Pet Insurance in Indiana

  • Accident and illness plans cover hereditary and congenital conditions
  • Accident and illness plans cover dental illnesses
  • Coverage for exam fees for covered conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance is like the insurance we get for ourselves and our families. And pets are very well a part of our family. The vet bills can run huge at times, especially if some unfortunate accident happens to our four-legged babies. This is where pet insurance can help.

Pets have been providing us with physical and mental well-being for decades. We wouldn’t want any unfortunate accident or illness to affect their health, but if it does, we should be prepared financially to get them the best care. Know more about what does pet insurance cover and how does pet insurance work.

Pet insurance can help here. We humans can’t control unfortunate happenings so much, but pet insurance can help protect your pet and your pocket.

Why is pet insurance important in Indiana?

Leptospirosis

Leptospirosis is a highly dangerous and contagious bacteria that can kill pets. Streams, lakes and still waters are the places where these bacteria can spread rapidly, as it comes from the urine of rodents, and Indiana has tons of them. The consequences can be severe once encountered, which can include severe weakness, depression, stiffness, and severe muscle pain. It can also lead to the inability to have puppies.

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How 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:

(
$200
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $90

You Pay $110

Rabies

Indiana has many wild animals roaming around the state. These include bats, skunks, foxes, raccoons, and coyotes. These animals are at a high risk of having rabies. These wild animals can encounter our pets and transfer the disease. Rabies is almost always fatal. If your dog is not vaccinated, then the chances of death become very high. The worst part is it can spread throughout your human family once your pet gets it.

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How 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:

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

Spot plan pays you back $1,710

You Pay $290

Gray Foxes

Gray foxes are an increasing threat to our pets in Indiana due to their skills and speed. Gray foxes are native to Indiana and can be found mostly in the forested south-central hills region and woodland areas. These foxes have partially retractable claws allowing them to stay sharp enough to climb trees. The higher vantage point gives these predators an advantage on our pets, allowing them to pounce at a moment’s notice. Though a Gray fox’s primary diet consists of nuts, seeds, and small animals including rabbits, mice, and birds, they pose a threat to our pets if encountered. An attack between these foxes and our cat or dog can leave them seriously injured. When outside, pets should always be kept on a leash to reduce the risk of attacks.

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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

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Why Spot Plans?

We at Spot are in the peace-providing business for our pet parents by helping ensure they sleep peacefully, knowing their pets are covered. Choosing Spot Pet Insurance in Indiana for comprehensive coverage tailored to your dogs and cats. Benefit from customizable plans, prompt claims processing, and exceptional customer service, ensuring your pet's well-being and peace of mind in Hoosier State!

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.

Indiana Pet Insurance Information by City

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

Pet Insurance FAQs

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

Are pre-existing conditions covered by pet insurance?

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.

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. 

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 I Pay Vet Bills Up Front?

With pet insurance, you pay your vet bill as you normally would, and then you submit your claim to get reimbursed for eligible expenses, based on the parameters of your coverage.

Are vaccinations covered by pet insurance?

Base level plans provided by Spot do not cover vaccinations. To get reimbursed for certain routine vaccinations 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 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.