22 US carriers · 20 denial playbooks · 50 states
Your pet insurance denied the claim. Don't accept it.
Generate a reason-specific appeal letter built from the same playbooks insurance adjusters use — backed by your records, your policy, and your state's escalation path.
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Answer 6 quick questions and see the odds your denial can be overturned — plus the exact argument to use.
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Appeal strength
Strong · 82/100Denial reason
Pre-existing condition
Winning lever
First clinical sign post-dates policy effective date by 47 days.
"Per the records of Dr. Lee dated Mar 14, no symptoms of intervertebral disc disease were noted prior to coverage start on Jan 26. The condition was first observed on Mar 14…"
3 supporting exhibits attachedAppeal window: 58 days left
Three steps. No legal jargon.
We turn a denial letter into a structured appeal in the same time it takes to argue with a chatbot.
01
Upload your denial
Drop the EOB or denial letter. We extract the insurer, denial reason, denied amount, and your appeal deadline.
02
We pick the playbook
Each of the 20 most common denial reasons has its own argument strategy, evidence list, and escalation path.
03
Send the letter
Editable, exported as PDF/DOCX, with a pre-filled email to your insurer's appeals address.
Why pet insurers actually deny claims
Each reason has a different win rate. The right playbook matters more than how strongly you complain.
low difficulty~75% win rate
Insufficient documentation
The insurer says your submission lacks required records or itemization.
moderate difficulty~60% win rate
Lapsed / inactive policy at time of treatment
The insurer claims your policy wasn't active when treatment occurred.
moderate difficulty~55% win rate
Coverage not yet effective / enrollment gap
The insurer says coverage hadn't started yet or there was a gap in coverage.
moderate difficulty~55% win rate
Curable pre-existing not waited out
A curable pre-existing condition (e.g., UTI, ear infection) was denied because the symptom-free waiting period was not met.
moderate difficulty~50% win rate
Bilateral condition exclusion
Your pet had an issue on one side (e.g., left knee) before coverage, so the insurer denies the *other* side too.
moderate difficulty~45% win rate
Dental illness / dental exclusion
Dental treatment denied as cosmetic, preventive, or excluded.
moderate difficulty~45% win rate
Hereditary / congenital condition exclusion
The insurer says the condition is hereditary or congenital and excluded from coverage.
moderate difficulty~45% win rate
Not medically necessary / experimental
Treatment denied as not medically necessary, experimental, or investigational.
moderate difficulty~45% win rate
Out-of-network / non-licensed provider
Treatment by a provider not covered by your plan.
22 US pet insurance carriers, scored honestly
We rank by appeal window, what's actually covered, and whether they'll fight you on hereditary conditions — not by commission.
| Carrier | Rating | Illness wait | Ortho wait | Hereditary | Appeal window | |
|---|---|---|---|---|---|---|
| Healthy Paws | 4.5 / 5 | 15 days | 15 days | Yes | 90 days | View → |
| Trupanion | 4.4 / 5 | 30 days | 30 days | Yes | 90 days | View → |
| Embrace | 4.3 / 5 | 14 days | 180 days | Yes | 60 days | View → |
| Prudent Pet | 4.2 / 5 | 14 days | 14 days | Yes | 60 days | View → |
| Fetch by The Dodo | 4.2 / 5 | 15 days | 15 days | Yes | 90 days | View → |
| Pumpkin | 4.2 / 5 | 14 days | 14 days | Yes | 90 days | View → |
| Spot Pet Insurance | 4.1 / 5 | 14 days | 14 days | Yes | 180 days | View → |
| ManyPets US | 4.1 / 5 | 15 days | 15 days | Yes | 60 days | View → |
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