Community Q&A
Real questions, real answers. Pet parents helping each other navigate denied claims and tricky policies.
Sign in to askLevel 2 Pet Insurance Appeal: What to Include for a Successful Review?
My pet insurance claim was denied at Level 1, and I'm preparing a Level 2 appeal. I've heard this is often the last shot, so what specific details, documents, and arguments should I absolutely include to give my pet's case the best chance of being overturned?
Why wasn't my ASPCA pet insurance exam fee covered?
I recently submitted a claim to ASPCA Pet Insurance for an exam fee, but it was denied. I'm confused about why this happened because I thought my policy covered vet visits. Can you explain the typical reasons ASPCA Pet Insurance might not cover an exam fee and what I can do about it?
What evidence do I need to win a pet insurance pre-existing condition appeal?
My pet's claim was denied due to a pre-existing condition, but I believe it's a new issue. What specific evidence should I collect and submit to increase my chances of winning an appeal against this denial?
Does Fetch pet insurance cover behavioral issues like separation anxiety?
My dog recently started showing signs of severe separation anxiety, including destructive chewing and house soiling. I have Fetch pet insurance, and I'm worried they won't cover the vet visits, medications, or training necessary to address this. Will Fetch pet insurance cover behavioral issues like separation anxiety?
Should I arbitrate or sue my pet insurer in small claims court?
My pet insurance claim was denied, and I'm really frustrated. I've heard about arbitration and small claims court, but I'm not sure which path is best for me. What are the key differences, and which option usually works out better for pet owners disputing denied claims?
Why did Nationwide deny my pet's prescription food claim and what can I do?
My veterinarian prescribed a special therapeutic diet for my dog's kidney condition, and I submitted the claim to Nationwide Pet Insurance. I was really surprised and frustrated when they denied it. What are the common reasons Nationwide denies claims for prescription food, and what steps can I take to appeal this decision or ensure future claims are approved?
Can I switch pet insurance and keep chronic illness coverage?
My pet has a chronic condition that is currently covered by my existing pet insurance policy. I'm looking to switch to a new provider, but I'm worried about losing coverage for this ongoing issue. Will a new insurer consider my pet's chronic illness a pre-existing condition, even though it was covered before?
How do I file a Department of Insurance complaint against my pet insurance for a denied claim?
My pet insurance company denied a significant claim for my dog's emergency surgery, citing a pre-existing condition I believe is inaccurate. I've tried appealing directly with them and am getting nowhere. What's the process for filing a formal complaint with my state's Department of Insurance?
Does Pets Best cover chronic conditions diagnosed before policy start?
My beloved dog was recently diagnosed with a chronic condition, and I'm devastated to learn that treatments could be lifelong and expensive. I'm trying to understand if my existing Pets Best policy will help cover these ongoing costs, especially if we didn't know about it before I signed up. What are the specifics regarding chronic condition reimbursement with Pets Best, particularly for conditions that might have been developing but weren't formally diagnosed until after enrollment?
Can I appeal Healthy Paws' bilateral exclusion for my dog's ACL tear?
My dog was recently diagnosed with an ACL tear on one side, and Healthy Paws denied coverage, citing a bilateral exclusion because she previously had an issue with the other knee. I don't understand why a prior injury on one side means they won't cover treatment for a new injury on the other. What are my options for appealing this decision?
Why did MetLife pet insurance deny my dog's hereditary condition claim?
My beloved dog was recently diagnosed with a hereditary condition, and to my dismay, MetLife Pet Insurance denied my claim. I've been paying my premiums diligently, and I thought pet insurance was supposed to cover these kinds of issues. Why would they deny a claim for something my dog was born with?
Trupanion denied hip surgery for pre-existing condition, what now?
My dog needs hip surgery, but Trupanion denied the claim, stating it's a pre-existing condition. I'm heartbroken and don't understand how they made that determination, as I believed we were covered. What are my options now to try and get this covered?
Why is my Lemonade pet insurance claim taking over 60 days to process?
I submitted a claim to Lemonade pet insurance over two months ago, and I haven't heard anything back, nor has it been paid. What could be causing such a long delay, and what are my options to speed things up or escalate the issue?
What are Spot's dental coverage limits for my dog's teeth cleaning?
I'm looking into getting pet insurance for my dog, and I'm particularly concerned about dental care. I've been eyeing Spot Pet Insurance, but I'm unsure about what their dental coverage actually entails, especially regarding routine cleanings versus more serious issues. What are the typical limits and how do I understand what Spot will and won't cover for my pet's dental health?
Why was my Embrace orthopedic claim denied due to waiting period?
I just received a denial from Embrace for my dog's orthopedic surgery, stating it was due to a waiting period. I thought I understood how long I had to wait, so this is really confusing and frustrating. Can you explain why this might have happened and what I can do now?