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What Does a Spot Pet Insurance Plan Cover in Missouri?
Whether you live in Missouri or elsewhere, Spot Pet Insurance offers plan options that don’t change by location in the U.S. Our plans are designed to assist with eligible expenses related to unexpected accidents, injuries, illnesses, and hereditary or congenital conditions. They can also cover surgeries for covered conditions, along with prescription medications and alternative therapies. Please note that pre-existing conditions are not included in our coverage plans.
Is Pet Insurance Necessary If You Live in Missouri?
In Missouri, it’s not absolutely necessary to have a pet insurance plan, but it can typically be a good idea. A plan can help you manage eligible vet expenses, particularly when the unexpected happens. While not required, having pet insurance can help offer significant peace of mind and financial protection in uncertain situations.
Where to Get a Pet in Missouri
What Was the Average Claim Cost in Missouri?
Based on internal claims data, the average claim cost in Missouri was $135.20†.
What Was the Highest Reimbursement in Missouri?
We understand that pet ownership can get expensive in Missouri. Almost countless things may happen to your pet when they go about their everyday life. The highest reimbursement in Missouri was $9,550 .02†
What are Some Common Claims in Missouri?
If you currently own a pet or are looking to get one, it may be a good idea to see what other pet owners in the state have had to deal with. Here is a list of some of the claims pet parents must deal with most in the Show-Me State†:
Diarreah/vomiting
Microchip Implantation
Ear infection
Where to Find Vets in Missouri
† Jan 2019 to May 2024 administrative claims data. Includes total reimbursed for accident, illness, and wellness. Individual reimbursement results and coverage vary based on plan type.
Why We Recommend Pet Insurance in Missouri?
Birds of Prey
Common hawks in Missouri include the Red-Tailed Hawk, Red-Shouldered Hawk, Broad-Winged Hawk, and Rough-legged Hawk. The diet for local birds of prey, such as red-tailed hawks, includes small rodents. This makes dogs and cats of small size potential prey for them. These birds can try to attack our pets and leave them severely injured at times. Among these hawks, the red-tailed hawk is the most common in the state and has been known to prey on small dogs and cats.
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 $3,060†
You Pay $440
Leptospirosis
Leptospirosis is a common waterborne disease caused by the bacteria Leptospira. Missouri’s lakes, rivers, and ponds are what it boasts. These very same water bodies become feeding ground for bacteria like lepto. Dogs especially can contact these bacteria while swimming in any of these stagnant water bodies. Once affected, the signs can include Fever, muscle tenderness, shivering, vomiting, changes in urination, jaundice, and kidney failure. The chances of it being fatal are also quite high.
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
Wildlife Encounters
Missouri is home to many types of wildlife, including coyotes, foxes, and snakes. Encounters with these animals can be dangerous for pets, particularly if they are not properly supervised or restrained. Pets should be monitored closely when spending time outdoors and should be kept on a leash or in a secure enclosure to help minimize the risk of wildlife encounters
Read moreHow Spot Plans Help Protect Your Pet
Emergencies & Hospitalizations
Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.
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
Popular Dog Parks in Missouri
Missouri is home to several standout dog parks where your furry friend can enjoy plenty of space and activities. In St. Louis, the Forest Park Dog Park is a top choice, offering a spacious, fenced area with separate zones for small and large dogs, shaded spots, and water stations. Kansas City’s Berkley Riverfront Park features a large off-leash area with picturesque views of the Missouri River, perfect for a relaxing day out. In Columbia, the Stephens Lake Park Dog Park provides a well-kept, fenced environment with agility equipment and walking trails for exploration. Joplin’s Dogwood Park is another excellent spot, with a generous open space, a pond, and wooded areas for adventurous play. Each of these parks is thoughtfully designed to offer a safe and enjoyable experience, ensuring that both you and your dog can make the most of your time outdoors in Missouri.
Dog Parks in Missouri
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.
Missouri Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Missouri.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Is it worth getting a pet insurance plan in MO?
We think pet owners should consider getting pet insurance for their pets. Even if you believe you have enough money to cover veterinary costs, pet insurance could still save you potentially thousands of dollars if your pet gets unexpectedly sick or injured. If you have multiple pets, your costs could add up considerably without pet insurance.
How Much is Pet Insurance in Missouri?
Pet insurance rates in Missouri can be influenced by factors such as your pet’s age, breed, and the type of coverage.. Pet insurance costs an average of $50 a month for dogs and $29 a month for cats.* The exact premiums will depend on the specifics of the chosen insurance plan.
*Jan. 2019 to Aug 2024 policy administrator data.
What is the Best Level of Pet Insurance in Missouri?
Spot Pet Insurance provides both Accident-Only and Accident & Illness coverage options. These plans feature unlimited annual limits, with no caps on individual incidents or lifetime coverage. Spot plans cover eligible expenses for medically necessary treatments prescribed by your vet for covered conditions. You can visit any licensed veterinarian in the US and Canada. For detailed terms and conditions, click here to view a sample policy.