Pet Insurance in Minnesota

  • Coverage for Microchip Implantation
  • Multi-Pet Discount
  • 30-Day Money-back guarantee (available if no claims have been filed, not available in NY)
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What is Pet Insurance for Dogs and Cats?

Pet insurance is a form of insurance that can help pay for eligible veterinary treatment for ill or injured pets in return for a premium. It works similar as insurance for us humans.

The US is a pet-loving country with over 50% of households owning a pet. We wouldn’t want anything unfortunate to affect the health of our pets, but our pets can end up getting sick or injured at times. The treatment costs can run up to hundreds and thousands of dollars.

It’s our duty to get them the care they need when they need it. This is where pet insurance can help. Pet insurance can reimburse the eligible vet expenses for you so that you can worry less about the costs.

Why is pet insurance important in Minnesota?

Black Bears

One of the iconic species of Minnesota is the Black Bear. They usually live in forests, swamps, and other areas but can wander in urban areas for food at times. Bears follow their prey and usually it ends up being dogs or cats. Fast movements of dogs around these predators can trigger pursuit and they can end up injuring our pets severely or even killing them in some cases. Dogs are usually not afraid of bears and end up barking or chasing bears, which might lead to the bears going in self-defense mode and attacking at times.

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How Spot Plans Help Protect Your Pet

Orthopedic Injuries

Spot plans cover accidents and injuries like broken bones or fractures that may result from an encounter with a wild animal.

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

(
$4,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $3,960

You Pay $540

Blue or Green Algae

Freshwater lakes and ponds invite dogs for a swim given their love for swimming. And Minnesota is home to 14,380 lakes. These lakes also become avenues for the formation of blue or green algae which when consumed or contacted by our pets, can turn out to be very toxic and threatening to them. They can affect the skin, gastro-intestinal tract, liver, and central nervous system leading to organ damage as well.

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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:

(
$2,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,710

You Pay $290

Cold Weather

Minnesota typically has very cold winters, and pets can be at risk of hypothermia, frostbite, and other cold-related injuries like exposure to harmful chemicals and salt used to melt snow and ice, and dehydration. If you suspect your pet is suffering from hypothermia or frostbite, seek veterinary care immediately.

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How 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:

(
$1,500
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,260

You Pay $240

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Why Spot Plans?

We believe in providing tailored and customizable plan options to fit the needs of the pet parents. Plans provided by Spot can help ensure that pet parents get the benefits they need with minimal stress when their pets are sick.

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.

Is dog insurance in MN worth it?

For a state that has poses a number of threats to our pets, the costs of covering medical treatments for unexpected injuries or illnesses can run high at times. You will have to decide if you think it is worth paying a premium or risk potentially paying thousands at the vet.

Which pet insurance in Minnesota covers pre-existing conditions?

Most pet insurance plans don’t cover pre-existing conditions. However, with a Spot plan, 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.

Which is the best pet insurance in MN?

Spot plans offer customizable coverage options and flexible premium options which can help take care of your eligible vet bills. 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.

How much is pet insurance in MN?

According to Spot data, the average cost of pet insurance in Minnesota is about $39 per month. 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. 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 Minnesota for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Do Spot plans have annual limits?

With some other providers, you will find plans with annual or per incident limits of $10,000 - $20,000. Plans provided by Spot have customizable plan options with an annual limit option if you choose.

How can I make my vet visits less expensive?

There are some options you can explore to find less expensive vet care, like looking for cheaper alternatives of prescriptions or comparing different vets, but one of the best methods is getting your pet insured. This way, you can rest easier knowing you have coverage for the unexpected. Also, by taking your pet to the vet for routine preventive care, you can help protect them against future conditions. Spot plans offer preventive care coverage at an additional cost to your plan.