About PetClaim
PetClaim exists because pet insurance claim denials are wrong more often than you'd think, the appeal process is winnable, and almost nobody tells you how. We're the missing manual.
What we do
We publish insurer-specific appeal playbooks for every major US pet insurer and every common denial reason. We turn user-supplied facts (denial letter, vet records, policy details) into a ready-to-send appeal letter. We track each insurer's response window and the state-by-state escalation paths so you can hit the deadlines and use the right regulator.
Who we are
- Dr. Priya Shah, DVM — Doctor of Veterinary Medicine. Small-animal veterinarian with 11 years of clinical practice in the US. Reviews PetClaim's medical and condition content for clinical accuracy and SOAP-note completeness.
- Marcus Okafor — Insurance Claims Analyst, AINS. Former property & casualty claims analyst (AINS-designated) who spent six years adjudicating health-related claims before moving to consumer advocacy. Researches insurer policy language and appeal procedures.
- Jenna Rivera, Esq. — Consumer Protection Attorney (NY, NJ Bar). Consumer-protection attorney focused on state Department of Insurance complaints and the Unfair Claims Settlement Practices Act. Reviews PetClaim's state-by-state escalation content.
What we believe
- Policyholders win when they document, not when they argue. Our tools push you toward better records, not louder letters.
- Carriers earn their reputations. We rank on appeal friendliness and turnaround, not on price or affiliate rate.
- The regulator works. A state DOI complaint is the single most underused tool in pet insurance.
- AI doesn't replace expertise. Every reference page on this site is reviewed by a credentialed human before publication.
How we make money
A one-time $9 unlock to export your finished appeal letter, an optional $19/month Pro plan for unlimited appeals plus document storage, and an optional $149 Concierge tier where we hand-edit the appeal for you. Some insurer links are affiliate; affiliate relationships never affect our rankings. Full details in our Editorial Policy.
Read more
- Editorial Policy
- How we research
- Medical review process
- Methodology — how insurers are scored
- Trust & security
PetClaim is operated by Techtenstein Services Private Limited. We are not a law firm, not an insurance company, and not an insurance agent. Generated appeal letters are document drafts, not legal advice.