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What is Pet Insurance for Dogs and Cats?
Pet insurance is similar to the one for us humans. It can help cover the cost of eligible vet bills for your pets in return for a premium.
Pets have been our companions in the good and the bad for ages. We wouldn’t want anything unfortunate to affect their health, but in case something happens, it becomes our duty to help ensure they can get the best care and treatments.
Some accidents or illnesses can affect our pets at any time, and the vet bills for the treatments can run up to hundreds and thousands of dollars. We wouldn’t want to compromise on the care they need, and this is where pet insurance can help. Spot plans can cover up to 90% of your eligible vet bills, so you can worry less.
Why is pet insurance important in Maryland?
Pythiosis
Swamp cancer, as it is usually called, is a waterborne disease that is found in warmer climates with plenty of still water bodies. Maryland is defined as much by its waterways as by the geographic boundaries of its land. A fungal-like organism called Pythium insidiosum can develop in still waters, which is the cause of this disease. Your pet can be affected by it if water from unknown sources is ingested, or while swimming. It can lead to bloody diarrhea, vomiting, weight loss, fever, and palpable abdominal mass among other damages to the pet.
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
Distemper
Maryland would be incomplete without the mention of animals like foxes, coyotes, wolves, raccoons, skunks, and porcupines. These animals can spread a respiratory, gastrointestinal (GI), and nervous system disease called as Distemper. It can be prevented through vaccinations but in the absence of it, it poses a severe threat to our pets. Coughing and sneezing by affected animals and contaminated food bowls and water are the major carriers of the virus. The effects of it can be tremors, seizures, pneumonia, severe vomiting, diarrhea and even death.
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
Ticks
Ticks are a serious threat to our pets in Maryland. Ticks can invade outdoor recreation areas and our backyards and are often hard to detect due to their small size. Ticks can infect other animals too like racoons, skunks, and deer, and these wild animals can transmit the ticks right in your backyard. Some known ticks in Maryland include Blacklegged ticks and Brown dog ticks. These ticks can pass along parasites and infections to our pets which can cause some symptoms life muscle swelling, fever or chills, and difficulty breathing. You should always check your pet for ticks once they come inside from a roll around the grass or a hike.
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
Why Spot Plans?
We, at Spot, don’t believe in transactional relationships. We like developing a deeper connection with our pet parents because we care about you and your pet. Spot plans offer easy, paperless, online claims and direct deposit payment options, preventive care coverage for an extra cost, and a 30-day money-back guarantee if no claims have been filed (not available in NY), among many other benefits.
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.
Maryland Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Maryland.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Which is the best pet insurance in Maryland?
We have provided you with a comparison chart to compare the benefits of Spot plans against other providers plans. This is because we know the state and we are confident in the plans we offer. Now, we leave the decision to you.
Is pet insurance in MD worth it?
Around 52.3% of the homes in MD own a dog or a cat. For a state that has such a high number of pets along with potential threats for pets to encounter, the costs of covering medical treatments for unexpected injuries or illnesses can run very high at times. You will have to decide if you think it is worth paying a nominal premium or paying potentially thousands at the vet.
How are premiums calculated for my pet?
In general, your premium is based on your pet’s age, your pet’s breed, and where your pet lives. Some other factors that impact your premium are: the plan you choose, your deductible, your reimbursement percentage, if you have included preventative care coverage or not, and the discounts for which you are eligible.
How many pets are you allowed to own in Maryland?
There is no upper limit on the number of pets you can own in Maryland. It may differ in some cities though. This is where Spot plans multi-pet discount can help.
Is there an alternative to pet insurance?
Another option is to be self-insured (saving money). This means that you save a fraction of your income every month and keep it aside for your pet’s health. It could take a very long time to save a big amount and there is no timeline for when the pet will need treatments or care for accidents and illnesses.
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.