Late claim submission

Most insurers allow appeals if you missed the deadline for a documented reason (hospitalization, natural disaster, vet billing delay).

Explain the delay with documentation. If your vet was slow to provide records, get a letter from them. Many insurers grant extensions for reasonable cause.

• ●Documentation of the delay reason
• ●Proof of when records became available
• ●Hardship documentation if applicable

1. 1Get vet to confirm when records were available
2. 2Document hardship if applicable
3. 3Cite the deadline and reason for delay

Supervisor review → DOI complaint.