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What is Pet Insurance for Dogs and Cats?
The concept of pet insurance is similar to health insurance for us humans. Pet insurance can help cover the costs of expenses for accidents and illnesses that can happen to your pet. Learn more about what does pet insurance cover.
Pets provide us with physical and mental well-being. 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.
The medical costs for our pet's accidents and illnesses can go up to thousands of dollars. Being ready with pet insurance can help here. We may not be able to control the occurrence of these unexpected situations, but we can definitely control our financial preparedness by getting a pet insurance plan. Learn more about if pet insurance covers spaying and neutering and does pet insurance covers dental.
Why is pet insurance important in Kansas?
Cold Weather
Kansas City’s average snowfall for each year is 18.2 inches. There are a lot of snowfall fans but not necessarily our four-legged friends. The snow-melting methods that are commonly used can be very harmful to our pets. Rock salt for example can shoot up sodium levels heavily in them, magnesium chloride, calcium chloride, or potassium chloride can cause problems like skin irritation, eyes, nose, and lung burning, and nausea if ingested. Apart from this, there is always a chance of hypothermia. Severe cases can lead to cardiac and respiratory failure, brain damage, coma, and sometimes death.
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 $1,710†
You Pay $290
External Parasites
Fleas and ticks are present almost everywhere on the planet and Kansas is no exception. They are responsible for relentless itching in cats and dogs. This can cause allergies, inflammations, and other diseases. Flea saliva can also pose a severe threat to our pets, especially when it comes in contact with exposed skin. It can even damage some internal organs.
Read moreHow 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:
Spot plan pays you back $360†
You Pay $140
Pesticides or Fertilizers
Kansas is home to many grassy areas and favorable summer temperatures for the residents there. The summers average 81 degrees around July and make the perfect temperature for homeowners to maintain their yards and gardens. This weather can also be enjoyed by our pets, but it’s our job to make sure we are keeping them safe while they take advantage of the warmer weather. Some fertilizers and pesticides can be harmful to our pets if ingested. Furthermore, you should take care to bathe your dog after rolling around in the grass to remove any harmful chemicals from their skin or fur and help prevent these chemicals from getting into your home. Bathing your pet also allows you to check for ticks!
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 believe in helping provide peace of mind and ease of claiming to our pet parents. Spot plans offer customizable coverage options so you can pick the plan that’s best for you and your pet.
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.
Kansas Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Kansas.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
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.
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.
When I get a plan, does coverage start immediately?
Most insurance policies will have a waiting period before you can start receiving reimbursements on eligible vet bills. Spot plans have a waiting period of 14 days for accidents and illnesses. If you decide to purchase a preventive care coverage option, you are eligible for next day coverage.
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.
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.
What should you not do with your dog?
The following are a few things to avoid – Allowing them to run with a stick in their mouth, giving ice to your dog to play with or eat, giving them alcohol, and having them uninsured.