Your pet's paperwork,
decoded.
Denied claim? Confusing vet bill? Unread policy? Drop it in — PawClaim reads every line, tells you what it really says, and what to do next. In plain English, not legalese.
POLICYHOLDER: [YOUR NAME]
PATIENT: PEANUT, 4Y GOLDEN RETRIEVER
Everything you need. All in one place.
From pre-visit checklists to appeal letters, PawClaim gives you the tools to navigate pet insurance like a pro.
PawScore
Find out if your pet insurance is actually working for you. Free 60-second analysis.
Try it free →Pro✉️Appeal Letter Generator
Denied claim? We write a precise, state-aware appeal letter that cites your policy language and your state's consumer protection laws.
Get Pro →Free🔄Should I Switch Insurers?
Premiums going up? We calculate whether switching saves money or costs you coverage you cannot get back.
Try it free →Pro🔍Policy Health Check
AI-powered scan of your policy for hidden risks, coverage gaps, and breed-specific warnings before your next claim.
Get Pro →Free🏥Before You Skip the Vet
Thinking of skipping a vet visit? Check if your insurance covers it first, and which diagnostic tests are reimbursable.
Try it free →Free📋Pre-Visit Checklist
Never miss a claim because of a missing document. Personalized for your insurer.
Try it free →Pro🧮Reimbursement Calculator
Some insurers calculate payouts differently and pay less than expected. Check the math before your claim arrives.
Get Pro →Free💵Pet Insurance Cost Calculator
Most pet owners overestimate insurance costs and underestimate vet bills. See your real numbers.
Try it free →Pro🐾Senior Pet Planner
Honest financial guidance for your aging pet: insurance, costs, and what to expect.
Get Pro →Pro💰Wellness Maximizer
Most wellness plans don't roll over. See your remaining balance and what to book before it resets.
Get Pro →Free🔗Pet Profile Share
Share your pet's emergency info, insurance, and medical details with your vet, sitter, or family.
Try it free →Free✈️PawTravel
Traveling with your pet? Get official import requirements for 100+ countries and 20+ airlines.
Try it free →Free🏢HR Benefits Tool
Adding pet insurance to your employee benefits? Get a personalized group plan recommendation.
Try it free →Free📖Guides
Plain-English guides on appeals, deductibles, pre-existing conditions, vet bill help, and more.
Read free →The pet insurance market is growing fast.
More pet owners are protecting their animals than ever before — and with rising vet costs, knowing how to navigate your coverage has never been more important.
Know what they will exclude, before you pay a single premium.
Most pet owners find out about pre-existing condition exclusions after their first denied claim. PawClaim reads your vet records the way an insurance underwriter would, and shows you the traps in advance.
A single vet note about limping or scratching can exclude a condition forever, even without a formal diagnosis. We find every note an underwriter would flag.
Orthopedic waiting periods range from 14 days to 6 months depending on the insurer. If your pet has joint issues brewing, the insurer you pick matters enormously.
Some insurers quietly reduce coverage options at age 5, exclude hip dysplasia at 6, or drop to accident-only at 9. We flag every age threshold before you enroll.
Real analyses. Real findings.
Here is what PawClaim found on two real cases.
For every pet owner who's been there. 🐾
Because the vet bill shouldn't be the hardest part.
You got pet insurance so you wouldn't have to choose between your wallet and your pet's health. PawClaim makes sure that promise is kept.
Pets aren't just animals
For most owners, pets are family members. When they're sick, you shouldn't also be stressed about insurance paperwork.
Insurance is complicated by design
Policies are written to be confusing. Deductibles, co-pays, exclusions: PawClaim decodes all of it in plain English.
You paid for this coverage
Every premium you paid is a promise from your insurer. PawClaim helps you hold them to it, especially when they try to say no.
We're on your side
PawClaim is 100% independent. We have no relationship with any insurance company. Our only job is to help you get what you deserve.
From vet bill to reimbursement, we handle the hard part.
No insurance jargon. No 45-minute hold music. Just clear answers and ready-to-send documents.
Drop your paperwork
Denial letter, vet bill, or policy — upload it and we read it instantly. Or just describe what happened in plain language.
See what it really says
We tell you exactly what's covered for your specific plan, what's excluded, and what your denial letter actually means.
Get your claim package
A completed claim form, a cover letter, and a step-by-step submission guide tailored to your insurer.
Fight back if denied
Claim rejected? We draft a professional appeal letter citing your insurer's own policy language.
Everything you need to get every dollar back.
From policy analysis to appeal letters, PawClaim covers the entire claim journey.
Policy Plain-English Reader
Upload your policy PDF. We translate the fine print into simple answers: what's covered, what's excluded, what your deductible really means.
Vet Invoice Analyzer
Upload your vet bill and we break down each line item, showing which charges qualify for reimbursement — with exact dollar estimates.
Claim Form Generator
We pre-fill your claim form based on your vet records and policy. No missing fields, no rookie mistakes.
Appeal Letter Writer
Denied? Our AI writes a firm, professional appeal that quotes your insurer's own policy. Insurers respond better to well-cited letters.
Deadline Reminders
Every insurer has a claim filing window, and missing it means you forfeit coverage. We remind you before it's too late.
25+ Insurers Supported
Trupanion, Embrace, Nationwide, Lemonade, Pets Best, Healthy Paws and more. We know each company's quirks and red flags.
What PawClaim is not.
We believe in being upfront. Here's what we are — and what we aren't.
Not a law firm
PawClaim is an AI assistant, not a licensed attorney. We help you understand your policy and communicate clearly, but we're not legal counsel.
Not affiliated with insurers
We have no partnerships, referral fees, or relationships with any pet insurance company. We work for you, not them.
Not a guarantee
We give you the best possible shot at a successful claim, but insurance companies make the final call — we make sure you show up prepared.
Not a vet
PawClaim helps with the insurance side. For medical decisions about your pet, always consult a licensed veterinarian.
Works with your insurance company.
We support all major pet insurance providers — with step-by-step claim and appeal guides for each.
There isn't one — here's the honest answer.
Every document you decode makes PawClaim sharper for the next pet owner. We earn money when owners upgrade to Pro to fight their claims — never from insurers, never from clinics, and never by selling your data. We're the only company in pet insurance paid by one side of the table: yours.
Less than one vet co-pay. For the whole year.
Start free. Upgrade when you need more. Cancel anytime.
Free
2 claim questions per day. See if it works before you pay.
- 2 AI questions / day
- Policy plain-English summary
- PawScore (1 pet)
- 1 pet profile + share
- Pet Insurance Cost Calculator
Pro
Everything you need to understand, file, and fight your claim.
- Unlimited AI questions
- Full policy analysis with Pro insights
- Unlimited pet profiles
- State-aware appeal letter writer
- Bilateral exclusion & reclassification appeal arguments
- Senior Pet Planner · Wellness Maximizer
- Reimbursement Calculator
Pet insurance guides
Pet Insurance Claim Denied? Here's What to Do Next
A step-by-step guide to understanding why your claim was denied and how to fight back.
AppealsHow to Appeal a Pet Insurance Denial
Most pet owners don't know they can appeal. Here's exactly how to write a letter that gets results.
CoveragePre-Existing Conditions and Pet Insurance Explained
Pre-existing conditions are the most common reason claims get denied. Here's what counts.
CoverageWhat is a Bilateral Exclusion in Pet Insurance?
Bilateral exclusions catch pet owners by surprise. Here's what you need to know.
Cost AnalysisIs Pet Insurance Worth It? Real Numbers
We break down the real numbers so you can make an informed decision for your situation.
CoveragePet Insurance Waiting Periods Explained
Waiting periods catch pet owners off guard more than almost anything else.
Everything you need to know about pet insurance.
Plain-English guides on appeals, deductibles, pre-existing conditions, and what to do when you can't afford a vet bill.
Your pet deserves every dollar they're owed.
Drop your paperwork or check your PawScore. No credit card, no signup required.
Got an idea for PawClaim?
Maybe there's a tool you wish existed, a feature that would make your life easier, or something we got wrong. Tell us — every PawClaim feature so far started as someone's idea.
Send Idea →