The last thing you may want to worry about when a pet becomes sick or injured is the cost of veterinary care. Pet insurance can help provide financial relief and peace of mind, but knowing how to submit a pet insurance claim can be crucial.
This step-by-step guide will walk you through the process of submitting your claim, helping you get your reimbursement for covered conditions faster.
How to Submit My Claim with Spot Pet Insurance
Spot Pet Insurance helps make submitting your claim quick and easy. Follow the steps below and receive your reimbursement for covered claims.
Step 1: Login Into Member Center Portal.
Step 2: On your home page or Claims page, tap ‘Start New Claim.’
Step 3: Select the pet you are filing for.
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.
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.
Step 6: Review your selections and make any necessary changes.
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
Financial Reimbursement
One of the most obvious benefits is getting reimbursed for eligible veterinary expenses. This can help reduce the financial burden that can result from your pet’s unexpected accidents or illnesses.
Quality Care for Your Pet
Knowing you have coverage can empower you to seek the best possible care for your pet without worrying as much about the cost. This can help lead to faster diagnosis, and better treatment options for your furry friend.
Peace of Mind
Pet insurance, and the ability to submit claims when needed, can help offer peace of mind. You can focus on your pet's well-being, knowing that you have financial support for their eligible healthcare costs.
Understanding Your Pet Insurance Policy
Coverage and Limitations
Before submitting a claim, review your policy to understand what's covered. Most policies can cover unexpected accidents and illnesses, but pre-existing conditions are often excluded. Some policies may also have waiting periods.
Claim Limits and Reimbursement
Policies typically have annual or per-incident limits on payouts. Understanding these limits helps you manage expectations about how much reimbursement you can receive.
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.
Financial Assistance
Pet insurance helps alleviate the burden of unexpected or expensive veterinary bills.
Quality Care for Your Pet
Pet insurance helps ensure your pet can receive eligible medical treatments promptly.
Peace of Mind
Pet insurance covers eligible costs, reducing stress for you and your pet.
Conclusion
Knowing how to submit a pet insurance claim is essential to help maximize the benefits of your policy. By following the step-by-step guide above and understanding the nuances of your policy, you can help ensure your pet gets the best possible care while minimizing your financial stress. You could also check out our how to submit a pet insurance claim video to learn more.
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.
