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How Does a Spot Plan Work in Minnesota?
How does a Spot plan function in Minnesota? 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 suit 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.
Does Spot Offer Different Plans in Minnesota?
Spot doesn’t offer different plans by state, and you can choose from these consistent options no matter where you live in the U.S.
Accident Only Plan: The Accident Only plan is designed to help cover accidents and injuries, making it a suitable choice if you want protection against unexpected incidents like fractures or other accidental injuries.
Accident and Illness Plan: The Accident and Illness plan includes coverage for unexpected illnesses in addition to accidents. It helps provide financial protection for conditions like cancer, infections, and diabetes, offering broader coverage for your pet’s health needs.
Preventive Care Coverage: Additionally, Spot offers optional Preventive Care coverage options. This can help you manage routine care expenses, such as vaccinations and regular check-ups, which can be important for maintaining your pet’s overall health.
Common Health Conditions in Minnesota Pets
Ear infections, vomiting, and diarrhea are some of the most common reasons pet parents in Minnesota take their pets to the vet†.
Average Cost of a Pet Insurance Claim in Minnesota
The average cost of a pet insurance claim in Minnesota is $389†. Pet parents with coverage can get up to 90% cash back on covered vet bills through their Spot plan.
How Much Was the Largest Reimbursement in Minnesota?
To date, the largest pet insurance claim paid by a Spot plan has been $12,878†.
Animal Shelters in Minnesota
† 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 Minnesota?
Black Bears
One of the iconic species of Minnesota is the Black Bear. They usually live in forests, swamps, and other areas but can wander in urban areas for food at times. Bears follow their prey and usually it ends up being dogs or cats. Fast movements of dogs around these predators can trigger pursuit and they can end up injuring our pets severely or even killing them in some cases. Dogs are usually not afraid of bears and end up barking or chasing bears, which might lead to the bears going in self-defense mode and attacking at times.
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 $3,960†
You Pay $540
Blue or Green Algae
Freshwater lakes and ponds invite dogs for a swim given their love for swimming. And Minnesota is home to 14,380 lakes. These lakes also become avenues for the formation of blue or green algae which when consumed or contacted by our pets, can turn out to be very toxic and threatening to them. They can affect the skin, gastro-intestinal tract, liver, and central nervous system leading to organ damage as well.
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 $1,710†
You Pay $290
Cold Weather
Minnesota typically has very cold winters, and pets can be at risk of hypothermia, frostbite, and other cold-related injuries like exposure to harmful chemicals and salt used to melt snow and ice, and dehydration. If you suspect your pet is suffering from hypothermia or frostbite, seek veterinary care immediately.
Read moreHow Spot Plans Help Protect Your Pet
Hypothermia and Frostbite
Spot plans can cover hypothermia and frostbite that may happen to your pet in colder climates.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,260†
You Pay $240
What to Do With Your Pet in Minnesota
Minnesota is full of activities that you and your dog can enjoy together. In Minneapolis, the Minnehaha Dog Park is a top destination, offering a large, fenced area with trails and a dog-friendly beach along the river for endless fun. For a more adventurous outing, the Boundary Waters Canoe Area Wilderness invites leashed dogs on stunning canoe trips and hiking trails through picturesque landscapes. In St. Paul, the Como Park Zoo and Conservatory allows leashed dogs in designated areas, providing a unique way to explore the park’s attractions. The state also hosts events like "Woofstock," featuring pet-friendly vendors, contests, and activities that celebrate dogs. Additionally, many charming towns, such as Duluth, have pet-friendly cafes and shops with outdoor seating, ensuring your dog can join in on the fun. With its diverse range of recreational opportunities, Minnesota is a fantastic destination for making lasting memories with your furry friend.
Best Dog Parks in Minnesota
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.
Minnesota Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Minnesota.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Is dog insurance in MN worth it?
For a state that has poses a number of threats to our pets, the costs of covering medical treatments for unexpected injuries or illnesses can run high at times. You will have to decide if you think it is worth paying a premium or risk potentially paying thousands at the vet.
Which pet insurance in Minnesota covers pre-existing conditions?
Most pet insurance plans don’t cover pre-existing conditions. However, with a Spot plan, this doesn’t mean the condition can’t be covered in the future if the condition is curable. 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. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
How much is pet insurance in MN?
According to Spot data, the average cost of pet insurance in Minnesota is about $39 per month. In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. 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. Click here to get a quote.
*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Minnesota for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.