About
About PetInsuranceDenied.com
What this site is
PetInsuranceDenied.com is an informational research project for US pet owners whose insurance claims were denied. It covers the top 10 US pet insurance carriers' published appeal procedures, includes a free in-browser appeal-letter generator, and provides a 50-state insurance-commissioner backstop for when the carrier-side appeal fails.
This site is not an insurance company. It is not an insurance broker. It is not a law firm. We do not act as an intermediary in your appeal. No carrier pays us for editorial coverage — we describe their procedures because that information is in the public-domain (carrier policy docs, FAQ pages, state DOI disclosures), and we receive no referral fee or other payment from any carrier.
What we publish
- •Per-carrier appeal procedures — appeal channel, window, response timeline, and escalation path for each of the top 10 US pet insurers, sourced from their primary policy and FAQ pages.
- •Denial-reason pillars — eight categorical guides covering pre-existing condition, breed exclusion, waiting period, treatment-vs-prevention, bilateral, behavioral, dental, and hereditary denials.
- •State insurance commissioner directory — the contact and complaint-form information for all 50 US states + DC. We publish only what we have verified against the state's own DOI page.
- •An appeal-letter generator that runs entirely in your browser. No personal claim data collected, no PHI we hold, no marketing follow-up.
Editorial review
The appeal procedures, denial-reason pillars, and state DOI entries are written from primary sources and will be reviewed for procedural accuracy by a licensed insurance attorney once one is retained. No standing reviewer is engaged yet — when a reviewer is engaged, their name, bar number, state of admission, and a link to verify license status will appear here. We will not publish a fabricated reviewer.
The reviewer, once retained, will be an insurance attorney, not a veterinarian. This is a procedural insurance niche, not a clinical pet-care site. A DVM-attributed review would be off-target.
Privacy
The Appeal Letter Generator runs entirely in your browser. We never receive your pet's name, diagnosis, vet record filenames, or the policy section the carrier cited. Visits are measured through Google Analytics (pages viewed, the generator step reached, the carrier and denial-reason category picked, and which state insurance-commissioner pages are opened), which is on by default outside the European Economic Area, the United Kingdom and Switzerland, and which you can turn off on any browser. See the privacy policy or the methodology for the audit trail.
Funding
This site has no advertising and no referral or affiliate programs: we receive no payment from carriers, financing providers or anyone we link to. We recommend the appeal path first.
Contact
Editorial corrections: hello@petinsurancedenied.com. Found a stale carrier procedure URL or an outdated commissioner contact? We update on confirmation.