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What is Pet Insurance for Dogs and Cats?
Pets are good for our physical as well as mental well-being. We wouldn’t want anything unfortunate to affect their health, but if it happens, we ought to be prepared financially to help get them the best care. Pet insurance helps cover the eligible vet bills from your pet’s unexpected accidents and illnesses.
There can arise some unfortunate times when our pets have an unexpected accident or illness. One of the best things to do is to be ready with a pet insurance plan. We, as mere humans, can’t control unfortunate happenings; pet insurance can help protect your pet and your pocket. Know more about whether I should get pet insurance.
Why is pet insurance important in Kentucky?
Saltwater Poisoning
With many bodies of water in Kentucky, our pets can end up ingesting saltwater unexpectedly when out for a walk or swim. Ingesting saltwater can lead to saltwater poisoning, and the pet could develop symptoms including weakness, diarrhea, muscle tremors, and seizures among others.
Read moreHow Spot Plans Help Protect Your Pet
Toxin Ingestion
Spot plans cover foreign objects and toxin ingestion that your pet may swallow unexpectedly.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $3,060†
You Pay $440
Environmental Dermatitis
Grass, dander, pollen, wool, and dust mites are all allergens to pets. Chemicals used around the household in the lawns or parks where the pets usually go for walks can also cause several allergies. The reactions due to contact with any one of them can lead to severe itching, rashes, blisters, swelling, and redness. Kentucky is not immune to any of these allergens and has plenty of it. Certain skin disorders can be chronic and can live with your pet forever.
Read moreHow Spot Plans Help Protect Your Pet
Prescription Medications
Spot plans cover prescription medications prescribed by a licensed vet to 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 $0†
You Pay $100
Rocky Mountain Spotted Fever
Rocky Mountain Spotted fever is a disease that spreads primarily throughout the Midwest, Pacific Northwest, Eastern US, and parts of Canada. This disease is transmitted through various species of ticks carrying the infections disease Rickettsia rickettsia including the American Dog Tick and the Wood Tick. Some signs your dog may have RMSF include loss of appetite, muscle or joint pain, fever, stomach pains or cramps, vomiting or diarrhea, and swelling of the infected area. In severe cases, RMSF can lead to focal hemorrhages in the eyes and gums and neurological complications. Infection can occur within minutes, so it’s important you seek veterinary care immediately if you suspect your pet has been bitten by a tick. Always check your pets for ticks after a hike through a wooded area, or after they come in from playing outside in the grass.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Diseases
Spot accident & illness plans cover illnesses resulting from infectious diseases your pet may catch.
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
Why Spot Plans?
Spot plans feature easy, paperless, online claims, direct deposit payment options, optional preventive care coverage for an extra cost, and a 30-day money-back guarantee if no covered claims have been filed (not available in NY); do we need to give more reasons? If yes, we have them! Learn more about what does pet insurance cover.
Affordable Plans for Cats & Dogs
Life is full of surprises. Spot helps pet parents plan for them with easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Kentucky Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Kentucky.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Is Pet Insurance More Expensive for Certain Breeds?
Pet insurance premiums can vary based on several factors; the pet’s age, breed, location, as well as the coverage selected for your plan, and your chosen deductible and annual limit.
Insurance providers take breed into account because different breeds can be prone to different health conditions.
Premiums may also change if you have multiple pets, and are able to receive a multi-pet discount.
Are There Any Age Limits?
There are no strict age limits with Spot Pet Insurance; pets can be covered from eight weeks old and up. This flexibility is ideal for older pets that other companies might not insure. If you don’t know your pet’s exact age, use your best estimate from medical records or shelter/rescue documents, or confirm their age by checking their medical history.
Can I Add Pets to My Account After I Already Enrolled if I Live in Delaware?
Certainly! Spot allows you to insure more than one pet, and offers a multi-pet discount that provides a 10% reduction on premiums for each additional pet after the first. This discount helps lower the expense of care for all your pets, helping make it easier to manage their insurance costs. Each pet added to your Spot plan qualifies for this discount.