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What is Pet Insurance for Dogs and Cats?
Pet insurance for dogs and cats works similar to the one we get us humans. It acts a way to help cover the eligible vet expenses which can occur due to unfortunate illnesses or accidents to your pet, in return for a premium.
Owning a pet can be a challenging job. It comes with its own responsibilities and expenses. Pets can fall sick or get injured at times. We want to get our pets the best care out there, but the vet bills can show big numbers at times. Pet insurance can help here. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance.
Despite our love and affection for our pets, we can’t control the unfortunate circumstances. But what we can control is our finances, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through by having a pet insurance plan.
Why is pet insurance important in North Dakota?
Extremely Cold Temperatures
With temperatures that can drop to 50 below zero, this state can pose a great threat to humans and pets alike. There are some pets, especially dog breeds like the Husky, German Shepherd, Shiba Inu, and Keeshond, that are bred for colder temperatures but others with short and thin coats are more vulnerable in colder climates. Some of these breeds include Great Dane, Poodle, Pug, Greyhound, and Shih Tzu. They can get frostbite and hypothermia. If left untreated, hypothermia can also result in cardiac and respiratory failure, brain damage, coma, and sometimes death.
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 $1,710†
You Pay $290
Venomous Snakes
This state has an abundance of venomous snakes like the Prairie Rattlesnake, found especially in the western parts. Even the most cautious of dogs can unsuspectingly wander upon a snake in the wild. Smaller dog breeds like the Pug, Shih Tzu, Chihuahua, etc. are at a higher risk of severe consequences of snake bites than bigger dog breeds due to their size. Cats are at an equally high risk. Delayed treatments can cause symptoms like seizures, paralysis, and even death.
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
Rabies
North Dakota has seen a number of confirmed Rabies cases across the state. This virus is preventable, but infected animals can transmit the disease through biting other animals. The virus attacks the nervous system and causes swelling of the brain. Rabies has no treatment and is almost always fatal. It is important to keep your pets up to date on their rabies vaccinations, especially because some states require this by law. Also, always keep your dog on a leash to help prevent encounters with wild animals that may be carrying the rabies virus.
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 $810†
You Pay $190
Why Spot Plans?
We are in comfort and peace-providing business. We know we offer favorable plans for our pet parents when they can sleep peacefully knowing that their pets are insured with a Spot plan.
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.
North Dakota Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of North Dakota.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
How much is pet insurance in ND?
Based on internal data, Spot plans in North Dakota cost about $32 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. 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 North Dakota for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
Can I Add Pets to my Account After I Already Enrolled?
Yes, you can obtain pet insurance for multiple pets with Spot. Their multi-pet discount offers a 10% discount on premiums for every additional pet after the first. This discount helps makes it more affordable to provide extensive insurance coverage for all your pets. You can enroll each of your pets in a Spot insurance plan and take advantage of these savings.
What are the Three Types of Insurance Covered in North Dakota?
In North Dakota, Spot offers three types of pet insurance: accident-only coverage, accident and illness plans, and an optional wellness add-on. These options help allow you to choose the level of coverage that best fits your pet’s needs.