PetClaimLog

Real denials, payouts and premium shocks logged from public Reddit posts — every case links to the original thread so you can verify it yourself. No composites, no invented numbers.

Cluster B emergencies · lilies in cats, human medications in dogs, $300-to-five-figure bills, and the accident waiting-period trap most owners find out too late.

Cluster A vocabulary · annual vs per-condition clocks, real claim math, and the calculation-order trap that quietly changes every payout.

Cluster D state page · the first state pet insurance law (AB 2056), the 30-day free look that doubles the NAIC standard, and what California premiums really cost.

Cluster B comparison · real pricing, base-plan math, the 14-day vs 6-month knee wait, cure-back rules, and Spot's bilateral knee trap.

Feline long-tail · the $300–$6,500 diagnostic tree, the $40–$250/month management bill, and the vet note that can turn one vomiting episode into a lifetime exclusion.

State statute deep-dive · HB 655's 30-day waiting-period cap, the insurer's burden of proof, the 30-day free look — plus what Floridians actually pay.

Cluster C long-tail · premiums, the $8,000–$15,000 surgical episode, the bilateral exclusion trap, and the one-time enrollment window.

Cluster C long-tail · premiums, hip/elbow dysplasia and DM vet bills, and why the enrollment window closes at the first limp.

Cluster C long-tail · real premiums, BOAS/IVDD vet bills, and why enrolling before symptoms show matters most for this breed.

Cluster B anchor · what counts, curable vs. incurable, waiting periods, state rules.

Cluster A · NAIC Model Act §6 appeal rights, vet clarification letters, deadlines.

Cluster B · curable-condition reset rules, exam waivers, documentation strategy.

Cluster D · continuity traps, what resets, what carries over.

Pick a carrier and state: accident / illness / orthopedic / knee waiting periods, curable-condition reset windows, bilateral traps and state-law overlays — every figure multi-source verified with dates.

Keep a dated symptom & treatment timeline your vet can sign off on. Runs entirely in your browser — nothing is uploaded anywhere. (In active development.)