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What is Pet Insurance for Dogs and Cats?
Pet insurance for dogs and cats is similar to insurance for us humans. The way insurance helps us pay our eligible medical bills in a time of need; pet insurance helps pay eligible vet bills when our pet friends fall sick or are injured.
Dogs and cats can fall sick or have accidents, just like humans. These include canine distemper, influenza, heartworms, leptospirosis, external parasites, etc. for dogs and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, giardiasis, etc. for cats. Treatments can be very costly at times, and we want to get our pets the best possible care. Pet insurance can help here. Despite the fear of vet visits for your pet, you have help sleeping like a baby if you have pet insurance. Learn more about how much pet insurance is and how to choose the best pet insurance option.
Why is pet insurance important in Ohio?
Campylobacteriosis
Similar to Giardiasis in dogs, campylobacteriosis is a disease in cats usually spread by the infected feces of another cat. Although not very common, the state of Ohio seems to have seen several cases of it. The bacteria which cause the disease can typically be found in the gastrointestinal tract of even the healthiest mammals. This gets shed through feces. It can also spread from drinking contaminated water. Some of the symptoms include fever, vomiting, tenesmus, and anorexia. It can get quite severe if not addressed on time.
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
Fleas and Ticks
Every year, the state of Ohio experiences an increase in flea and tick-borne diseases, typically during March through December. Fleas can actually spend their winters indoors, using our pets as hosts to survive the colder weather and certain ticks can become active when the temperature drops to around 40 degrees. It’s important that pet owners in Ohio take proper precautions to help prevent our pets from bringing ticks and fleas into homes from outside. Fleas and ticks can easily spread diseases and illnesses with some symptoms of fleas including itchiness and hair loss around the affected areas. For tick-borne illnesses, some symptoms can include fever or chills, lethargy, and difficulty walking. You should always check your pets for fleas or ticks after they come inside from playing outdoors, or after a hike with your dog.
Read moreHow Spot Plans Help Protect Your Pet
Prescription Medications for Covered Conditions
Spot plans cover prescription medications prescribed by a licensed vet to treat covered conditions.
With a , you could get reimbursed up to 90% of eligible bills after your annual deductible is met:
Spot plan pays you back $0†
You Pay $100
Giardiasis
Mainly present in contaminated waters, ingestion of an organism called Giardia can lead to vomiting and diarrhea among other symptoms. These make around 32% of the vet visits for dogs in the state of Ohio. Getting in contact with infected poop or urine from another pet, contaminated soil, contaminated surfaces, and drinking unknown contaminated waters are some of the main reasons for the spread of this disease. It can also lead to stomach cramps, pain, upset stomach, and nausea.
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
Why Spot Plans?
Our motto is Pet and pet parents first. We strive to help provide comfort to our pet parents and consider a good job done when they sleep peacefully, knowing that their pets have a Spot plan. Get your facts here about is Pet Insurance Worth It.
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.
Ohio Pet Insurance Information by City
Find city-specific information about Pet Insurance in the state of Ohio.
Pet Insurance FAQs
Have questions about pet insurance and how it works? Let’s dig up an answer.
Are pre-existing conditions covered by pet insurance?
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.
Is pet insurance for everyone?
Pet insurance can fetch you extensive coverage and help you save money when life throws unexpected lemons at our pets (which could be a covered accident!). You never know when your pet may need care, and pet insurance can help give you peace of mind.
How much does pet insurance in Ohio cost?
Based on internal data, Spot plans in Ohio cost about $39 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 Ohio for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.
Can I get pet insurance for my older dog?
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.
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 cat need insurance?
Although indoor cats 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, etc. Pet insurance can help you take care of those eligible vet bills.