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What Does a Spot Plan Cover in Pennslyvania?
Whether you live in Pennslyvania 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.
Check Out These Vet Offices in Pennsylvania
How Does a Spot Plan Work in Pennsylvania?
How does a Spot plan operate in Pennsylvania? Begin by choosing between our two plan options: Accident & Illness or Accident-Only. For help with additional peace of mind, consider adding a Preventive Care coverage option. After selecting your plan, customize it with your choice of deductible, reimbursement rate, and annual limit. Enrolling your pet is straightforward—just share their age, breed, and location. Should your pet require unexpected care, visit any licensed vet, pay the bill, and submit your claim with the itemized vet bill. You can get reimbursed for the covered expenses as per your plan’s terms.
Where to Get a Pet in Pennsylvania
Pennsylvania Pet Insurance Quick Facts:
The average claims cost in Pennsylvania is $363.41†
The highest reimbursement in Pennsylvania was $10,000†
Some of the most common claims in Pennsylvania includes diarrhea, vomiting, and microchip implantation†
† 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 Pennsylvania ?
Arthritis
Arthritis and orthopedic conditions are common in the state of Pennsylvania as around 17% of the illnesses reported to the vets in the state are around these conditions. Cruciate ligament tears, knee injury, hip dysplasia, osteoarthritis, and lameness in the front or back legs are seen frequently as well in this state. These conditions can be chronic for some dogs. Larger dogs like the Great Dane, Saint Bernard, Labrador Retriever, and German Shepherd Dog, etc. have higher chances of getting these illnesses. The vet bills could also get very big at times in the treatment as many of them could need surgeries.
Read moreHow Spot Plans Help Protect Your Pet
Alternative Therapies
Spot plans cover alternative therapies for covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $630†
You Pay $170
Lumps and Lymphoma
Lymphoma is a common cancer in dogs, which is similar as non-Hodgkin’s lymphoma found in humans. There are more than 30 different types of known canine lymphomas, all of which vary in aggressiveness, survival rates, and clinical signs. We have not yet been able to find out the exact causes of it, but we do know some symptoms include lymph nodes becoming larger, lethargy, fever, anorexia, weakness, dehydration, diarrhea, and weight loss, among others. These can be chronic and fatal. Early detection and early treatment help improve the chances of recovery.
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
Raccoons
Residents of Pennsylvania are very familiar with the Racoon as they have been known to turn over garbage cans, topple bird feeders and ravage gardens in pursuit of food in the state. Raccoons like to take shelter in the warmth and safety of our homes and can enter them through structural holes, windows, and pet doors. Once inside, it may be hard for them to find their way back out. Raccoons can pose a threat to our pets due to the risk of attacks, and the risk of rabies. Although preventable, if your pet is not vaccinated and gets bitten by an animal that has rabies, it is almost always fatal. Also, rabies can be transmitted to humans too. Pet owners in Pennsylvania should take care to seal up their outdoor garbage cans, windows, and pet doors to help prevent raccoons from entering homes. If a raccoon does enter your home, contact animal control immediately to help excavate the animal. Do not use poison or other chemicals on raccoons in your home as they may be poisonous to your pets as well.
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
What To Do With Your Pet in Pennsylvania
For those seeking urban adventures, explore popular parks like Rittenhouse Square in Philadelphia or Allegheny Commons in Pittsburgh, where you can enjoy leisurely strolls, off-leash play, and scenic views. Outdoor enthusiasts can immerse themselves in the natural beauty of Presque Isle State Park, Gettysburg National Military Park, or Allegheny National Forest, hiking through scenic trails, camping under starry skies, or fishing in pristine waters.
Presque Isle State Park, located on Lake Erie, offers a variety of outdoor activities for you and your furry friend. Explore the park's beaches, trails, and nature centers, or simply relax and enjoy the stunning views of the lake. Gettysburg National Military Park, steeped in history, provides a unique opportunity to hike through the battlefield and learn about one of America's most pivotal moments. Allegheny National Forest, the largest national forest in Pennsylvania, offers endless opportunities for outdoor exploration, including hiking, camping, fishing, and wildlife viewing.
Beyond these iconic destinations, Pennsylvania boasts countless other state and local parks, each with its own unique charm and amenities. From the rolling hills of the Pocono Mountains to the picturesque valleys of the Laurel Highlands, there's something for every outdoor enthusiast and their furry companion.
Check Out These Dog Parks in Pennsylvania
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
Pennsylvania Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Pennsylvania .
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
How much does pet insurance cost in PA?
Based on internal data, Spot plans in Pennsylvania cost about $44 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 Pennsylvania for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
How Much is Pet Insurance in PA?
The cost of pet insurance in PA can differ based on several factors, including the age and breed of your pet and the coverage level you select. The typical monthly premium is $50 for dogs and $29 for cats.* Premiums can vary according to the details of the plan you opt for.
*Jan. 2019 to Aug 2024 policy administrator data.
Do Spot Plans Offer Coverage for Puppies/Kittens?
Absolutely, Spot offers insurance for dogs and cats beginning at 8 weeks of age.
What Was the Average Claims Cost in Pennsylvania?
The average claims cost is $363.41†.
† 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.
What Was the Highest Reimbursement in Pennsylvania?
The highest reimbursement in Pennslyvania was $10,000†.
† 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.
Are There Examples of Common Claims in Pennsylvania?
Some of the common claims in Pennslyvania include diarrhea, vomiting, microchip implantations, and otitis†.
† 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.