Terms of Use
Effective date: October 31, 2026
Informational use only
PetInsuranceDenied.com is an informational research project. Nothing on this site is legal advice, tax advice, insurance advice, or veterinary advice. The procedural information we publish is researched from primary sources (carrier policy docs, FAQs, state DOI websites) but pet insurance policies vary widely; always verify with your specific policy and a licensed insurance attorney before acting.
No insurance, broker, or law-firm relationship
We are not an insurance company. We are not an insurance broker. We are not a law firm. We do not act as your representative in any appeal, complaint, or claim. The Appeal Letter Generator produces a starting template, not legal counsel. Reading this site does not establish an attorney-client, insurance-broker, or fiduciary relationship.
Accuracy disclaimer
Carrier appeal procedures, mailing addresses, phone numbers, policy section references, and state DOI contact information change without our being notified. We update on a quarterly cadence (and on reader reports), but at any point in time some published facts may be stale. Verify critical details against the cited primary source before acting.
No referral or affiliate payments
We receive no referral fee, commission or other payment from any pet insurance carrier, financing provider or other third party linked from this site, and no carrier pays us for editorial coverage. If that ever changes, this page and every page with such a link will say so in the same release that adds it.
Limitation of liability
To the fullest extent permitted by law, PetInsuranceDenied.com and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this site, the Appeal Letter Generator, or any information obtained here. Use at your own risk.
Intellectual property
The content on this site is published by us. Our research methodology, copy, design, and code are subject to copyright unless otherwise indicated. Carrier names, logos, and policy language are the property of their respective owners and are cited here under fair use for journalistic/informational commentary.
Changes
We may update these Terms; changes take effect on the new effective date posted at the top of this page. See also our Privacy Policy and Disclaimer.