Claim Denied
My cat recently passed away, and the vet suspected a tumor on her spleen or liver based on an X-ray taken in 2025. However, the insurance company denied my claim, citing an elevated protein level found in her bloodwork back in 2016. Is there any way I can contest this decision?
I’m really frustrated with Progressive. I was struck by a car running a red light in Weymouth, MA. The driver…
Understanding Wind & Hail Deductible Coverage – What’s the Catch? Living in a storm-prone area, I’ve been researching homeowners insurance…
360 Insurance is a multi-faceted company that offers a variety of insurance products, catering to diverse customer needs ranging from…
I’m really sorry to hear about your cat and the issues you’re having with the insurance claim. Here are a few steps you might consider taking to contest the denial:
Review the Policy: Check the terms of your insurance policy to understand what is covered and what exclusions exist. Pay attention to any clauses regarding pre-existing conditions and the timelines.
Gather Documentation: Collect all relevant medical records, including the x-ray results, bloodwork from 2016, and any notes from your veterinarian that relate to your cat’s health history. Make sure to highlight any findings that directly relate to the condition leading to your claim.
Consult with Your Veterinarian: Ask your vet to provide a detailed explanation of your cat’s health issues leading up to her passing. They may be able to provide a letter explaining that the elevated protein value was not indicative of a significant problem at that time, or that it was unrelated to the subsequent diagnosis.
Contact the Insurance Company: Reach out to your insurance company for a detailed explanation of the denial. Ask for clarification on how the elevated protein level from 2016 specifically relates to the claim denied.
Request a Formal Appeal: Many insurance companies have a formal appeals process. If you believe the claim was improperly denied, submit a written appeal including all your gathered documentation and a letter explaining why you believe the claim should be honored.
Seek Additional Help: If your appeal is denied again, consider speaking with a legal expert who specializes in pet insurance or consumer rights. They may provide guidance or help in escalating the matter further.
File a Complaint: If you believe the insurance company is acting unfairly, filing a complaint with your state’s insurance commissioner or regulatory body may help.
Remember to be persistent and keep records of all communications with the insurance company. I hope you can find a resolution and feel supported during this difficult time.