Pet Insurance in Missouri

  • Accident & illness plans cover chronic conditions
  • Multi-Pet Discount
  • Coverage for Microchip Implantation
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What is Pet Insurance for Dogs and Cats?

Pet insurance can act as a safety net for the unfortunate accidents and illnesses that can happen to our pets. It acts similar to insurance for humans and helps cover eligible expenses in return for a premium.

We love our pets and wouldn’t want them to suffer from infections or diseases, but we can’t always protect them and they can end up falling sick. Some treatment costs can run up to hundreds and thousands of dollars at times.

As paw-rents, it is our duty to get out pets the best care when they need it. Compromising on treatment wouldn’t be an ideal option and this is where pet insurance can help. Pet insurance can help cover eligible vet expenses so that you can worry less about costs and more about care.

Why is pet insurance important in Missouri?

Birds of Prey

Common hawks in Missouri include the Red-Tailed Hawk, Red-Shouldered Hawk, Broad-Winged Hawk, and Rough-legged Hawk. The diet for local birds of prey, such as red-tailed hawks, includes small rodents. This makes dogs and cats of small size potential prey for them. These birds can try to attack our pets and leave them severely injured at times. Among these hawks, the red-tailed hawk is the most common in the state and has been known to prey on small dogs and cats.

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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:

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

Spot plan pays you back $3,060

You Pay $440

Leptospirosis

Leptospirosis is a common waterborne disease caused by the bacteria Leptospira. Missouri’s lakes, rivers, and ponds are what it boasts. These very same water bodies become feeding ground for bacteria like lepto. Dogs especially can contact these bacteria while swimming in any of these stagnant water bodies. Once affected, the signs can include Fever, muscle tenderness, shivering, vomiting, changes in urination, jaundice, and kidney failure. The chances of it being fatal are also quite high.

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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

Wildlife Encounters

Missouri is home to many types of wildlife, including coyotes, foxes, and snakes. Encounters with these animals can be dangerous for pets, particularly if they are not properly supervised or restrained. Pets should be monitored closely when spending time outdoors and should be kept on a leash or in a secure enclosure to help minimize the risk of wildlife encounters

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How 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:

(
$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?

Spot provides customizable plan options for our pet parents. We understand your various needs, and our plans help ensure that pet parents can get coverage for their pets at a price that works for them.

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.

Missouri Pet Insurance Information by City

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

Pet Insurance FAQs

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

Is it worth getting a pet insurance plan in MO?

We think pet owners should consider getting pet insurance for their pets. Even if you believe you have enough money to cover veterinary costs, pet insurance could still save you potentially thousands of dollars if your pet gets unexpectedly sick or injured. If you have multiple pets, your costs could add up considerably without pet insurance.

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.

How much does Spot pet insurance cover in MS?

With a Spot plan, you have the power to choose your reimbursement rate, annual deductible, and annual limit to best fit you and your pet’s needs.

Is Leptospirosis curable?

When treated early, Leptospirosis can be cured with antibiotics and supportive care. There are vaccines available that can help protect your dog for about 12 months from these bacteria. You can help protect your dog from this virus by limiting your dog’s contact with possible avenues of the bacteria like stagnant or unknown waters.

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.

What is not covered by most pet insurance providers?

You may find that some providers’ plans do not cover microchip implantation, examination fees for covered conditions, or alternative therapies for covered conditions. These are all covered in a Spot plan!