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What is Pet Insurance for Dogs and Cats?
Pet insurance for dogs and cats is a financial safety net that helps cover the eligible costs of veterinary care. It typically includes coverage for various medical expenses, such as emergencies, surgeries, and treatments for unexpected illnesses or accidents.
Pet parents typically pay a monthly premium, and in return, the insurance plan helps offset the potential costs associated with their pet’s unexpected accidents or illnesses. This coverage can help provide peace of mind and helps ensure that pet parents can make medical decisions based on their pet's needs rather than financial constraints. Learn more about what pet insurance covers and the biggest benefits of pet insurance.
Why is pet insurance important in Washington DC?
Leptospirosis
Leptospirosis is a bacterial disease to watch out for if you have pets in Washington, D.C. The mix of city life and nature can make it a hotspot for this disease. Your pets, especially dogs, can pick it up from contaminated water or wildlife, both of which are pretty common in the area. Leptospirosis can be nasty, causing kidney and liver issues, and the kicker is that it can also infect humans.
Read moreHow Spot Plans Help Protect Your Pet
Prescription Medication for Covered Conditions
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
Rabies
Rabies is a significant concern for people in Washington, D.C. with pets due to the presence of raccoons and foxes, which can carry the disease. These urban wildlife species can sometimes come into contact with domestic pets, increasing the risk of rabies transmission. Rabies is a deadly viral infection that can be transmitted through bites or scratches from infected animals, posing a serious threat to both pets and humans.
Read moreHow Spot Plans Help Protect Your Pet
Infectious Disease
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 $2,610†
You Pay $390
Birds of Prey
Birds of prey, like as eagles and hawks, pose a threat to smaller pets, like small dogs or cats, especially when left unsupervised outdoors. It’s essential for pet parents to be aware of the potential risks. Keeping a watchful eye on your pets and not leaving them unattended in open spaces can help minimize the chances of an encounter with these formidable birds and ensure the safety of your beloved furry companion.
Read moreHow Spot Plans Help Protect Your Pet
Emergencies and 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 $1,395†
You Pay $255
Why Spot Plans?
Spot is made up of a team of pet-lovers and pet-parents who understand what goes into caring for a pet. That is why Spot plans offer customizable coverage options; allowing pet parents to choose their base plan, add-on, deductible, reimbursement rate, and annual limit. Create the plan that fits the needs of your pet as well as your budget!
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.
Washington DC Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Washington DC.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
How are My Pet Insurance Premiums Calculated?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
What Happens to My Pet Insurance if I Move?
If you move within your current state, you are able to adjust your address via the “Account Information” section in the Spot Customer Portal. You will also need to update your billing address there as well.
Note: your premium may change based on your new zip code.
If you are moving to a new state, please contact the Customer Service team at 1.800.905.1595. The Customer Service team will need to assist in updating your policy for your new state.
Do Plans Provided by Spot Have a Money-back Guarantee?
Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount. The 30-day money-back guarantee is available if no claims have been covered. It’s not available in NY or ME.
Does Pet Insurance Cover Spaying and Neutering?
Spot’s Platinum Preventive Care plan option reimburses up to $150 on spaying/neutering with no deductible. The Platinum Preventive Care plan is available as an add-on to your base level plan for $24.95/month and provides a total annual benefit of $450 in routine care allowance.
Base level plans provided by Spot do not cover spaying.
See the breakdown of what Spot’s Preventive Care plan options cover:https://Spotpetins.com/sample-policy/