Last updated: November 5, 2026
PetClaimLog maintains a log of real pet-insurance claim outcomes — cases reported by policyholders in public posts, which we locate, read in full, classify, and link to. Everything on the site is built from that log, and the log itself is open data.
Two files, refreshed as cases are added:
Licensed under CC BY 4.0: reuse, share, and adapt for any purpose, including commercial, with attribution. The license covers our compilation and classification only; source-post text remains © its original authors, and each record links to the original public post.
Suggested citation (check the version field inside the file for the date of
the export you used — the example below shows the version current as of November 5, 2026):
PetClaimLog Team, "Pet insurance claim outcomes log" (version 2026-11-08), petclaimlog.com/claims.json, CC BY 4.0.
As of this page's last update the log holds 186 cases: 102 denied (55%), 36 paid in full, 15 partially paid, and 33 premium-related disputes. Denials involving the pre-existing-condition clause are the largest family within the denied group: 52 of 102 cite it as the primary reason, rising to 55 of 102 (54%) when two bilateral-clause denials are included. Read the Claims Report for the full breakdown and How We Verify for the classification rules. For the full 13-section coded analysis with state-law overlays, see the 157-Case Benchmark report. Not ready to buy? Read the full sample report first.
These are self-reported accounts from public posts — a documented sample, not a statistically representative survey of insurer behavior.
Questions, interview requests, or data requests: [email protected]. If the button does not open a compose window, copy the address as plain text: contact@petclaimlog.com. To report a factual error in any case summary or statistic, see our corrections policy.