Pet Insurance in Maine

  • Multi-pet discount
  • Accident and illness plans cover chronic conditions
  • Coverage for exam fees for covered conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance helps you cover the cost of eligible vet bills due to your pet’s unfortunate accidents and illnesses. It works in a similar way to the insurance we get for ourselves and our families, and our pets are a part of our family too.

Pets are our companions in the good and the bad. We wouldn’t want anything unfortunate to affect their health. And in case something happens, it’s our responsibility to help get them the best care.

Our pets can fall sick due to unexpected accidents and illnesses, and the vet bills can run up to thousands of dollars at times. One of the best ways to prepare is with a pet insurance plan. We can’t control unfortunate happenings, but pet insurance can help protect your pet and your pocket.

Why is pet insurance important in Maine?

Giardiasis

Caused by a microscopic parasite called Giardia lamblia, Giardiasis is a disease of the small intestine. It is caused by ingesting contaminated water or food. It can happen in any state but with 6,000 lakes, 30,000 miles of rivers and streams, and 5,000 miles of coastline, Maine offers plenty of avenues for the bacteria to exist and our pets to ingest. It can also happen due to contact with the poop of an affected animal, playing in contaminated soil or any contaminated surface. The consequences can be diarrhea, gas, abdominal discomfort, nausea, and vomiting.

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How Spot Plans Help Protect Your Pet

Diagnostics & Treatments for covered conditions

Spot plans cover diagnostics & treatments for covered conditions.

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

(
$350
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $225

You Pay $125

Blue/Green Algae

Maine is home to plenty of freshwater lakes and ponds, which can attract dogs who love swimming. Many of these bodies of water 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 be rashes, nausea and vomiting, respiratory failure, seizures, and even death.

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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:

(
$3,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $2,610

You Pay $390

Browntail Moth (BTM)

The browntail moth is an invasive species found on the coast of Maine and Cape Cod. They have tiny poisonous hairs that can cause reactions similar to poison ivy on both humans and pets. Reactions can occur from both direct contact with the caterpillar, or from airborne hairs which can lead to respiratory distress. Humans generally have a higher risk of reactions to these hairs, but our pets are at risk too. The hairs have difficulty penetrating cats and dog’s thicker hair coats, but non-haired areas like abdomen, muzzle, and shaved utters are susceptible to be affected. You should check your pets for signs of these hairs when they come inside and wipe them down with a damp towel to help remove any toxic hairs.

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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

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Why Spot Plans?

Spot plans have a paperless, online claims process, and direct deposit payment options. Spot plans offer preventive care coverage options for an extra cost, and a 30-day money-back guarantee if no claims have been filed (not available in NY); these are a few perks of having a Spot plan.

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.

Pet Insurance FAQs

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

How much does pet insurance cost in Maine?

Based on Spot internal data, a Spot pet insurance plan in Maine can cost about $39 per month. Your premium price is determined by several factors including your pets age, breed, and where you live. Some other factors that impact your premium are the plan you choose, your deductible, your reimbursement percentage, and if you have included preventive care coverage or not. Click here to get a quote.

*Average cost is based on Spot internal data from June 2022 - January 2024 for active policies in the state of Maine for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Is pet insurance in ME worth it?

Around 40% of the homes in ME own a dog or a cat, but only a fraction has pet insurance for them. The costs of covering medical treatments to pets for unexpected injuries or chronic conditions can run very high at times. You will have to decide if you think it’s worth paying a nominal premium or paying potentially thousands at the vet.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age.  You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.

Is Maine dog friendly?

Maine has plenty dog owners and lovers. So, whenever you’re out for a walk or a hike with your dog, there are high chances you’ll bump into someone similar. There are also several Facebook groups you can join in for dog communities in Maine.

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.

Should I get pet insurance if my dog / cat is old?

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.