Trupanion
- Appeal channel
- Email / Portal / Phone
- Appeal window
- 180 days from denial
- Carrier response
- ~21 days
- Underwriter
- American Pet Insurance Company
Most-common denial reasons
Find your carrier
Top 10 US pet insurers — appeal procedures
Each carrier has its own appeal channel, window, response timeline, and escalation path. Pick yours below for the specifics — including the underwriter, common denial-reason patterns, and the relevant primary-source policy citations.
Lemonade Pet
- Appeal channel
- Email / Portal / Phone
- Appeal window
- verification pending
- Carrier response
- ~10 days
- Underwriter
- Lemonade Insurance Company and Metromile Insurance Company
Most-common denial reasons
Embrace Pet Insurance
- Appeal channel
- [email protected]
- Appeal window
- 14 days from denial
- Carrier response
- ~28 days
- Underwriter
- Embrace Pet Insurance Agency, LLC
Most-common denial reasons
Pets Best
- Appeal channel
- Mailed letter
- Appeal window
- 60 days from denial
- Carrier response
- verification pending
- Underwriter
- Pets Best Insurance Services, LLC
Most-common denial reasons
Healthy Paws
- Appeal channel
- Email / Portal / Phone
- Appeal window
- verification pending
- Carrier response
- ~30 days
- Underwriter
- Healthy Paws, a Chubb Company
Most-common denial reasons
Fetch (formerly Petplan US)
- Appeal channel
- Email / Portal
- Appeal window
- verification pending
- Carrier response
- ~30 days
- Underwriter
- XL Specialty Insurance Company
Most-common denial reasons
Spot Pet Insurance
- Appeal channel
- Email / Portal / Phone
- Appeal window
- verification pending
- Carrier response
- ~30 days
- Underwriter
- Independence American Insurance Company
Most-common denial reasons
Figo Pet Insurance
- Appeal channel
- [email protected]
- Appeal window
- 90 days from denial
- Carrier response
- ~30 days
- Underwriter
- Independence American Insurance Company
Most-common denial reasons
ManyPets US (in wind-down — transferring to Odie)
wind-down- Appeal channel
- [email protected]
- Appeal window
- verification pending
- Carrier response
- verification pending
- Underwriter
- Accredited Surety and Casualty Company
Most-common denial reasons
Prudent Pet
- Appeal channel
- Email / Portal / Phone
- Appeal window
- verification pending
- Carrier response
- verification pending
- Underwriter
- Markel American Insurance Company
Most-common denial reasons