ManyPets US (in wind-down — transferring to Odie) — Appeal a Denied Claim

Pre-existing condition

The carrier is saying your pet had this issue — or showed signs of it — before they started insuring you. Whether they're right depends on what your vet records actually show, when the first symptoms appeared, and how the carrier defines 'pre-existing' in your specific policy.

Waiting period

The carrier is saying the symptoms or treatment date fell inside the time window where your coverage hadn't yet kicked in for that category. Whether they're right depends on what 'date of incident' means in your policy: is it the date of first symptom, date of diagnosis, or date of treatment?

Treatment vs. prevention

The carrier is saying the procedure was preventive — done to keep your pet healthy — rather than to treat an active illness or injury. The fight is over whether your specific procedure was actually treating something, even if it overlaps with preventive care.