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What is Pet Insurance for Dogs and Cats?
Pet insurance is like a good friend in a time of crisis, helping you by taking some of the load off your shoulders. Pet insurance helps you cover the eligible vet bills when your pets fall sick or are injured.
Without a pet insurance plan, pet owners may experience stress and anxiety because of the vet bills they have to pay when their pets need accident or illness care.
Just like us human beings, pets can also develop health conditions over their lifetimes. Some examples can include, Canine distemper, influenza, heartworms, leptospirosis, external parasites for dogs and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, and giardiasis for cats. We want the best possible care out there for our pets, but the vet bills can show big numbers at times. This is where pet insurance can help. Learn more about if pet insurance covers spaying and neutering and does pet insurance covers dental.
Why is pet insurance important in South Carolina?
Hypothyroidism
Thyroxine, a hormone released by the thyroid gland in the neck of dogs, controls their metabolism. When dogs are diagnosed with hypothyroidism, it means that this gland is not releasing enough of the hormone. This can happen to any breed, but in South Carolina it’s commonly found in Golden Retrievers, Labrador Retrievers, Doberman Pinschers, Irish Setters, Dachshunds, Boxers and Cocker Spaniels. Some symptoms of hypothyroidism include seizures, heart and blood vessel problems, muscle loss, sluggishness, ear infections, and infertility.
Read moreHow Spot Plans Help Protect Your Pet
Diagnostics & Treatments
Spot plans cover prescription medications prescribed by a licensed vet to treat 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 $1,710†
You Pay $290
Coyotes
Coyotes first appeared in SC about 30 years ago and continue to expand greatly in numbers. Over 30 different breeds of dog were reported to have been attacked by coyotes in South Carolina, and they are present all throughout the state. Despite being close relatives, Coyotes view dogs as a threat, or as potential prey, depending mainly on the size of the dog. Smaller dogs are at a higher risk here. They can get into a serious fight leaving some severe injuries to our pets. If the injury pain was not enough, the open wounds also attract parasites and bacteria which can cause infections and internal organ damage in extreme cases.
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
Extreme Heat
South Carolina is the 8th hottest state in the country with over 70 days a year reaching temperatures over 105 degrees. The state also experiences around 40 days of heat waves. Extreme heat can severely affect our dogs and cats, and if your pet is left outside during these hotter days, they can be at risk of overheating. Frantic panting, extreme salivation, bright-red membranes, and labored breathing are some of the signs of overheating. This can also lead to heat exhaustion, heat stroke or sudden death from cardiac arrhythmias.
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 $2,160†
You Pay $340
Why Spot Plans?
Spot plans offer a wide range of plan options for you to choose from so you can stress less about getting your pet the care they need. Spot plans include coverage for exam fees for covered conditions and microchip implantation, which many other providers’ plans don’t cover.
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.
South Carolina Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of South Carolina.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Will pet insurance save me money?
Many pet owners don’t realize the benefits a pet insurance plan could give them until they need it. There is no telling when an unexpected accident or illness will happen, or how much the cost will be. We believe in preparing for these uncertainties with a pet insurance plan, so you can stress less about those high vet bills. Besides, your pet insurance plan is something you hope you won’t have to use.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.
What is hyperthyroidism in pets?
Hyperthyroidism is when the thyroid gland produces excess hormones which can lead to increased metabolism, hyperactivity, and weight loss despite an increased appetite.
What should I do if my pet is overheated?
You should immediately get your pet out of the heat. Some things you can do are placing a fan in front of them, wetting your pet with cool water (not cold though), giving them water, and keeping them in a shaded area.
What should I do if my pet and I encounter a coyote?
Stand still, pose as a big strong human, be loud, and back away slowly. Do not turn around and run. If the coyote attacks your pet (or you), get help immediately to clean and address the wounds.