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What is Pet Insurance for Dogs and Cats?
Pet insurance helps cover eligible medical expenses for your pets’ unexpected accidents and illnesses. Depending on your plan configuration, you can receive up to 90% reimbursement for eligible vet bills.
Pets are good for our physical as well as mental well-being. They’ve been taking our care for a long time. We wouldn’t want anything unfortunate to affect their health, but if it happens, we ought to be prepared financially to help get them the best care. Learn more about how much pet insurance is and how to choose the best pet insurance option.
Diseases like canine distemper, hip dysplasia, heartworms, leptospirosis, external parasites, etc. for dogs and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, and giardiasis, etc. for cats are a few examples that can affect our pets. And if these are not enough, there is a chance for them to get injured or have an accident at any time. This is where pet insurance can help! Know more about whether I should get pet insurance.
Why is pet insurance important in Wisconsin?
Canine Brucellosis
Caused by the Brucella bacteria, Brucellosis primarily affects the reproductive organs of male and female dogs. Wisconsin has seen several cases of pets having this disease. Infertility in males and late abortions in females are some of the main consequences of it. Apart from that, it can cause testicular or scrotal inflammation in male dogs. Some major symptoms of it include vaginal discharge, swollen testicles, and inflammation of the skin around the scrotum. Infected fluids, especially during breeding or birth form the main avenues for spreading this disease. It can be a very difficult disease to diagnose. But once done, early treatment and regular follow-ups are recommended.
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
Snakes
The pets in the state of Wisconsin have been known to encounter venomous snakes on several occasions. Some venomous snakes in this state include coral snakes, water moccasins (cottonmouths), copperheads, and rattlesnakes. One of the best ways to prevent a venomous snake bite is by avoiding them. Keep your dog on a leash and stay alert at all times while walking through wooded or grassy areas. If your pet does get bitten by a snake, get them to a veterinarian as soon as possible even if you don’t think the snake was venomous. Pets that receive early and quick treatment can often make a recovery from a venomous snake bite.
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
Laryngeal Paralysis
This type of paralysis decays the fibers of motor nerves, which control muscle movements in dogs. This decay can lead to impaired muscle function around the larynx and restrict breathing. It is usually found in Labrador Retrievers in the state of Wisconsin. With this condition, dogs can have difficulty getting enough air into their lungs. Some symptoms of this disease are usually a deeper, hoarse, or raspy-sounding bark, followed by gagging and coughing while eating or drinking. The causes of the same are usually tumors or lesions in the neck or chest, trauma to the throat, or some hormonal disorders. It can be fatal if not treated early.
Read moreHow Spot Plans Help Protect Your Pet
Prescription Medications 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 $90†
You Pay $110
Why Spot Plans?
Our motto is Pet and pet parent first. We consider a good job done when our pet parent members sleep peacefully knowing that their pets have a Spot plan. We offer customizable and affordable plan options to help ensure all pet parents have access to coverage.
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.
Wisconsin Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Wisconsin.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Are there any Types of Incident or Lifetime Caps?
With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps.
What does dog insurance typically cover?
Generally, pet insurance covers eligible costs for diagnostics and treatments for unexpected injuries, accidents, and illnesses, like surgery, medication, tests/diagnostics, and emergency care. Spot plans also cover microchip implantation, exam fees for covered conditions, and prescription diets and supplements to treat covered conditions (Spot plans do not cover prescription diets or supplements for general health and weight maintenance. Learn more about what does pet insurance cover.
Why doesn’t pet insurance cover pre-existing conditions?
Plans provided by Spot do not cover pre-existing conditions.
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.
However, with 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.
Do you have to euthanize a dog with brucellosis?
The treatment can be quite expensive, especially without insurance. Even after treatment, there are chances of the organism being present in tissues, such as the prostate, uterus, lymph nodes, or spleen. In extreme cases, euthanizing may be a valid option.
Can a dog recover from Laryngeal paralysis?
The symptoms can be limited by medical treatments and especially with alternative therapies like acupuncture and acupressure, but it would be unlikely for dogs with Laryngeal paralysis to make a full recovery.