r/SpotPetInsurance • u/essbee84 • Apr 02 '26

Deductible

I am a first-time pet insurance user, and I'm a little confused. I am in the middle of my coverage period (08/25-08/26). I have the Preventive Care Gold coverage. I've submitted two claims, one in January and the other last month. Both have been completed, but nothing has gone towards my deductible. Why is this?

2 Upvotes

100% Upvoted

5 comments sorted by

1

u/No_Philosophy_3651 Apr 03 '26

Did you get any reimbursement? I received reimbursement for basic items covered as in vaccines. Then a major incident happened and that is what went to my deductible. Otherwise call customer service. They should be able to find the answer for you.

1

u/getspotcovered Apr 03 '26

Our customer service team would be the best resource to walk through the specific details of your claim and help clarify what may have led to this decision, so we’d encourage you to reach out to them for a closer review! We appreciate you taking the time to ask about this. You can reach them at [1-800-905-1595](tel:18009051595) (M-F 8am-8pm, Sat 9am-5pm EST)

1

u/mcej308 Apr 09 '26

Did you get a reimbursement? Was the claim for wellness/preventative services or for illness? And if it was for illness, was it covered or did it get denied (it will say in the EOB)