Pet Insurance in North Dakota

  • 30-day money-back guarantee (available if no claims have been filed, not available in NY)
  • Coverage for microchip implantation
  • Accident and illness plans cover chronic conditions
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What is Pet Insurance for Dogs and Cats?

Pet insurance for dogs and cats works similar to the one we get us humans. It acts a way to help cover the eligible vet expenses which can occur due to unfortunate illnesses or accidents to your pet, in return for a premium.

Owning a pet can be a challenging job. It comes with its own responsibilities and expenses. Pets can fall sick or get injured at times. We want to get our pets the best care out there, but the vet bills can show big numbers at times. Pet insurance can help here. Despite the fear of vet visits for your pet, you have help sleeping like a baby because you have pet insurance.

Despite our love and affection for our pets, we can’t control the unfortunate circumstances. But what we can control is our finances, stress, anxiety, and night’s sleep towards those sad situations we might have to sail through by having a pet insurance plan.

Why is pet insurance important in North Dakota?

Extremely Cold Temperatures

With temperatures that can drop to 50 below zero, this state can pose a great threat to humans and pets alike. There are some pets, especially dog breeds like the Husky, German Shepherd, Shiba Inu, and Keeshond, that are bred for colder temperatures but others with short and thin coats are more vulnerable in colder climates. Some of these breeds include Great Dane, Poodle, Pug, Greyhound, and Shih Tzu. They can get frostbite and hypothermia. If left untreated, hypothermia can also result in cardiac and respiratory failure, brain damage, coma, and sometimes death.

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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:

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

Spot plan pays you back $1,710

You Pay $290

Venomous Snakes

This state has an abundance of venomous snakes like the Prairie Rattlesnake, found especially in the western parts. Even the most cautious of dogs can unsuspectingly wander upon a snake in the wild. Smaller dog breeds like the Pug, Shih Tzu, Chihuahua, etc. are at a higher risk of severe consequences of snake bites than bigger dog breeds due to their size. Cats are at an equally high risk. Delayed treatments can cause symptoms like seizures, paralysis, and even death.

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How Spot Plans Help Protect Your Pet

Poison Control Consultation Fees

Spot plans can cover the eligible cost of poison control consultation fees if your pet ingests unknown chemicals or gets bit by something poisonous.

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

Rabies

North Dakota has seen a number of confirmed Rabies cases across the state. This virus is preventable, but infected animals can transmit the disease through biting other animals. The virus attacks the nervous system and causes swelling of the brain. Rabies has no treatment and is almost always fatal. It is important to keep your pets up to date on their rabies vaccinations, especially because some states require this by law. Also, always keep your dog on a leash to help prevent encounters with wild animals that may be carrying the rabies virus.

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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:

(
$1,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $810

You Pay $190

Read more

Why Spot Plans?

We are in comfort and peace-providing business. We know we offer favorable plans for our pet parents when they can sleep peacefully knowing that their pets are insured with 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.

Why doesn’t pet insurance cover pre-existing conditions?

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.

How much is pet insurance in ND?

Based on internal data, Spot plans in North Dakota cost about $32 per month.* Some factors that affect your premium are the pet’s breed, age, and where you live. Other factors include the plan type, annual deductible amount, reimbursement percentage, and annual coverage limit amount. Spot plans have customizable plan options to help you pick the plan most affordable for you and your pet. 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 North Dakota for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

When I get a plan, does coverage start immediately?

Most insurance policies will have a waiting period before you can start receiving reimbursements on eligible vet bills. Spot plans have a waiting period of 14 days for accidents and illnesses. If you decide to purchase a preventive care coverage option, you are eligible for next day coverage.

Can I get insurance for my older cat?

Spot plans have no upper limit on the age for your pets to be eligible for coverage. Usually, the older the pet is, the higher the risk of them developing an illness or injury so Spot recommends you get pet insurance for your pet early on.

Is microchip covered by pet insurance?

Most providers don’t cover microchip implantation in the base plans they offer BUT Spot plans cover microchip implantation in all base plans. Know more about what does pet insurance cover.

Does my indoor pet need pet insurance?

Although indoor pets typically have lower chances of getting injured or sick, it is still possible for them to attract fleas, get infected by food, injured by banging into something, among other possibilities. Pet insurance can help you take care of those vet bills.