Why Pet Insurance?

How to Submit a Pet Insurance Claim

As a pet parent, 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, by helping you get peace of mind and 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.

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 pet insurance 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.

How to Submit My Claim with Spot Pet Insurance

Spot Pet Insurance can help make submitting your claim quick and easy. Follow the steps below and receive your reimbursement in 7 days or less.

Step 1: Collecting Documents

  • Get a finalized invoice with your pet's name, itemized services, and costs.

  • Ensure the invoice is clear and legible.

  • For the first claim, gather your pet's complete medical history, including examination notes.

Step 2: Online Submission

  • Go to Spot Pet Insurance's member portal.

  • Choose your document submission method (upload or offline forms for fax/email/mail).

  • Provide details like pet's name, condition, and reimbursement preference.

  • Receive an email confirmation with the claim number.

Tip: Add Direct Deposit details for faster reimbursement.

Step 3: Track Your Claim

  • Keep in touch with your clinic for any additional information requests.

  • Claims processing updates will be emailed to you.

Benefits of Submitting a Pet Insurance Claim

The benefits of submitting a pet insurance claim can range from reimbursement to ensuring your pet receives quality care and peace of mind for pet parents.

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 eligible 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.


In conclusion, filing a pet insurance claim can be important by helping ensure that your furry friend can continue to receive the best possible medical care, and you can worry less about the financial burden.

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

How long do I have to file a claim?

You can submit a claim within [x] days from the date of treatment

How do I file a claim?

If you are unable to upload your documents using our Member’s Portal, please fill out the claim form online which will generate a unique barcode for your claim. You can then print this page as a cover sheet which can be submitted via fax or email with your other supporting documentation.

If you are unable to access the Member’s Portal, please call our team at 1-888-501-7768 and one of our team members would be happy to assist you with submitting your claim.

It is important to note that the printed barcode page is unique to each individual claim, so reusing the same barcode for more than one claim could results in delays in your claim processing.

Can I cancel an insurance claim?

Yes. Please call 1-888-501-7768 for assistance.

How do I appeal my claim?

Please call 1-888-501-7768 for assistance.

How can I find out the status of my claim?

Every claim goes through a few steps in the assessment process. Here is a helpful guide to explain what your current claim status means.

  • Claim in Process: All of your documents and claim details are in our system. We call this step "pre-processing".

  • Claim in Review: Your claim is with our claims adjusters.

  • Claim on Hold Waiting for Docs: Uh-oh, something was missing from your claim submission. Don't worry - we're on the case. We will either reach out to you or your pet's vet clinic for more information.

  • 1st reminder / 2nd Reminder / Final reminder: If we're in the process of collecting missing information, we want to keep you updated. We may reach out to you a few times to remind you.

  • Completed: Your claim is complete. This means our adjusters have finished your claim and you will receive your formal Explanation of Benefits from us shortly.

  • Canceled: Your claim has been canceled and removed from processing.

  • Canceled - Duplicate: When we receive duplicate claims or when all invoices for a claim are duplicates, the claim will be canceled.

  • Claim Closed: When something is deemed missing from your claim, and we are unable to connect with you or your vet clinic for 30 days, your claim will be closed. You will have the opportunity to resubmit your claim when you have the missing documents.

You’ll receive an email that lets you know your claim is finished. About 24 hours after receiving that email, you can log in to your account at members.spotpetinsurance.ca to review the breakdown of your claim, known as an ‘Explanation of Benefits’ letter. This will let you know what parts of your invoices were covered, and how much reimbursement you will be receiving.

Should I include my pet’s medical records with a claim?

Yes. Medical records are the veterinarian's detailed examination notes written during your pet’s examinations, also known as "chart notes" or "SOAP" notes. These records will indicate your pet's condition, veterinary observations, diagnostic tests, treatment plans, and other information crucial in managing your pets' health.

If your pet was adopted, we ask for a copy of all documents provided by the adoption facility, as these often include important medical information.

If you don’t have any medical history available for your pet, you must see a veterinarian within the first 30 days of your policy for a complete health check-up, and submit the medical records from the visit.

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