Guess the Outcome: 10 Real Pet Insurance Claims
Insurers deny, pay, and partially pay claims every day — and the reasons are rarely what people expect. Below are ten real cases from the log. For each one you'll see the pet and the condition. Guess what the insurer actually decided. Then see the real outcome, the insurer's stated reason where one exists, and a link to read the whole story yourself.
Each round draws 10 cases from a rotating pool of 20, so refreshing gives you a new mix. Four possible outcomes per case:
Denied · Paid in full · Partially paid · Premium change
Round over
Our own product (not an affiliate link) — Get the Denial Playbook — $19 — the first-72-hours kit: 3 letters, 5 checks, 27 real appeal cases.
What would you do next?
Someone shared a score with you
Think you can out-guess the insurers? A round takes about three minutes.
About the data behind the game
Every case in this game is a real, logged claim outcome from PetClaimLog's public case log — real outcomes pulled from public Reddit posts and BBB complaints. We don't judge the insurers and we don't judge you: the game just shows what happened and links to the source. The full dataset is downloadable as claims.json (CC BY 4.0), so anyone can recompute or reuse it.