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What is Pet Insurance for Dogs and Cats?
Pet insurance is a way to help protect your pet against the cost of unexpected vet bills for accidents and illnesses. It is similar to the insurance we get for ourselves and our families, and pets are an integral part of our family. The vet bills can be huge when some unfortunate accident happens to our four-legged babies. This is where pet insurance can help. Despite the possible threats to your pet, you have help sleeping like a baby when you have pet insurance. Know more about does pet insurance cover vaccines and how does pet insurance work!
Life is unpredictable, and we know it. We, as mere humans, can’t control these circumstances. However, pet insurance can help protect your pet and your pocket.
Why is pet insurance important in Alaska?
Extreme Heat
Everyone likes a sunny day but to a limit. Anything in excess can be bad for health. Extra exposure to the sun can cause sunburns, heatstroke, lethargy, and even cancer. And this is not just for humans, but also for your pets like dogs and cats. Your dog can become a victim of overheating in the weather of Alaska, which is known for its extreme heat. The repercussions can be severe including excessive panting or difficulty breathing, increased heart and respiratory rate, drooling, weakness, seizures, diarrhea, a body temperature of over 104 degrees, or even collapse. Dogs can even get sunburned.
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 $1,710†
You Pay $290
Black Bears
Alaska is home to many different bear populations, including the Grizzly Bear. Alaska is home to about 100,000 Black Bears and 30,000 Brown Bears statewide. Although it might seem like a run-in with a bear is unlikely, our pets can prompt a bear attack if encountered. If your dog encounters a Black Bear, they could get into a fight and your dog could end up getting severely hurt. These injuries can lead to infections if not treated. While outside or exploring with your dog in Alaska, best practices include keeping your dog leashed with a close eye at all times.
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
Severe winter storms
From summer thunderstorms to winter storms, Alaska experiences it all. Blizzards, lightning, and thunderstorms can all occur here. Now, not every dog has a dense double coat that protects it from the cold. And even if some do, the temperatures in extreme winters can drop to -60.8°F, which can be pretty dangerous for your pets. It won’t just affect its mood but also lead to diseases like frostbite, hyperthermia, etc. And for dogs with pre-existing conditions like diabetes, heart disease, kidney disease, or hormonal imbalances, it can be very tough to tolerate colder temperatures. And how much we try to keep them inside, they may want to go out even during such climates, which then could lead to such unfortunate conditions.
Read moreHow Spot Plans Help Protect Your Pet
Hypothermia and Frostbite
Spot plans can cover hypothermia and frostbite that may happen to your pet in colder climates.
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
Why Spot Plans?
The benefits offered by Spot plans are exhaustive of the unfortunate accidents and illnesses that can inflict your pet in the state of Alaska. We have put ourselves in the shoes of the pet parents and identified how Spot plans can help.
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.
Alaska Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Alaska.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
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.
Can I Sign My Pet Up Anytime?
There’s no Open Enrollment period, you can buy and drop pet insurance at any time. Your pet must be at least 8 weeks old in order to enroll in a pet insurance plan from Spot.
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.
What Medical Records are Needed From My Veterinarian?
Medical records for your pet include doctor’s notes, laboratory results, and other documentation regarding any of your pet’s visits to the veterinarian. These notes are kept by your veterinarian and are not typically sent home with you. If you are filing a claim, you will need to submit the itemized invoice. Your veterinarian may also need to submit other medical records.
For additional information, please call to speak with a licensed insurance agent at 1.800.905.1595.
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.