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
Helped us out when our beloved dog got…
Helped us out when our beloved dog got hurt! Quick to apply, and not too long on the payment.
Bailey’s first visit.
We took Bailey in for his first visit for a wellness check. The staff was wonderful to us and Bailey. We appreciated the kindness and patience of everyone. They made us feel welcome and comfortable.
Easy process for a claim
Easy process for a claim. You get paid so quickly and the App is so easy to use!
Wonderful thank you
Wonderful thank you
Great experience
Great experience. Filed a claim online and within 3 days the money was deposited into my bank account. Took a picture of my invoice from the vet and included with my claim.
I don't have enough experience with SPOT yet...
I don't have enough experience with SPOT yet to give a full open and honest review. But my limited 2 claims for my cats were extremely easy to submit and reimbursement was quick. Getting ready to submit a claim on my boxer and have no doubt it will be handled just as quick. Also, I switched to SPOT because insuring 2 cats and a dog was less than my former pet insurance company for just my dog....considerably more affordable.
Good insurance
Spot is easy to work with and send in your claim after your pet visit. The refund usually says 3-7 days but you usually get it faster and very quick and easy refund. Spot is a bit pricy for 3 cats but it’s so worth it in emergencies it’s so much better than other pet insurances I’ve tried before
Web site easy to use to file a claim.
Web site easy to use to file a claim.
Making a claim is so quick and easy
Making a claim is so quick and easy! Reimbursement is quick as well. Website is awesome!
Quick and easy
It is so easy to upload a bill and takes very little time to get a payment.
