Pet Insurance in Illinois

  • Covered care from licensed specialists
  • Coverage for microchip implantation
  • Coverage for exam fees for covered conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a way to help cover your eligible expenses, which can occur due to unfortunate illnesses or accidents to your pet. It works similarly to the insurance we get for ourselves and our families.

Pets have been providing us with physical and mental well-being for decades. The cost of vet bills for accidents and illnesses can run into thousands of dollars at times. We love our pets, and we wouldn’t want to compromise on the care they may need.

Being ready with a backup, pet insurance can help here. We humans can’t control unfortunate happenings, but pet insurance can help protect your pet and your pocket.

Why is pet insurance important in Illinois?

Dogs

Not all dogs are calm and peaceful. There are some breeds that are very aggressive and can attack our pets due to their hunting and herding backgrounds. Illinois is a home for many aggressive breeds including Pitbull, Staffordshire, and Rottweilers. These dogs can make good pets, but when encountered by smaller dogs, aggressive ones may choose to fight and injure our pets.

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How 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:

(
$5,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $4,410

You Pay $590

Hot Weather

The state of Illinois is known to experience hot weather at times. If exposed to these high temperatures, our pets could be at risk of overheating. Some symptoms include vomiting, diarrhea, lethargy, dehydration, heat stroke, and seizures. Your pet could also collapse due to heat exhaustion if kept outside during such heat for a long time.

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How Spot Plans Help Protect Your Pet

IV Fluids & Medications

Spot plans cover IV fluids & medications to used treat covered conditions.

With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:

(
$500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $360

You Pay $140

Lyme Disease

Northwest Illinois is considered a high-risk area for infected ticks carrying the bacteria Borrelia burgdorferi, also known as Lyme disease. Ticks are usually found in tall grasses, brush, marshes, and wooded areas. The signs of Lyme disease can take months to develop and can be often mistaken for the flu or arthritis. Some common signs of Lyme disease in your pet can include lameness due to joint pain, fever, and loss of appetite. If left untreated, Lyme disease can lead to heart disease, neurologic disease, and kidney disease in your pets. You should contact your vet immediately if your pet is exhibiting any of these symptoms, or if you suspect they have been bitten by a tick.

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How 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:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

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Why Spot Plans?

We at Spot are in the business of helping our pet parents get peace of mind by knowing that their pets are covered. If you ask our members, they will vouch for the same.

Illinois residents should consider choosing Spot Pet Insurance for its comprehensive coverage and customizable plans, ensuring optimal protection for their pets. Unlike some insurance providers that offer a one-size-fits-all policy, Spot provides the flexibility to choose the best coverage for the pet's specific needs. This includes a range of options for deductibles, reimbursement percentages, and annual limits, making it easier for pet owners to find a plan that fits their budget while still providing substantial coverage.

Spot Pet Insurance also offers coverage for not just accidents and illnesses, but also for preventative care, which is often not covered by other insurance providers. This can include routine check-ups, vaccinations, and even dental cleanings. By covering these services, Spot helps pet owners in Illinois maintain their pets' health in the long run, potentially preventing serious illnesses down the line. In a state like Illinois, with its varying environmental factors and potential health risks, having an insurance provider that covers a wide range of health concerns can provide peace of mind and financial protection for pet owners.

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.

Illinois Pet Insurance Information by City

Find city-specific information about Pet Insurance in the state of Illinois.

Pet Insurance FAQs

Have questions about petinsurance and how it works? Let’s dig up an answer.

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 pet insurance for everyone?

Pet insurance can fetch you extensive coverage and help you save money when life throws unexpected lemons at our pets (which could be a covered accident!). You never know when your pet may need care, and pet insurance can help give you peace of mind.

Do You Have a List of Veterinarians I Have to Use?

You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics.

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.

Why do pet insurance premiums go up?

These necessary increases provide you the opportunity to get help offering your pet the best medical treatment options available for eligible conditions.

Additionally, your premium will be affected by your pet's age each year, as the risk for more costly claims grows higher. Spot strives to provide plans with coverage that continue well into your pet's old-age by not placing upper-age limitations on coverage or enrollments.

Your premium will not increase due to filing a claim.

How can I make my vet visits less expensive?

There are some options you can explore to find less expensive vet care, like looking for cheaper alternatives of prescriptions or comparing different vets, but one of the best methods is getting your pet insured. This way, you can rest easier knowing you have coverage for the unexpected. Also, by taking your pet to the vet for routine preventive care, you can help protect them against future conditions. Spot plans offer preventive care coverage at an additional cost to your plan.