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What is Pet Insurance for Dogs and Cats?
Pet insurance is similar to the one for us humans. It works as a hedge towards eligible medical costs for your pets against a premium paid.
Owning pets can get expensive at times, especially when faced with expensive vet bills for unexpected accidents and illnesses. The vet bills could run into thousands
We, as mere humans, can’t control these unfortunate situations so much. But what we can control is our expense, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance. Know more about how pet insurance works and does pet insurance covers pre-existing conditions.
Why is pet insurance important in New Jersey?
Coyotes
The department of fish and wildlife in the state has estimated the Coyote population in the state to be around 4000-6000. Born killers with preying as their natural instincts, these destructive animals are very aggressive. Attacks often occur at night on cats left outside to wander and small dogs that are out in yards. Coyotes will also attack larger dogs they perceive as rivals during mating season. They can get into a fight with our pets and severely injure them. Moreover, the open wounds after the fight can become avenues for several bacteria and viruses to enter the skin and causes several diseases and internal organ damage in severe cases. Some of these Coyotes also carry rabies.
Read moreHow 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:
Spot plan pays you back $4,410†
You Pay $590
Porcupines
New Jersey is home to a lot of wild animals. But rarely does someone think of Porcupines in NJ. The barbed, loosely embedded hairs that that coat the skin is what comes to mind when we think about them. But these same quills are what injure our pets. A porcupine is very exciting for a dog because they're strange looking. But the quills can go into the skin and migrate. It can even go in the chest and cause some very serious problems. And NJ does have a population of these small animals.
Read moreHow Spot Plans Help Protect Your Pet
Surgery & Specialized Care
Spot plans cover surgery for covered conditions. Eligible care by a licensed specialist in the U.S. or Canada for covered conditions are also covered by Spot plans.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $6,210†
You Pay $790
Lyme Disease
The three most common tick species in New Jersey are the black-legged (deer tick), the lone star tick, and the American dog tick. Among the possible diseases and infections transmitted by these ticks, Lyme disease is the most common tick-borne disease in the state. Ticks typically live in dense woodland areas, forests, and tall grasses and can hitch a ride on us or our pets while out on a walk. Since their small size can make them go unnoticed, it’s important to be aware of some of the symptoms of tick-borne diseases which can include lethargy, fever or chills, headache, muscle or joint pains, and difficulty breathing. You should always check your pets for ticks when they come inside from a walk 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 are a pet and pet-parent-first organization. We believe in helping provide a smooth and hassle-free experience for our members, not just pet insurance. We sleep peacefully only when we know our pet parents are sleeping peacefully too.
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.
New Jersey Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of New Jersey.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Do You Have a List of Veterinarians I Have to Use?
You can visit any licensed veterinarian in the US or Canada, including eligible specialists and emergency care clinics.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
Does Spot Offer a Plan for Preventive Care Coverage?
Yes, you can add preventive care coverage to your policy for a little more cost. When you add preventive care coverage, you’ll be reimbursed up to the scheduled amount for things that help protect your pet from getting sick. You don’t have to satisfy your deductible before you can be reimbursed for preventive care coverage benefits, and there is no waiting period for them either. Find more information on preventative care coverage here.
Are there any Types of Incident or Lifetime Caps?
With accident & illness plans provided by Spot, there is no type of per incident limits or lifetime caps.
What should I look for when getting pet insurance?
There are certain features that you, as a pet parent should look for while selecting a pet insurance plan for your pet. These can include – the type of plans offered, price, benefits offered, claim reimbursement process, and an informative website, to name a few.
How are My Pet Insurance Premiums Calculated?
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.