Spot Pet Insurance — 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?

Behavioral exclusion

The carrier is saying they don't cover behavioral issues. But many behavioral diagnoses overlap with medical ones (e.g., anxiety from chronic pain, aggression from a thyroid condition) — and if the underlying cause is medical, the appeal is to reframe the claim around the medical diagnosis.