They Think We’re Pretty Cool:
Do I Pay Vet Bills Up Front?
Spot Pet Insurance plans reimburse pet parents for covered vet bills.
When you go to the vet, you should pay your vet bill as normal, then submit your claim to get reimbursed for the covered costs, based on the plan you chose.
How Long Do I Have to File a Claim?
Pet parents have 270 days from the day of treatment to submit a claim for reimbursement.
Should I Include My Pet’s Medical Records with a Claim?
Uploading your pet's medical records is optional, but it can help shorten the processing time for your claim. If your pet's medical records are not uploaded, our team will reach out to your vet directly to get them.
What Medical Records are Needed From My Veterinarian?
Medical records for your pet include doctor’s notes, laboratory results, and other documentation regarding any of your pet’s visits to the veterinarian. These notes are kept by your veterinarian and are not typically sent home with you. If you are filing a claim, you will need to submit the itemized invoice. Your veterinarian may also need to submit other medical records.
For additional information, please call to speak with a licensed insurance agent at 1.800.905.1595.
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 in the member center or in your Spot Pet Insurance app.
How Do I Appeal My Claim?
To appeal your claim, simply email your request and supporting documentation to service@customer.spotpetins.com.
All requests to appeal your claim should be sent to our team in writing and must clearly state why you or your vet disagrees with the initial determination. Make sure to include any supporting documentation with your claim appeal.
Once your appeal has been received, you will receive an email confirmation. Please note: Appeals can take around 30 days to be reviewed.
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.
Happy Pet Parents Trust Spot
Good insurance company that's fast to process claims
Spot Pet Insurance has decent rates and is quick to process my claims and provide payout once I've met the deductible. I appreciate that they have an option to cover everything--including regular routine visits--so they can also be applied to the deductible. I'm glad to know my pets are covered.
Easy to file claim online
Easy to file claim online. Quick processing of refund from Spot
First time using Spot
First time using Spot, and I'm pleased by the response. Filing online was easy, and form upload was very straightforward. The claim took 2-3 weeks to process, and I received email notification that the claim had been approved and that a check was in the mail. (Yes, a real, paper check.) After paying the deductible, my cat's ER visit was less than $200. Here's hoping I won't need it again, but cats ARE cats.
Stress Reliever
The insurance is made to do exactly what is meant. Having this insurance really helped when Dior unexpectedly got sick. I'm so glad I purchased it because it allowed me to not feel stress over getting her the help she needs.
It was very easy and convenient to…
It was very easy and convenient to submit a claim. I was kept informed while my claim was being processed. My claim and refund was processed in a timely manner.
Spot is a reliable pet insurance…
Spot is a reliable pet insurance company. My pet had a serious illness and was taken to a veterinary hospital, where the bill totaled $2,000. I filed a claim online the next day. Within two weeks, I was reimbursed for the expenses, minus a $250 deductible. I recommend Spot insurance.
I’ve never had an issue with spot pet…
I’ve never had an issue with spot pet insurance since I’ve had them
I had back-to-back problems with my…
I had back-to-back problems with my dog, they gave me zero problems and were great
A little slower than I thought with…
A little slower than I thought with processing but very satisfied
Ive use you guys and always been great with claims and getting a check without any hassle
Ive use you guys and always beengreat
