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What is Pet Insurance for Dogs and Cats?
Pet insurance is a way to cover eligible expenses for your pet’s accidents and illnesses. It is similar to the insurance we get for ourselves and our families. And pets are an integral part of our family.
The vet bills can run huge at times, especially if some unfortunate accident or illness happens to our four-legged babies. This is where pet insurance can help. Despite the many possible threats to your pet, you have help sleeping like a baby when you have pet insurance. Know more about how does pet insurance work and what does pet insurance cover.
It is our duty to help get our pets the best care when they need it. Pet insurance can cover up to 90% of your pet’s eligible vet bills, so you can worry less about the cost and more about the care. Know more about pet insurance reviews and top pet insurance FAQs you need to know.
Why is pet insurance important in Montana?
Snake Bites
Montana has 10 native snake species in the state, some of which are poisonous. The Prairie Rattlesnake is a venomous snake and can be found throughout the state. If you decide to take your pet on a hike in the woods, there is a risk that you will encounter a snake. It is important to pay attention to your dog at all times due to their natural curiosity. Snakes bite dogs and cats most commonly around their mouth, ankles, and legs. The effects of venomous snake bites can include trembling, shaking or twitching of muscles, diarrhea and vomiting, and paralysis.
Read moreHow Spot Plans Help Protect Your Pet
Poison Control Consultation Fees
Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or gets bit by something poisonous.
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
Moose Attacks
Moose occupy forested landscapes throughout western Montana. It’s possible to come across a Moose during hikes or forest walks with your dog. Montana’s diverse landscapes are home to plenty of wild animals like buffalo, elk, moose, grizzly bears, and golden eagles. Moose, especially, view dogs as enemies and can pose a threat if encountered. These attacks can leave our pets with injuries, sometimes severe.
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
Brucella canis
Brucella canis, the bacteria that causes canine brucellosis is a risk to us and our pets in Montana. This disease primarily affects large populations of stray and intact dogs and can spread through reproduction or direct nose/mouth contact with fluids from an infected female. Puppies can become affected at birth if the mother is infected. The number of dogs infected by this disease has more than doubled since 2022, and shelters in Montana have contributed greatly to surveying and testing for this disease. Some symptoms of this disease can include inflammation of the reproductive organs, lethargy, and lymph node enlargement. Some dogs infected with this disease may show no clinical symptoms.
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?
We believe in great care of the pet as well as the pet parent. Our goal is to help ensure peace of mind for the pet parent by offering customizable plans with extensive coverage options.
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.
Montana Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Montana.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Should I get pet insurance or save money instead?
It’s hard to predict whether that surprise bill will be $500 or $5,000. Pet Insurance might not seem “worth it” until you’re one of the pet owners who have a surprise bill for an unexpected accident or illness. With a Spot plan, eligible vet bills for covered conditions will be reimbursed up to the specified rate, regardless of how much money you saved beforehand.
What can be toxic to pets?
Irrespective of the breed of cats and dogs, there are certain foods that are very toxic to them. These include alcoholic beverages, avocados, coffee beans, raw meat, nuts like macadamia, pistachios, pine nuts, Brazil nuts, pecans, etc.
Does Spot Offer a Plan for Preventive Care Coverage?
Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Find more information on preventative care coverage here.
How to protect pets during storms?
If a storm is forecasted, it is advised to keep your pet and yourself indoors or find a shelter wherever possible at the earliest and stay there until the threat is over. Try to stay in the interiors of the room and not near the windows and doors to avoid direct impact.
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.
Is medication covered by Spot pet insurance plans?
Yes, medication prescribed by a licensed vet to treat a covered condition would be covered by a Spot plan. Know more about what does pet insurance cover.