Pet Insurance Claim Denials:
A 157-Case Benchmark

Data brief · v0.1 (October 29, 2026) · 13 sections + 2 appendices · PDF + DOCX · compiled by the PetClaimLog team

Most public writing about pet insurance repeats carrier marketing. This report does the opposite: it is built from 157 claim stories that US pet owners published in public forums — Reddit threads and BBB complaint records — each one logged, coded, and linked back to its original source. Every number in the report traces to a public post you can open yourself.

What's inside

• The nine reason codes for denials, with a coded example for each
• The pre-existing problem — how a vague pre-enrollment note becomes a denial years later, with waiting periods and bilateral clauses
• Documentation fights — "documents not received", records disputes, and self-treatment clauses
• Appeals — what the 22 appeal stories show, including denials that were reversed
• Money — the amounts owners state in their own words
• Florida & California state overlays — the two most active regulatory environments
• An honest limits section — exactly what this data cannot tell you

Who it is for

• Journalists and editors who need quotable, source-linked numbers instead of another carrier press release
• Carrier and insurtech teams who want to see how consumers actually describe the claims process
• Consumer advocates and independent brokers who need concrete examples of policy-language failure modes

How to get it

$349 — the full edition: PDF + editable DOCX + email Q&A with the analyst (a live call can be scheduled on request), plus ongoing support for sourcing questions on any figure.

$149 — PDF-only, no Q&A, same content. $899 — a custom slice of the data built to your brief (by carrier, state, or denial reason), starting from the same dataset.

The underlying dataset (157 cases, CC BY 4.0) remains free at petclaimlog.com/claims — what you are buying is the coding, the analysis, and the state-law overlays built on top of it.

Order the report — from $149   Free sample first

Checkout is handled by Gumroad (card or PayPal). Prefer paying by invoice, or need a custom slice of the data (by carrier, state, or denial reason)? Email us — or write to contact@petclaimlog.com. Custom slices start from the same dataset.

Method and sourcing rules: How We Verify · Full public dataset: Claim Log · For press use: For Journalists & Researchers