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
Filing a claim is easy
Filing a claim is easy, and reimbursement was fast!
They are always professional and timely…
They are always professional and timely when we have a claim filed.
Spot is spot on
Spot is honest & very helpful. We had expenses we did not expect- appreciate the help with submitting claims and timely payments .
This is my first experience with pet…
This is my first experience with pet insurance and Spot has been very easy to work with and process claims. I have called customer service as well and they were very helpful and kind.
Responsive.
Responsive.
Fast response.
Fast response.
Spot Pet Insurance was outstanding
Spot Pet Insurance was outstanding. The process to upload the vet invoice was easy, they quickly verified the information and within a week the full amount, less deductible of course, was deposited in our account. We couldn’t be happier with Spot.
Zeny
Zeny, a healthy Jindo dog, suddenly began suffering from seizures when she turned four, requiring four emergency visits over the course of seven months. These situations were quite distressing, and each visit cost over $800; Spot Pet Insurance covered a portion of the expenses. Most recently, she had to go to the emergency clinic again due to a leg injury; the bill came to $641.73, and I received a check for $440.59 from Spot Insurance. I’m glad I signed up with Spot Insurance; they are highly trustworthy, kind, and responsible.
Thankful and grateful …
Having Spot has literally saved my Rotti's life ! He had urinary problem ; took him to our vet and we found out his situation was more serious then we could have ever imagined. He had xrays and tests and turned out he needed the help of a specialist ,he had over 100 bladder stones .We would have sold everything to save him ; his surgery and care was almost $8000 by grace of God we had Spot. We of course paid the bill and his coverage guaranteed 80% of that monies back .I will never go without Spot to cover all my furbabies needs.
Jackie and Rocky
We adopted 2, 13 month old kittens (bonded brothers) and one was the "runt of the litter". The bigger one fell off a desk backwards onto a glass compote, breaking one vertebrae and cracking another. Fortunately he was able to walk, and didn't lose any functions. He did have to "crated" for 8 weeks to limit his mobility and heal. They both have had asthma issues, the little guy more so and more often. We are thankful that we have had coverage that actually pays for 80% of the emergency room and Vet bills.
