you with include the following:
Boarding and kennel fees
Breeding costs
Expenses not related to veterinary care
Grooming
Pre-existing conditions
How Much Will Pet Insurance Cover for Emergency Vet Bills?
Depending on the kind of pet insurance policy that you sign up for, you could get reimbursed for a certain percentage of the bill. You will most likely be required to pay the veterinary bill upfront and then file a claim to receive the reimbursement from Spot later on.
Affordable Pet Insurance Options for Cats & Dogs
Life is full of surprises. Spot can help pet parents plan for them through easy and simple pet health insurance options that can be used at any licensed vet in the U.S. or Canada
1)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $750 annual deductible, and a $2,500 annual limit for a 2-year-old mixed cat in 32009. Plan costs vary.
(2)Advertised premium is based on an accident and illness plan with an 80% reimbursement rate, $500 annual deductible, and a $2,500 annual limit for a 2-year-old small mix (11-25lbs) in 32009. Plan costs vary.
Emergency Coverage for Pet Insurance FAQs
Do I Need Accident and Emergency Pet Insurance?
Pet insurance plans that offer coverage for emergencies are highly recommended for prospective and current pet parents.
Does Pet Insurance Start Instantly?
>>If you enroll your pet in one of our preventative care add-ons, their coverage will begin the next day. Coverage for our Accident-only and Accident and Illness base plans generally begin after a 14-day waiting period. Residents of DE, ME, MO, MT, NE, NH, WA, and LA may be eligible for next day coverage with an accident-only plan.<<
How Does Pet Insurance Work in an Emergency?
If you find yourself at an emergency clinic with your pet, you will cover the bill at checkout and then submit a claim with your itemized receipt to Spot through your online Member Center or through our Spot Pet Insurance app. We will process your claim and reimburse you for covered expenses.
What is the fastest starting pet insurance plan?
Coverage under a Spot plan’s preventative care add-ons begin the day after enrollment. So while your accident or illness coverage will not begin until after the 14-day waiting period, you can still submit preventative care claims for veterinary services like vaccines, dental cleanings, spaying or neutering and more.
Read more about insurance for multiple pets here
What is usually not covered by pet insurance?
>>Generally, pet insurance does not cover any costs related to grooming or breeding, and will not cover any cosmetic procedures. Coverage is typically specific to the treatment of accidents and illnesses, or preventive care services like dental cleanings (with the purchase of a preventive care add-on). Pre existing conditions are also not covered by most pet insurance companies.<<
Happy Pet Parents Trust Spot
Great, first time experience
The girl that helped me fill out the claim form was so helpful and patient. I expected the claim to be denied, but was so surprised when it went through so quickly. in the beginning I was skeptical about getting my dog health insurance but now I’m glad that I did.
Good coverage and fast processing
Good coverage and fast processing times. The application is easy to use and submit claims. When I have had questions, they were answered quickly and with enough information to help.
Spot has always been great to work…
Spot has always been great to work with. We have never had a problem being reimbursed for covered expenses.
Choose Spot Pet Insurance
This is our first time having pet insurance and loving having it. It takes away the stress of what could be a very stressful situation. Claims are easy to submit online and are processed quickly. This is a no-brainer!
Turn around time on claims great
Turn around time on claims great, also explanation of benefits is very clear
Easy to file claims.
Easy to file claims.
I’m very pleased with this insurance
I’m very pleased with this insurance. Claims are handled quickly and the communication is great. I feel like I have a partner in my dog’s care.
Fast and kind responses
We’ve only had to take in our little buddy Bruce twice this year for vet visits for one reason or the other. Spot has made it incredibly easy to submit claims and are prompt with response times. I’ve also called in the advice line and felt the staff is kind and knowledgeable. I am so glad we made the switch this year!
My dog needed dental surgery for a…
My dog needed dental surgery for a broken tooth - Spot quickly sent us our check for reimbursement. Very pleased!
Great insurance for my French bulldog.
I needed to file a claim for my French Bulldog Gracie. I had read the reviews and feel that they were dismal. I turned in Gracie's history and the current surgery she needed which was tumor removal in her gums and a few other "frenchie" items. I was reimbursed approximately 66% of the vet bill. I signed her up for emergency and accident insurance only. I felt that the reimbursement was completely fair. I had no problems with reimbursement and just received my check today - thus the review. I would rate Spot pet insurance a 5/5. I felt that they were fair and I received the judgement and payment relatively quickly. I have no complaints! Thank you for your help and assitance.
