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
It was very quick and easy to file a…
It was very quick and easy to file a claim for our dog. I also like that Spot is the one who contacted the vet for the info they needed, instead of me trying to figure out if I got everything.
They easy to work with
They easy to work with, the claim is easy to filled out
Super Quick Claim
I made a claim and it went through very quick with all the details of the claim.
Grateful!
Spot has taken the stress away from providing my dog with good care. The process is straight forward. Reimbursement turn around time is good.
I have used a number of pet insurances…
I have used a number of pet insurances in the past and none of them were as good as Spot insurance. So far, I have had nothing but good experiences. They paid the claims fairly fast and seemed to be very honest. And make the process as easy as possible.
Our claims have been promptly taken…
Our claims have been promptly taken care of. Kurt farris
The best insurance
Always processes my claims on a reasonable time. It is so reassuring that spot will have my back whenever my pets get sick and in an emergency. I have recommended spot to 4 other people that needed insurance and they like it too. The price is incredibly reasonable as well.
Great and quick service!
Great and quick service!
Makes the claim process easy and fair.
Makes the claim process easy and fair.
Paws Above the Rest!
I’ve had different pet insurers over the years but kept switching because one thing or another didn’t agree with me. Spot is paws above them all. I did a lot of research when I decided to switch plans a few years ago and chose Spot after speaking with them. They had no problem covering my old timers, which is rare. In terms of policies, premiums, coverage and customer service, I’ve never been happier.
