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What is Pet Insurance for Dogs and Cats?
We get insurance for ourselves and our families. Pets are part of our families, and we should get insurance for them too. Spot Pet offers top-ranked insurance plans for dogs and cats in the state of California.
Vet bills can be huge when our four-legged babies get hurt or sick. This is where pet insurance can help.
Life is unpredictable, and we know it. Sometimes we’re dealt with unfortunate circumstances that can’t be prevented. However, pet insurance can help protect your pet and your pocket. Learn more about how does pet insurance work and what does pet insurance cover with us!
Why is pet insurance important in California?
Coyotes
These smaller cousins of wolves have become a major threat to our pet friends, dogs, and cats in recent times. They attack dogs out of pure aggression and not for defense. Our dogs and coyotes can hence end up in a fight and may get severely injured. Your pets might be safe with you inside your house but at times when left off-leash, a sudden coyote attack may be possible, especially if it is a small dog or a cat. And California has a presence of coyotes almost across the state, from deserts to mountains and to urban areas as well. As pet lovers, we can’t even imagine a pet owner going through this.
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
Venomous Creatures
California is home to many species of venomous and stinging animals, including rattlesnakes, wasps, bees, spiders, and scorpions. And there are many dogs who, in their curiosity to interact with these animals, might end up being stung by some. This can very quickly escalate into a life-threatening situation. The encounter may also happen while you’ve taken your buddy to trips along with you. We would just want your pet to get a vet treatment as soon as possible, if bitten.
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
Water Woes
California offers hundreds of beaches to choose from for having a nice sunbath or diving in the waters on a warm sunny day. And it might be a good idea to take your dog along as well for him to have a pleasant beach walk followed by a dip in the ocean. But remember, not all dogs are swimmers. Your pet might end up ingesting large amounts of sea water which can lead to salt poisoning and vomiting causing some neurological symptoms. We don’t want your pets to run into serious problems.
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 $1,260†
You Pay $240
Why is Pet insurance important in California?
These smaller cousins of wolves have become a major threat to our pet friends, dogs, and cats in recent times. They attack dogs out of pure aggression and not for defense. Our dogs and coyotes can hence end up in a fight and may get severely injured. Your pets might be safe with you inside your house, but at times when left off-leash, a sudden coyote attack may be possible, especially if it is a small dog or a cat. And California has a presence of coyotes almost across the state, from deserts to mountains and to urban areas as well. As pet lovers, we can’t even imagine a pet owner going through this.
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.
California Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of California.
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.
Does Spot Pet Insurance plans work only in California?
Spot Pet insurance plans cover eligible vet care for covered conditions in all 50 states of the US.
What if I’m Not Sure About My Pet’s Age?
If you do not know the exact date of birth of your pet, please use your best estimate based on your pet’s medical records or shelter/rescue documentation. Your pet’s correct age may be validated when reviewing your pet’s medical records.
Is There a Waiting Period for Pet Insurance?
Yes, plans provided by Spot have a 14 day waiting period for coverage.
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.
Are there Any Age Limits?
You can enroll your pet in a plan provided from Spot once your pet is 8 weeks old or older. There is no upper age limit for coverage or enrollments.