The full picture
Pre-auth is rarely required in pet insurance (unlike human), but some insurers require it for very expensive procedures. Appeal: argue emergency exception or that policy didn't clearly require pre-auth.
The winning argument
Argue emergency exception. Most policies waive pre-auth for true emergencies. Show timeline made pre-auth impossible.
What evidence wins this appeal
- ●Emergency documentation
- ●Policy review for pre-auth requirement
- ●Timeline showing impossibility of pre-auth
Step-by-step checklist
- 1Document emergency status
- 2Cite policy emergency exception
- 3Show timeline
What to ask your vet for
Please document whether [TREATMENT] was emergent and whether delay for pre-authorization would have endangered [PET NAME].
If the first appeal fails
Supervisor review → DOI complaint.