Why Pet Insurance?

How to Submit a Pet Insurance Claim

As a pet parent, you strive to get your furry companion the best care possible when they fall sick or get injured. However, veterinary bills from unexpected accidents and illnesses can add up quickly, leaving you in a financial bind.

This is where pet insurance can come in handy, helping you get peace of mind and financial support when your pet needs medical attention. But how exactly do you submit a pet insurance claim? In this blog post, we will guide you through the process and highlight its importance and benefits.

If you are not a current policyholder but want more information on how pet insurance works or are curious about the customizable coverage options provided by Spot plans, check out our blog to learn more.

For additional guidance on frequently asked questions, please refer to the information provided below or the FAQ's page.

How to Submit My Claim with Spot Pet Insurance

Spot Pet Insurance makes submitting your claim quick and easy. Follow the steps below and receive your reimbursement in 7 days or less.

Step 1: Login Into Member Center Portal.

Step 2: On your home page or Claims page, tap ‘Start New Claim.’

A webpage displays an insurance dashboard with sections for "Recent Claims" and "My Pets" offering options to manage claims and pets.

Step 3: Select the pet you are filing for.

A website interface for submitting a pet insurance claim offers options to start or continue a claim and download a form.

Step 4: Select the conditions and services your pet was treated for and received, the name of your veterinary clinic, and fill out the relevant claim information.

A screenshot of an online form titled "Claim Information" for submitting a new claim.

Step 5: Upload your itemized invoice. Uploading your medical records is optional but can speed up the processing of your claim. On average, standard claims are process in 5-7 days business days, and preventive care claims take 2 business days.

The screenshot shows an "Upload Files" webpage section with options to upload an itemized invoice and optional medical records.

Step 6: Review your selections and make any necessary changes.

A reviewed pet insurance claim page with a checked declaration box at the bottom.

Step 7: Submit your claim. You will receive an email when your claim is received and when the claim has been processed.

Benefits of Submitting a Pet Insurance Claim

The benefits of submitting a pet insurance claim span from financial reimbursement to quality care for your pet and peace of mind for pet parents. By submitting a claim, you can provide your pet with the best possible medical care without worrying about the cost. This can help improve your pet's quality of life and increase their chances of recovery. Knowing you can submit a claim when needed can provide peace of mind and alleviate the financial burden of unexpected veterinary expenses. 

Understanding Your Pet Insurance Policy

Before submitting a claim, it's important to understand your pet insurance policy's coverage and limitations. Typically, pet insurance policies can cover accidents and illnesses but may exclude pre-existing conditions. Additionally, some policies may have waiting periods before coverage kicks in. Understanding these details will help you determine if your pet's medical expenses and conditions are covered and if it's worth submitting a claim.

Illustration of a document with a dollar sign and a red paperclip on a teal background.

Financial Assistance

Pet insurance helps alleviate the burden of unexpected or expensive veterinary bills.

Illustration of a syringe filled with red liquid beside a vial with a red and white label.

Quality Care for Your Pet

Pet insurance helps ensure your pet can receive eligible medical treatments promptly.

A teal human head silhouette with a red heart inside it against a light blue circular background.

Peace of Mind

Pet insurance covers eligible costs, reducing stress for you and your pet.


In conclusion, filing a pet insurance claim is important to help ensure that your furry friend can continue to get the best possible medical care with less worry about the financial burden. Submitting a claim not only provides financial reimbursement for eligible veterinary costs, but it can also help reduce stress and anxiety for both you and your pet.

By understanding the submission process and benefits of a pet insurance policy, you can make informed decisions that help prioritize the health and well-being of your beloved companion. So, don't hesitate to file a pet insurance claim when needed – it can make all the difference in your pet's quality of life. For a visual aid to this question, we encourage you to check out our how to submit a pet insurance claim video.

Frequently Asked Questions

How Long Do I Have to File a Claim?

You can submit a claim within 270 days from the date of treatment.

How Do I File a Claim?

Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.

Can I Cancel an Insurance Claim?

Yes. If you need to cancel your claim request for any reason, you can do so by calling the call center:  1.800.905.1595.

How Do I Appeal My Claim?

The number of days to appeal a claim varies by the state in which your policy was issued.

All requests to appeal your claim must be made in writing to us. Any submitted appeal should state clearly why you or your vet disagree with the initial determination and include supporting documentation.

To appeal your claim simply email your request and supporting documentation to service@customer.spotpetins.com.

Once your appeal has been received, you will receive an email confirmation. Note: Appeals may take around 30 days to be reviewed.

How Can I Find Out the Status of a Claim?

We’ll email you when we receive your claim, if we need more information, and when it’s complete. You can also check on the status of your claims anytime by clicking on the claims icon.

Should I Include My Pet’s Medical Records with a Claim?

If we do need medical records, we’ll contact your veterinarian directly, but it may speed up the process if you send them in with your claim.

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