Pet Insurance in Pennsylvania

  • Multi-pet discount
  • 30-day money-back guarantee (available if no claims have been filed, not available in NY)
  • Coverage for microchip implantation
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What is Pet Insurance for Dogs and Cats?

Human health insurance or medical insurance helps cover the medical expenses a person may need. Pet insurance is similar for our pets. Pet insurance plans help cover the eligible vet expenses for accidents and illnesses if and when they arise for our pets.

Several risks can affect our pets through the air, food, water, injuries, etc. These can include canine distemper, influenza, heartworms, leptospirosis, external parasites, etc. for dogs, and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, giardiasis, etc. for cats. We would want to get them the best possible care when they need it, but the vet bills can show big numbers at times. This is where pet insurance could help. Learn more about how much pet insurance is and how to choose the best pet insurance option.

Why is pet insurance important in Pennsylvania ?

Arthritis

Arthritis and orthopedic conditions are common in the state of Pennsylvania as around 17% of the illnesses reported to the vets in the state are around these conditions. Cruciate ligament tears, knee injury, hip dysplasia, osteoarthritis, and lameness in the front or back legs are seen frequently as well in this state. These conditions can be chronic for some dogs. Larger dogs like the Great Dane, Saint Bernard, Labrador Retriever, and German Shepherd Dog, etc. have higher chances of getting these illnesses. The vet bills could also get very big at times in the treatment as many of them could need surgeries.

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How Spot Plans Help Protect Your Pet

Alternative Therapies

Spot plans cover alternative therapies for covered conditions.

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

(
$800
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $630

You Pay $170

Lumps and Lymphoma

Lymphoma is a common cancer in dogs, which is similar as non-Hodgkin’s lymphoma found in humans. There are more than 30 different types of known canine lymphomas, all of which vary in aggressiveness, survival rates, and clinical signs. We have not yet been able to find out the exact causes of it, but we do know some symptoms include lymph nodes becoming larger, lethargy, fever, anorexia, weakness, dehydration, diarrhea, and weight loss, among others. These can be chronic and fatal. Early detection and early treatment help improve the chances of recovery.

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How 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:

(
$7,000
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $6,210

You Pay $790

Raccoons

Residents of Pennsylvania are very familiar with the Racoon as they have been known to turn over garbage cans, topple bird feeders and ravage gardens in pursuit of food in the state. Raccoons like to take shelter in the warmth and safety of our homes and can enter them through structural holes, windows, and pet doors. Once inside, it may be hard for them to find their way back out. Raccoons can pose a threat to our pets due to the risk of attacks, and the risk of rabies. Although preventable, if your pet is not vaccinated and gets bitten by an animal that has rabies, it is almost always fatal. Also, rabies can be transmitted to humans too. Pet owners in Pennsylvania should take care to seal up their outdoor garbage cans, windows, and pet doors to help prevent raccoons from entering homes. If a raccoon does enter your home, contact animal control immediately to help excavate the animal. Do not use poison or other chemicals on raccoons in your home as they may be poisonous to your pets as well.

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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

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Why Spot Plans?

Spot has been a pet and pet-parent-first company since the start. For us, a good pet insurance policy helps the pet owners sleep peacefully at night, and we believe the plans we offer do that.

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.

Pennsylvania Pet Insurance Information by City

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

Pet Insurance FAQs

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

Do Plans Provided by Spot Have a Money-back Guarantee?

Plans provided by Spot offer a 30-day money-back guarantee, so feel free to take a look and see what a SPOT plan can do for you and your pet. If, within the first 30 days of your policy you wish to cancel, you can get a full refund of the premium amount.  The 30-day money-back guarantee is available if no claims have been covered.  It’s not available in NY or ME.

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.

How much does pet insurance cost in PA?

Based on internal data, Spot plans in Pennsylvania cost about $44 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 Pennsylvania for Accident Only and Accident & Illness plans for cats and dogs. Advertised cost is rounded to the nearest whole USD.

Can dogs survive Lymphoma?

The average survival time for dogs with this cancer is around 1 year, with treatment like chemotherapy. About 25% of dogs may live up to 2 years

How can I help my dog with arthritis?

Orthopedic beds, body massage, or alternative therapies like Acupuncture and Acupressure, water therapy, joint supplements, and exercise are some of the ways you can help your dog battle arthritis.

Is saltwater poisonous for dogs?

Even when our dogs consume small amounts of saltwater, it can cause diarrhea. When large amounts of saltwater are ingested, it can be fatal to them.