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What is Pet Insurance for Dogs and Cats?
Pet insurance is just like the insurance we get for ourselves and our families. Pets are very well a part of our families, and we should get insurance for them too. The vet bills be huge when unexpected accidents or illnesses inflict our four-legged babies. This is where pet insurance can help. Despite the many possible threats to your pet, you have help sleeping like a baby when you have pet insurance. Know more about how pet insurance works and does pet insurance cover saying and neutering.
We, as mere humans, can’t control life’s unpredictable surprises. However, pet insurance can help protect your pet and your pocket. Know more about is pet insurance
Why is pet insurance important in Alabama?
Heartworm Infections
Alabama is known for having a high population of mosquitoes. Heartworms release microfilariae, its offspring, in the infected dog’s bloodstream. Then, when a mosquito bites the dog, it becomes a carrier which can then transfer the infection to numerous other dogs. This heartworm disease is a severe one that can lead to lung disease, heart failure, other organ damage, and even death in dogs and cats. You would not want this to happen to your buddy.
Read moreHow Spot Plans Help Protect Your Pet
Diseases from Parasites
Spot accident & illness plans can cover eligible illnesses and diseases resulting from parasites.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,260†
You Pay $240
Dental Disease
Many dogs will have some sign of dental disease. A build-up of plaque and tartar on the teeth is a main reason for such diseases. These can lead to gum infections, bone loss, loss of teeth and other serious health problems. Breeds such as Pugs, Chihuahuas, Dachshunds, Boxers, Yorkies, etc. are more prone to this, and the population of these breeds in Alabama is significant. Do not think that dental diseases are mild and can be solved with regular brushing. In some cases, surgeries may be involved in the treatment along with heavy medication as the results of these diseases can be heart and liver problems as well.
Read moreHow Spot Plans Help Protect Your Pet
Dental Illnesses & Gum Disease
Spot accident & illness plans cover dental illnesses like Gingivitis, and tooth extractions for dental accidents.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $990†
You Pay $210
Marijuana Poisoning
Alabama, as a state, has legalized medical cannabis. This means that the availability of marijuana is easier to access. This again means that your pets can encounter weeds and stems at times and might end up swallowing them. It is important to know that it does not give the same effects to them as us humans and it is very toxic to them. If ingested or inhaled, it can lead to glassy eyes, stumbling and incoordination, dilated pupils, vomiting, and even coma. Keeping your dog or cat away from it is very important.
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 $360†
You Pay $140
Why Spot Plans?
The benefits offered by Spot plans are exhaustive of unexpected accidents and illnesses that can happen to your pet in the state of Alabama. We have done our study of Alabama and have identified some of the risks of being a pet owner in the state. By putting ourselves in the shoes of a paw-rent, we’ve identified how Spot plans can help. For us, it is always going to be Pet First!
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.
Alabama Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Alabama.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
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.
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/
Is There a Waiting Period for Pet Insurance?
Yes, plans provided by Spot have a 14 day waiting period for coverage.
How Does Pet Insurance Work?
Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual!
When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.
DEDUCTIBLES
Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start.
PAYOUTS
You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.
PREMIUMS
This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today.
WAITING PERIODS
There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.
There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here.
PRE-EXISTING CONDITIONS
Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition. Pet Insurance plans provided by Spot do not cover pre-existing conditions.
Visit our dog insurance and cat insurance pages for more information about plans.
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.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.