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
Fast reimbursement and wellness options
Fast reimbursement and wellness options
Excellent customer service
Excellent customer service
Spot is simply the best!
Spot is simply the best!! We have had our policy for 3 years since our Luka was a baby and they have been stellar. I hear some terrible stories about Embrace and others and we are so very happy we chose Spot for the lifetime of our Luka!
Happy with the Service
So far, I'm happy with the service. The claims department is quick, and so is the refund process.
Wonderful experience
Wonderful experience
Excellent service and an easy claim…
Excellent service and an easy claim process. Clear communication, helpful support, and great peace of mind for Mila’s care. Very satisfied with Spot Pet Insurance.
I am happy for the most part
I am happy for the most part. After my last claim was in the review process only took two days to complete. I did an appeal for Jake's first depomedrol injection, it was given initially for Jake's arthritis, but as an added benefit it helped his dermatitis and hip. The vet had written in the note you received that was only for his dermatitis, the Vet sent a corrected letter stating that the injection was given for his arthritis. This was acouple months ago, I never received the outcome and nothing was added toward Jake's deductible for his first injection. The injections after that were added towards the deductible. I would be very happy to it this could be resolved and the amount added towards Jake's deductible. Thank you
Easy to understand website
Easy to understand website. Very clear coverage explanations and sign up process. Easy to submit claims and very fast reimbursements. Loved the explanation of benefits section.
