How does Spot pet insurance work?
I just signed up for Spot Pet Insurance for a kitten I’ll be getting next week and wanted to be prepared. Since I’m not very familiar with how it works, can someone explain the process? Do I need to pay all vet bills upfront and then submit them for reimbursement, or does the vet handle the insurance directly and I just pay my portion at the vet? If it’s the former, do I need to follow this process for all expenses, like vaccines and other treatments?
In my experience, you generally pay the vet upfront and then file a claim for reimbursement. This applies to expenses like vaccines as well. What really helped me understand the process was reviewing some information when I first got pet insurance.
Consult with your vet. Typically, you pay all expenses out-of-pocket and then submit the receipts to Spot for reimbursement.
You’ll need to pay out-of-pocket first. There is a 14-day waiting period. If your cat hasn’t had a physical yet, it’s a good idea to get one to establish a baseline, as they will ask for it with the first claim.
If you only have coverage for accidents and illnesses, preventive visits won’t be covered, including vaccines, annual exams, and preventive labs. In either case, you’ll need to pay upfront.
Carefully review all of your Explanation of Benefits (EOBs) to understand why claims are denied. They often reject every claim as a pre-existing condition, regardless of the issue. They’ve only covered one wellness check for $50; everything else is marked as pre-existing. I’ve requested my medical records used for these decisions, but they haven’t sent them.
Hi @KeyGlock? We’ve had Spot for a little over a year. I’m currently in the ER with my dog, she injured herself badly on a fence. I keep reading that Spot labels everything as pre-existing. Has anyone here had experience with Spot covering a genuine accidental injury?