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How Does a Spot Plan Work in Illinois?
Curious about how a Spot plan works in Illinois? Start by choosing between our Accident & Illness plan or Accident-Only plan, with the option to add Preventive Care coverage for an extra cost. Once you've selected a plan, you can tailor it to your needs by adjusting the annual deductible, reimbursement rate, and annual limit. Enrolling your pet is quick and easy—just provide some essential information about your pet. If your pet needs unexpected care, visit any licensed veterinarian and pay the bill. Then, submit your claim online, in the app, or by mail or email, and you’ll get reimbursed for the covered expenses according to your plan.
Is Pet Insurance Necessary If You Live in Illinois?
How does a Spot plan function in Illinois? Start by selecting one of our two plan options: Accident & Illness or Accident-Only. You can also add a Preventive Care coverage option for an extra cost. After choosing your plan, you can further customize it by selecting the deductible, reimbursement rate, and annual limit that best suits your needs. Enrolling your pet is easy—just provide some basic information. Then, when your pet needs unexpected medical attention, visit any licensed vet, pay upfront, and then submit a claim with the vet bill. Your claim will be processed and once approved, you can get reimbursed based on your plan's terms.
What are the Most Common Conditions in Illinois?
Some of the most common illness claims submitted in Illinois are for the treatment of diarrhea, vomiting, and ear infections†.
Is the average pet insurance claim cost in Illinois high?
Pet insurance claims submitted in Illinois have an average cost of $377†. Through their Spot plan, pet parents can get up to 90% cash back on eligible vet bills.
The Largest Reimbursement to a Pet Parent in Illinois
The largest reimbursement an Illinois pet parent has received through their Spot plan is $10,000†. At Spot, we understand that vet bills can quickly add up and become a burden to pet parents. Our unlimited plans can help provide the support needed to address high vet bills with less financial strain and more peace of mind.
Get a Pet at These Animal Shelters in Illinois
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursement for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in Illinois?
Dogs
Not all dogs are calm and peaceful. There are some breeds that are very aggressive and can attack our pets due to their hunting and herding backgrounds. Illinois is a home for many aggressive breeds including Pitbull, Staffordshire, and Rottweilers. These dogs can make good pets, but when encountered by smaller dogs, aggressive ones may choose to fight and injure our pets.
Read moreHow Spot Plans Help Protect Your Pet
Orthopedic Injuries
Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $4,410†
You Pay $590
Hot Weather
The state of Illinois is known to experience hot weather at times. If exposed to these high temperatures, our pets could be at risk of overheating. Some symptoms include vomiting, diarrhea, lethargy, dehydration, heat stroke, and seizures. Your pet could also collapse due to heat exhaustion if kept outside during such heat for a long time.
Read moreHow Spot Plans Help Protect Your Pet
IV Fluids & Medications
Spot plans cover IV fluids & medications to used treat covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Lyme Disease
Northwest Illinois is considered a high-risk area for infected ticks carrying the bacteria Borrelia burgdorferi, also known as Lyme disease. Ticks are usually found in tall grasses, brush, marshes, and wooded areas. The signs of Lyme disease can take months to develop and can be often mistaken for the flu or arthritis. Some common signs of Lyme disease in your pet can include lameness due to joint pain, fever, and loss of appetite. If left untreated, Lyme disease can lead to heart disease, neurologic disease, and kidney disease in your pets. You should contact your vet immediately if your pet is exhibiting any of these symptoms, or if you suspect they have been bitten by a tick.
Read moreHow Spot Plans Help Protect Your Pet
Diseases from Parasites
Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,710†
You Pay $290
Popular Dog Parks in Illinois
Illinois offers a variety of popular dog parks where dogs can run free and socialize while their owners relax. In Chicago, the Montrose Dog Beach stands out as a prime destination, providing a large, fenced area along Lake Michigan where dogs can swim and play in the sand. Over in Lincoln Park, the Lincoln Park Dog-Friendly Area features spacious, well-maintained fields with separate sections for large and small dogs, making it ideal for off-leash fun. In Naperville, the Dog Park at Knoch Knolls Park offers a scenic environment with trails and a large, fenced area for dogs to roam. Additionally, Peoria’s Glen Oak Dog Park provides a shaded, fenced space with agility equipment, perfect for energetic pups. Each of these parks is designed to offer safe, enjoyable experiences for dogs and their owners, ensuring plenty of opportunities for outdoor fun across the state.
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.
Illinois Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Illinois.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
How can I make my vet visits less expensive?
There are some options you can explore to find less expensive vet care, like looking for cheaper alternatives of prescriptions or comparing different vets, but one of the best methods is getting your pet insured. This way, you can rest easier knowing you have coverage for the unexpected. Also, by taking your pet to the vet for routine preventive care, you can help protect them against future conditions. Spot plans offer preventive care coverage at an additional cost to your plan.
Do Spot Plans Offer Coverage for Puppies/Kittens in Illinois?
Yes, Spot's coverage is available for puppies and kittens as early as 8 weeks old.
Do All Animal Hospitals Accept Spot in Illinois?
Yes, with Spot Pet Insurance, you can take your dog to any licensed veterinarian in the United States. There are no restrictions on the choice of vet, giving you flexibility in seeking the best care for your pet.