Pet Insurance in West Virginia

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

Pet insurance can help you cover eligible medical expenses for your pets unexpected accidents and illnesses in return for a premium.

Around half of the people in the US own a dog, cat, or some kind of pet. We surely are fond of pets. But we see that more than half of these pet owners don’t have pet insurance. And then when a rainy day comes, sometimes the savings are gone and the pets care is compromised due to cost.

Almost all living organisms are prone to some or the other health conditions. And our pets are not immune to it. Diseases like canine distemper, hip dysplasia, heartworms, leptospirosis, external parasites, etc. for dogs and roundworms, rabies, campylobacteriosis, salmonellosis, cryptosporidiosis, and giardiasis, etc. for cats are a few examples that can affect our pets. And if these were not enough, there is always a chance for them getting injured or having an accident when we least expect it.

We try to take all the precautions and care to avoid sickness for us and our pets both, but we might not succeed all the time. So, we would want to make sure that if they fall sick, the best treatment is available to them. This is where pet insurance can help!

Why is pet insurance important in West Virginia?

Rabies

Rabies is a widespread disease in West Virginia, especially among cats. Rabies is a viral disease that affects the nerve pathways of the central nervous system and produces encephalitis in warm-blooded animals. All mammals are susceptible hosts for this virus. In West Virginia, raccoons represent the major wildlife reservoir of the rabies virus. Some symptoms of it can include paralysis of the legs, seizures, difficulty breathing, and hypersalivation. This disease is almost 100% fatal as there is no long term cure for it. Vaccination is strictly advised here.

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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:

(
$1,700
Vet Bill
-
$100
Deductible
)
X 90% Reimbursement Rate

Spot plan pays you back $1,440

You Pay $260

Canine Parvovirus

Typically seen in puppies around 6 to 20 weeks old, Canine Parvovirus, or CPV, is a highly contagious disease attacking cells that reproduce. It mainly spreads through the stools of infected dogs when other dogs sniff or lick it. Diarrhea, decreased appetite, vomiting, and weight loss are some symptoms that can show the presence of this virus. Doberman Pinschers and Rottweilers stand more prone to this virus. Although cats are relatively safe from the virus, they can still be carriers of it.

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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:

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

Spot plan pays you back $360

You Pay $140

Cold Weather

West Virginia is no stranger to cold weather, with winter temperatures often dropping to around 20 degrees. It’s important to take care to keep our pets safe during cold weather in West Virginia as it can put pets at risk or injuries or illnesses. The city of Morgantown actually makes it illegal for pet owners to keep pets outside for over 30 minutes if the temperature is below 32 degrees. Pets left outside or exposed to the colder weather are at risk of developing frostbite, hypothermia, and other life-threatening conditions. While walking your dog in cold temperatures, consider providing them with a sweater or jacket, and wipe down their paws once inside to help remove dangerous chemicals or irritants used to melt snow and ice.

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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?

We at Spot, believe in the comfort and convenience of our pet parent members. When we know that our pet parent members are sleeping peacefully because they have a Spot plan, that is when we consider ourselves successful.

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.

Which is the best insurance in WV?

For us, the definition of best pet insurance is the one that lets you sleep peacefully because you know your pet is covered.  We’ve given you the comparison chart to highlight our plan options vs. other provider’s plans. Now, we’ll let you decide which plan option you think is best for you and your furry friend.

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.

Does Pet Insurance Cover Exam Fees?

Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions. 

Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.

Can a vaccinated dog get rabies?

The chances are very low, but there is still a chance as the vaccine does not guarantee protection. If any signs or symptoms are seen, pet owners are advised to contact the vet immediately and get a booster dose.

What are the deadliest diseases for dogs?

Canine distemper, canine parvovirus, heartworms, Lyme disease, and rabies are some of the most fatal diseases in dogs. Cancer remains to be the number one among all.

Can I get rabies from a cat scratch?

It is unlikely but possible. If a cat has been licking its paws and the same paws then scratch you, you can be at risk of getting rabies from it.