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What is Pet Insurance for Dogs and Cats?
Pet insurance can act as a safety net for the unfortunate accidents and illnesses that can happen to our pets. It acts similar to insurance for humans and helps cover eligible expenses in return for a premium.
We love our pets and wouldn’t want them to suffer from infections or diseases, but we can’t always protect them and they can end up falling sick. Some treatment costs can run up to hundreds and thousands of dollars at times.
As paw-rents, it is our duty to get out pets the best care when they need it. Compromising on treatment wouldn’t be an ideal option and this is where pet insurance can help. Pet insurance can help cover eligible vet expenses so that you can worry less about costs and more about care.
Why is pet insurance important 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
Why Spot Plans?
Spot provides customizable plan options for our pet parents. We understand your various needs, and our plans help ensure that pet parents can get coverage for their pets at a price that works for them.
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.
Missouri Pet Insurance Information by City
Pet Insurance FAQs
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.