Pet Insurance in Kentucky

  • Multi-pet discount
  • Accident and illness plans cover dental illnesses
  • Accident and illness plans cover hereditary and congenital conditions
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What is Pet Insurance for Dogs and Cats?

Pets are good for our physical as well as mental well-being. We wouldn’t want anything unfortunate to affect their health, but if it happens, we ought to be prepared financially to help get them the best care. Pet insurance helps cover the eligible vet bills from your pet’s unexpected accidents and illnesses.

There can arise some unfortunate times when our pets have an unexpected accident or illness. One of the best things to do is to be ready with a pet insurance plan. We, as mere humans, can’t control unfortunate happenings; pet insurance can help protect your pet and your pocket. Know more about whether I should get pet insurance.

Why is pet insurance important in Kentucky?

Saltwater Poisoning

With many bodies of water in Kentucky, our pets can end up ingesting saltwater unexpectedly when out for a walk or swim. Ingesting saltwater can lead to saltwater poisoning, and the pet could develop symptoms including weakness, diarrhea, muscle tremors, and seizures among others.

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How Spot Plans Help Protect Your Pet

Toxin Ingestion

Spot plans cover foreign objects and toxin ingestion that your pet may swallow unexpectedly.

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

(
$3,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,060

You Pay $440

Environmental Dermatitis

Grass, dander, pollen, wool, and dust mites are all allergens to pets. Chemicals used around the household in the lawns or parks where the pets usually go for walks can also cause several allergies. The reactions due to contact with any one of them can lead to severe itching, rashes, blisters, swelling, and redness. Kentucky is not immune to any of these allergens and has plenty of it. Certain skin disorders can be chronic and can live with your pet forever.

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How Spot Plans Help Protect Your Pet

Prescription Medications

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:

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

Spot plan pays you back $0

You Pay $100

Rocky Mountain Spotted Fever

Rocky Mountain Spotted fever is a disease that spreads primarily throughout the Midwest, Pacific Northwest, Eastern US, and parts of Canada. This disease is transmitted through various species of ticks carrying the infections disease Rickettsia rickettsia including the American Dog Tick and the Wood Tick. Some signs your dog may have RMSF include loss of appetite, muscle or joint pain, fever, stomach pains or cramps, vomiting or diarrhea, and swelling of the infected area. In severe cases, RMSF can lead to focal hemorrhages in the eyes and gums and neurological complications. Infection can occur within minutes, so it’s important you seek veterinary care immediately if you suspect your pet has been bitten by a tick. Always check your pets for ticks after a hike through a wooded area, or after they come in from playing outside in the grass.

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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

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Why Spot Plans?

Spot plans feature easy, paperless, online claims, direct deposit payment options, optional preventive care coverage for an extra cost, and a 30-day money-back guarantee if no covered claims have been filed (not available in NY); do we need to give more reasons? If yes, we have them! Learn more about what does pet insurance cover.

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.

Kentucky Pet Insurance Information by City

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

Pet Insurance FAQs

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

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.

Why doesn’t pet insurance cover pre-existing conditions?

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.

When does coverage start after I enroll?

Spot plans have a 14 day waiting period for accidents and illnesses.

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. 

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.

Should I get pet insurance or save money instead?

It’s hard to predict whether that surprise bill will be $500 or $5,000. Pet Insurance might not seem “worth it” until you’re one of the pet owners who have a surprise bill for an unexpected accident or illness. With a Spot plan, eligible vet bills for covered conditions will be reimbursed up to the specified rate, regardless of how much money you saved beforehand.