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What is Pet Insurance for Dogs and Cats?
Pet insurance is a similar concept to insurance for us humans. Pet insurance helps cover medical expenses for our pets covered conditions. Pets have been providing us with physical and mental well-being for decades. We wouldn’t want anything unfortunate to affect their health, but if it happens, we should be prepared financially to help get them the best care. Learn more about what does pet insurance cover and how to choose the best pet insurance.
Vet bills for unexpected accidents and illnesses can sometimes go up to thousands of dollars. Being ready with pet insurance can help. We humans can’t control unfortunate happenings, but pet insurance can help protect your pet and your pocket.
Why is pet insurance important in Iowa?
Hornets, Wasps, and Bees
Iowa has a huge presence of insects like hornets, yellow jacket wasps, paper wasps, honeybees, etc. Getting stung by any one of these can be very dangerous for our pets as it can lead to several problems including gastrointestinal problems, shock, and even damage to internal organs in extreme cases.
Read moreHow Spot Plans Help Protect Your Pet
Insect Stings
Spot accident & illness plans can cover injuries and illnesses due to a sting from insects like bees, wasps, and hornets.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $540†
You Pay $160
Canine Infectious Respiratory Disease Complex
CIRDC is a highly contagious disease that can be caused by several different bacterial and viral pathogens. Coinfection by multiple pathogens is common. CIRDC can be diagnosed by a veterinarian through a physical examination, but clinical signs of CIRDC are generally mild and can resolve itself after about 1 week. If the dog develops bacterial pneumonia from the disease, it could be telling of an underlying Canine Distemper virus infection or other immunosuppressive disease.
Read moreHow 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:
Spot plan pays you back $1,710†
You Pay $290
Venomous Snakes
The state of Iowa is home to several both venomous and non-venomous snakes. The timber rattlesnake, massasauga, prairie rattlesnakes, etc. are some of the venomous ones found. It is rare that your pet will die in case of a snake bite from one of these, but it can definitely cause some damage. The symptoms of a venomous bite may include trembling, shaking, twitching of muscles, bloody urine, dilated pupils, and even paralysis.
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
Why Spot Plans?
We have been in the pet insurance market for a long time now and we understand some of the pains and pleasures a pet parent can go through which is why the plans we offer have extensive coverage options to help you when your pet needs it.
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.
Iowa Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Iowa.
Pet Insurance FAQs
Have questions about pet insurance 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.
Are there any Types of Incident or Lifetime Caps?
With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps.
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.
What should I look for when getting pet insurance?
There are certain features that you, as a pet parent should look for while selecting a pet insurance plan for your pet. These can include – the type of plans offered, price, benefits offered, claim reimbursement process, and an informative website, to name a few.
How Can I Find Out the Status of a Claim?
We’ll email you when we receive your claim, if we need more information, and when it’s complete. You can also check on the status of your claims anytime by clicking on the claims icon.
Is There a Waiting Period for Pet Insurance?
Yes, plans provided by Spot have a 14 day waiting period for coverage.