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How Does a Spot Plan Work in New Jersey?
Curious about how a Spot plan works in New Jersey? Start by choosing between our Accident & Illness plan or Accident-Only plan, with the option to add Preventive Care coverage for an extra cost. Once you've selected a plan, you can tailor it to your needs by adjusting the annual deductible, reimbursement rate, and annual limit. Enrolling your pet is quick and easy—just provide some essential information about your pet. If your pet needs unexpected care, visit any licensed veterinarian and pay the bill. Then, submit your claim online, in the app, or by mail or email, and you’ll get reimbursed for the covered expenses according to your plan.
Find Vet Offices in New Jersey
Does Spot Offer Different Plans in New Jersey?
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.
Is The Average Claim Cost in New Jersey High?
According to Spot internal data, the average claim in New Jersey was $161.20†
What Are The Most Common Claims in New Jersey?
Some of the most common claims that pet parents face in New Jersey include diarrhea/vomiting, ear infection/otitis, and unspecific allergies†.
What Was the Highest Reimbursement in New Jersey?
According to internal claims data, the highest claim in New Jersey was $20,715.92†. This reflects the potentially high vet bills that New Jersey pet parents may have to face.
† 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.
Get Your New Pet at These Adoption Centers in the Garden State
Why We Recommend Pet Insurance in New Jersey?
Coyotes
The department of fish and wildlife in the state has estimated the Coyote population in the state to be around 4000-6000. Born killers with preying as their natural instincts, these destructive animals are very aggressive. Attacks often occur at night on cats left outside to wander and small dogs that are out in yards. Coyotes will also attack larger dogs they perceive as rivals during mating season. They can get into a fight with our pets and severely injure them. Moreover, the open wounds after the fight can become avenues for several bacteria and viruses to enter the skin and causes several diseases and internal organ damage in severe cases. Some of these Coyotes also carry rabies.
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
Porcupines
New Jersey is home to a lot of wild animals. But rarely does someone think of Porcupines in NJ. The barbed, loosely embedded hairs that that coat the skin is what comes to mind when we think about them. But these same quills are what injure our pets. A porcupine is very exciting for a dog because they're strange looking. But the quills can go into the skin and migrate. It can even go in the chest and cause some very serious problems. And NJ does have a population of these small animals.
Read moreHow Spot Plans Help Protect Your Pet
Surgery & Specialized Care
Spot plans cover surgery for covered conditions. Eligible care by a licensed specialist in the U.S. or Canada for covered conditions are also covered by Spot plans.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $6,210†
You Pay $790
Lyme Disease
The three most common tick species in New Jersey are the black-legged (deer tick), the lone star tick, and the American dog tick. Among the possible diseases and infections transmitted by these ticks, Lyme disease is the most common tick-borne disease in the state. Ticks typically live in dense woodland areas, forests, and tall grasses and can hitch a ride on us or our pets while out on a walk. Since their small size can make them go unnoticed, it’s important to be aware of some of the symptoms of tick-borne diseases which can include lethargy, fever or chills, headache, muscle or joint pains, and difficulty breathing. You should always check your pets for ticks when they come inside from a walk or a hike.
Read moreHow Spot Plans Help Protect Your Pet
Diseases from Parasites
Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $360†
You Pay $140
Why Spot Plans?
We are a pet and pet-parent-first organization. We believe in helping provide a smooth and hassle-free experience for our members, not just pet insurance. We sleep peacefully only when we know our pet parents are sleeping peacefully too.
What To Do With Your Pet in New Jersey
Some of our favorite things to do with your pet in New Jersey are going to dog parks, visiting some of the great state beaches, hiking on the many trails in New Jersey, and even enjoying outdoor dining.
Check Out the Best Dog Parks in New Jersey
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.
New Jersey Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of New Jersey.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Do You Have a List of Veterinarians I Have to Use?
You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics.
Can I Take My Dog or Cat to any Vet in New Jersey?
Absolutely, Spot Pet Insurance allows you to visit any licensed vet in the United States with your dog. You have the freedom to choose a veterinarian that best suits your pet's needs.
Can Spot Plans Cover any breed in New Jersey?
Yes, pet insurance usually can cover any breed in Nebraska. Regardless of your pet’s breed, you can find a policy that provides the coverage you need.