Why Pet Insurance?

How to Submit a Pet Insurance Claim

April 28, 2023

Discover the secret to hassle-free pet insurance claims! Learn our foolproof step-by-step guide on how to submit & get your money fast!

As a pet owner, you strive to get your furry companion the best care possible when they fall sick or get injured. However, veterinary bills from unexpected accidents and illnesses can add up quickly, leaving you in a financial bind.

This is where pet insurance can come in handy, helping you get peace of mind and financial support when your pet needs medical attention. But how exactly do you submit a pet insurance claim? In this blog post, we will guide you through the process and highlight its importance and benefits.

Understanding Your Pet Insurance Policy

Before submitting a claim, it's important to understand your pet insurance policy's coverage and limitations. Typically, pet insurance policies can cover accidents and illnesses but may exclude pre-existing conditions. Additionally, some policies may have waiting periods before coverage kicks in. Understanding these details will help you determine if your pet's medical expenses and conditions are covered and if it's worth submitting a claim.


Fill Out a Claim Form

Obtain the invoice from your vet and include it in your claim submission within the required time frame.


Submit Your Claim Form

Claims can be submitted online or through the app


Wait for Reimbursement

Direct deposit reimbursements arrive on the 15th of the following month. If reimbursed by check, allow a few extra days for the mail to arrive.

Benefits of Submitting a Pet Insurance Claim

The benefits of submitting a pet insurance claim span from financial reimbursement to quality care for your pet and peace of mind for pet parents. By submitting a claim, you can provide your pet with the best possible medical care without worrying about the cost. This can help improve your pet's quality of life and increase their chances of recovery. Knowing you can submit a claim when needed can provide peace of mind and alleviate the financial burden of unexpected veterinary expenses. 

Financial Assistance

Pet insurance helps alleviate the burden of unexpected or expensive veterinary bills.

Quality Care for Your Pet

Pet insurance helps ensure your pet can receive eligible medical treatments promptly.

Peace of Mind

Pet Insurance can help alleviate stress and anxiety for both you and your pet by covering the cost of eligible services.

How to Submit My Claim with Spot Pet Insurance



Access the Member Center through the app or site


Click the Claims Icon

Upload a photo of your invoice


Wait for Reimbursement

Submit the claim and wait for reimbursement

If you are not a current policyholder but want more information on how pet insurance works or are curious about the customizable coverage options provided by Spot plans, check out our blog to learn more.

For additional guidance on frequently asked questions, please refer to the information provided below or the FAQ's page.


In conclusion, filing a pet insurance claim is important to help ensure that your furry friend can continue to get the best possible medical care with less worry about the financial burden. Submitting a claim not only provides financial reimbursement for eligible veterinary costs, but it can also help reduce stress and anxiety for both you and your pet.

By understanding the submission process and benefits of a pet insurance policy, you can make informed decisions that help prioritize the health and well-being of your beloved companion. So, don't hesitate to file a pet insurance claim when needed – it can make all the difference in your pet's quality of life.

Frequently Asked Questions

You can submit a claim within 270 days from the date of treatment.

Click the Claims icon and follow the simple instructions. Don’t forget to take a picture of your invoice and upload it to complete the claim submission.

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.

The number of days to appeal a claim varies by the state in which your policy was issued.

All requests to appeal your claim must be made in writing to us. Any submitted appeal should state clearly why you or your vet disagree with the initial determination and include supporting documentation.

To appeal your claim simply email your request and supporting documentation to service@customer.spotpetins.com.

Once your appeal has been received, you will receive an email confirmation. Note: Appeals may take around 30 days to be reviewed.

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.

If we do need medical records, we’ll contact your veterinarian directly, but it may speed up the process if you send them in with your claim.

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