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What is Pet Insurance for Dogs and Cats?
Pet insurance can act as a safety net for unfortunate accidents and illnesses that can happen to our pets. It’s like an insurance for us humans, and pets are a part of our families too.
Pets have been our companions in all the good and bad for ages, and we have developed a special connection with them. We wouldn’t want anything unfortunate to affect their health. In case something does happen, we ought to be prepared financially to help get them the best care. Learn more about what does pet insurance cover.
Our pets can fall prey to certain illnesses or accidents, and the vet bills can show multiple 0s at times. One of the best things to do is be prepared with a pet insurance plan. We, as mere humans, can’t control unfortunate happenings. However, pet insurance can help protect your pet and your pocket. Learn more about how does pet insurance work.
Why is pet insurance important in Louisiana?
Blue/Green Algae
Louisiana, which is home to plenty of freshwater lakes and ponds, attracts a lot of dogs who love swimming. But most of them have a dense build-up of blue-green algae. These algae can produce very harmful toxins which can affect our pets severely. The consequences of contact with such algae on dogs and cats can include rashes, nausea and vomiting, respiratory failure, seizures, and even death.
Read moreHow 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:
Spot plan pays you back $3,060†
You Pay $440
Pythiosis
Also called ‘swamp cancer, this disease is a waterborne one that is found in warmer climates with plenty of standing water. Louisiana, LA, is one such state. A fungal-like organism called Pythium insidiosum is the cause of this disease, which can lead to very severe outcomes once affected. Your pet can become prone to this disease if water from unknown sources is ingested, or while swimming. The effects can be bloody diarrhea, vomiting, weight loss, fever, and palpable abdominal mass among others.
Read moreHow Spot Plans Help Protect Your Pet
Emergencies & Hospitalizations
Spot plans cover the eligible costs of emergency care for accidents and illnesses that may happen unexpectedly to your pet.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $1,260†
You Pay $240
Kissing Bugs (Chagas Disease)
The Gulf state of Louisiana is home to Chagas disease, an infectious disease found in many different species of kissing bugs (triatomine bugs). All mammals are thought to be susceptible to infection from this disease, but dogs are at major risk of developing this disease and infecting others. This disease is commonly mistaken for heartworm disease due to their symptoms and risk of affecting a similar population of dogs. Changas disease is often transmitted to dogs orally, usually by consumption of kissing bug feces. Some signs your dog may have this disease can include diarrhea, lethargy, tics or seizures and difficulty walking. If left untreated, this disease could cause congestive heart failure and tachycardia.
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
Why Spot Plans?
Spot plans offer 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 more. Know more about pet insurance reviews and top pet insurance FAQs you need to know.
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.
Louisiana Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Louisiana.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
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.
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.
Can I get pet insurance for my older dog?
Better late than never is what we think about pet insurance! Older pets can have higher vet bills as they are more prone to accidents and illnesses as they age. A Spot plan can help you cover eligible vet bills for covered conditions.
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 does dog insurance typically cover?
Generally, pet insurance covers eligible costs for diagnostics and treatments for unexpected injuries, accidents, and illnesses, like surgery, medication, tests/diagnostics, and emergency care. Spot plans also cover microchip implantation, exam fees for covered conditions, and prescription diets and supplements to treat covered conditions (Spot plans do not cover prescription diets or supplements for general health and weight maintenance. Learn more about what does pet insurance cover.