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
You had different policies to fit our…
You had different policies to fit our pet needs and was easy to reach to you.
I have submitted 2 different claims
I have submitted 2 different claims for one of my cats and the claims were handled in a timely manor and my refund was as stated.
They are very professional
They are very professional, very easy to make my claim.
Spot insurance was there for my boy…
Spot insurance was there for my boy with his much needed surgery. Couldn’t have done it without them.
They have your back!
My Pup is seriously ill. With all the emotions attached to her care. It's nice having an insurance company as Spot. All I had to do was submit a couple items and they handled the rest. The experience was hassle free and the processing was quick. I will definitely continue to use Spot as my pet insurance company.
Fast ,easy and very helpful on the phone
Fast ,easy and very helpful on the phone
I picked the middle of policy for my…
I picked the middle of policy for my cat. Only 13 dollars a month. When he gets emergency cost 1000 dollars, but spot insurance give me back 804. I am so happy and satisfied, cuz you're gonna to save your pet, no matter what. When you have the insurance you got peace of mind. I insured 3 of my baby’s, cost 100 a month. It’s totally worth it.
Spot does what Spot promises to do
Spot does what Spot promises to do: it reimburses 90% of my vet bills after the annual deductible. Easy claim processing; easy communications channels; direct deposit for quick reimbursement. Sadie Killmouski and I are quite satisfied.
Easy to file claim and claim paid…
Easy to file claim and claim paid quickly
App is easy to use and reimbursement is…
App is easy to use and reimbursement is quick
