PetClaim logoPetClaim.
Start an appeal
← All denial reasons
moderate difficulty~55% typical 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.

The full picture

Some insurers (Embrace, ManyPets US, AKC) cover curable pre-existing conditions after 12–18 months symptom-free. If you're past that window, the appeal is showing the symptom-free period has been met with records.

The winning argument

Cite your insurer's exact curable pre-existing clause. Provide unbroken records covering the entire symptom-free window. A single vet visit for an unrelated issue is fine; a recurrence of the same condition resets the clock.

What evidence wins this appeal

  • ●Continuous medical records showing no symptoms during the waiting period
  • ●Vet letter confirming condition resolved
  • ●Policy clause defining curable pre-existing

Step-by-step checklist

  1. 1Pull complete records covering the symptom-free window
  2. 2Identify policy's exact symptom-free requirement
  3. 3Get vet letter confirming resolution date

What to ask your vet for

Please confirm [CONDITION] in [PET NAME] was resolved on [DATE] and that there have been no recurring symptoms or treatments since.

If the first appeal fails

Supervisor review → DOI complaint.