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What Does a Spot Pet Insurance Plan Cover in South Dakota?
No matter where you are in South Dakota, Spot Pet Insurance offers our same comprehensive plan options to help you with the eligible costs of caring for your pet. Whether it’s unexpected accidents, injuries, or illnesses, our plans can also extend to hereditary and congenital conditions as well as surgeries for covered conditions. You’ll also find coverage for prescription medications and alternative therapies included in the base plans. Just keep in mind, our plans do not cover pre-existing conditions.
Take Your Pet To These Vets in South Dakota
Does Spot Offer Different Plans in South Dakota?
Spot’s plan options do not vary by state, offering the same choices to all pet owners nationwide.
Accident Only Plan: The Accident Only plan focuses on covering accidents and injuries. This plan is ideal if you’re seeking coverage for unexpected incidents like fractures, cuts, or other injuries resulting from accidents.
Accident and Illness Plan: The Accident and Illness plan offers broader coverage, including not just accidents but also unexpected illnesses like cancer, diabetes, and infections. It’s designed to help protect your pet from a wide range of health issues, both sudden and chronic that develop later on.
Preventive Care Coverage: For those who want help covering routine care, Spot offers optional Preventive Care coverage options. This coverage helps with the eligible costs of routine preventive treatments, such as vaccination
Is Pet Insurance Necessary If You Live in South Dakota?
In South Dakota, pet insurance coverage isn’t a necessity, but it can often be a wise decision. With a plan, you can cover eligible vet expenses, helping to protect you from unforeseen costs that can arise when your pet needs unexpected care. While not required, having that financial safety net can help make a big difference in managing unexpected situations.
Find Your Next Pet at These Animal Shelters in South Dakota
What Is the Average Claim Cost in South Dakota?
According to internal claims data, the average claim cost in South Dakota is $278.82†.
What Was the Highest Reimbursement in South Dakota?
The highest reimbursement in South Dakota was $2,690†. The high reimbursement is a direct example of how much a pet insurance plan can help pet parents save.
Examples of Common Claims in South Dakota
Some common claims in South Dakota include diarrhea and vomiting†. These can be linked to foreign object ingestion or toxic ingestion.
† 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 South Dakota?
Coyotes
Although Coyotes are the state animal of South Dakota, these wild animals can pose a big threat to our pets. Typically, Coyotes can be found along the Missouri River and in the Black Hills, but some can live near urban and suburban areas in pursuit of food. When Coyotes venture into residential areas in search of food, our pets are at risk of an encounter especially if left outside unsupervised. Pet owners in this state are advised to keep their dogs on leashes and to be on alert while our pets are playing outside. It’s best to keep food indoors and to not leave garbage outdoors to help prevent Coyote encounters with our pets.
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
Lyme Disease
Caused by a deer tick bite, both you and your pet can get affected by this disease called Lyme disease, which was first discovered in Lyme, Connecticut. Borrelia burgdorferi, the bacterium causing this disease finds its way to the bloodstream and starts affecting joints, causing general pain in the body of the pets. Vomiting, diarrhea, and fever, are a few symptoms of this disease, however, swollen painful joints yet remain the biggest indicator of it. If left untreated, this disease in dogs can progress to kidney failure and even be fatal in severe cases.
Read moreHow Spot Plans Help Protect Your Pet
Diagnostics & Treatments for covered conditions
Spot plans cover diagnostics & treatments 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 $360†
You Pay $140
Brucellosis
Brucellosis is a canine disease found in dogs, caused by the bacterium Brucella Canis. For pets, the highest chance of this occurring is during breeding programs. Contact with vaginal discharges, semen, birthing fluids, and urine are the main avenues of getting this disease. Aborted pregnancies, stillbirth, and the inability to become pregnant are the main consequences of this bacteria. swollen lymph glands, eye disease, and infections of the spine are some of the symptoms that may appear in dogs. The more threatening fact is that this disease spreads to people as well. There have been several cases in both, dogs and humans, of this disease in South Dakota.
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 South Dakota
South Dakota's stunning natural landscapes offer a plethora of outdoor adventures for pet owners. Explore the unique badlands formations of Badlands National Park on foot or by bike. For those seeking a more forested experience, the Black Hills National Forest offers a variety of trails, lakes, and campgrounds to explore. And for a scenic drive filled with wildlife encounters, Custer State Park is an ideal destination.
Best Dog Parks in South Dakota
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.
South Dakota Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of South Dakota.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
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 Heat-Related Illnesses in South Dakota?
Whether pet insurance covers heat-related illnesses in South Dakota can vary. It may cover eligible vet expenses if the condition meets the policy’s requirements
My Dog Has a Pre-Existing Condition. Will it be Covered by Insurance?
Pet insurance generally does not cover pre-existing conditions. This means that if your pet has a pre-existing condition, it will not be included in your coverage. Spot Pet Insurance plans follow this standard policy, so pre-existing conditions are not covered under their plans. However, conditions that are cured and curable after 180 days of a. condition being symptom free and treatment free, a condition is no longer considered pre-existing. This does not apply to knee and ligament conditions.
How Much is Pet Insurance in South Dakota?
In South Dakota, the cost of pet insurance can fluctuate based on various factors, including your pet's age, breed, and the level of coverage you choose. On average, dog owners pay $50 per month for pet insurance, while cat owners typically spend $29 monthly.* Premiums will vary depending on the details of the plan you select.
*Jan. 2019 to Aug 2024 policy administrator data.