PawClaim tells you exactly what your policy covers, how to file your claim, and what to do when they say no, in plain English, not legalese.
Free ยท No signup required ยท 60 seconds
From pre-visit checklists to appeal letters, PawClaim gives you the tools to navigate pet insurance like a pro.
Premiums going up? We calculate whether switching saves money or costs you coverage you cannot get back.
Try it free โThinking of skipping a vet visit? Check if your insurance covers it first, and find out which diagnostic tests are reimbursable.
Try it free โAI-powered scan of your policy for hidden risks, coverage gaps, and breed-specific warnings before your next claim.
Get Pro โFind out if your pet insurance is actually working for you. Free 60-second analysis.
Try it free โDenied claim? We write a precise, state-aware appeal letter that cites your policy language and your state's consumer protection laws.
Get Pro โNever miss a claim because of a missing document. Personalized for your insurer.
Try it free โTraveling with your pet? Get official import requirements for 100+ countries and 20+ airlines.
Try it free โHonest financial guidance for your aging pet: insurance, costs, and what to expect.
Get Pro โMost wellness plans don't roll over. See your remaining balance and what to book before it resets.
Get Pro โShare your pet's emergency info, insurance, and medical details with your vet, sitter, or family.
Try it free โAdding pet insurance to your employee benefits? Get a personalized group plan recommendation.
Try it free โSome insurers calculate payouts differently and pay less than expected. Check the math before your claim arrives.
Get Pro โMost pet owners overestimate insurance costs and underestimate vet bills. See your real numbers.
Try it free โPlain-English guides on appeals, deductibles, pre-existing conditions, vet bill help, and more.
Try it free โUpload a photo and we transform it into a beautiful portrait, delivered instantly as a high-resolution digital download.
Fill in your pet's details and download a personalized, print-ready planner. Pro members get 50% off automatically.
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.
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.
For most owners, pets are family members. When they're sick, you shouldn't also be stressed about insurance paperwork.
Policies are written to be confusing. Deductibles, co-pays, exclusions: PawClaim decodes all of it in plain English.
Every premium you paid is a promise from your insurer. PawClaim helps you hold them to it, especially when they try to say no.
PawClaim is 100% independent. We have no relationship with any insurance company. Our only job is to help you get what you deserve.
No insurance jargon. No 45-minute hold music. Just clear answers and ready-to-send documents.
Describe your pet's treatment in plain language. No forms, no codes. Just talk to us like a friend.
Drop your policy PDF and we read it instantly. We'll tell you exactly what's covered for your specific plan.
We generate a completed claim form, a cover letter, and a step-by-step submission guide tailored to your insurer.
Claim rejected? We draft a professional appeal letter citing your insurer's own policy language. Most appeals succeed.
From policy analysis to appeal letters, PawClaim covers the entire claim journey.
Upload your policy PDF. We translate the fine print into simple answers: what's covered, what's excluded, what your deductible really means.
Upload your vet bill and we break down each line item, showing which charges qualify for reimbursement and which don't, with exact dollar estimates.
We pre-fill your claim form based on your vet records and policy. Submit with confidence, with no missing fields and no rookie mistakes.
Denied? Our AI writes a firm, professional appeal that quotes your insurer's own policy. Insurers respond better to well-cited letters.
Every insurer has a claim filing window, and missing it means you forfeit coverage. We remind you before it's too late.
Trupanion, Embrace, Nationwide, Lemonade, Pets Best, Healthy Paws and more. We know each company's quirks, requirements, and red flags.
We believe in being upfront. Here's what we are, and what we aren't.
PawClaim is an AI assistant, not a licensed attorney. We help you understand your policy and communicate clearly, but we're not legal counsel.
We have no partnerships, referral fees, or relationships with any pet insurance company. We work for you, not them.
We give you the best possible shot at a successful claim, but we can't guarantee outcomes. Insurance companies make the final call, we just make sure you show up prepared.
PawClaim helps with the insurance side of things. For medical decisions about your pet, always consult a licensed veterinarian.
We support all major pet insurance providers. Highlighted companies have full claim form automation.
โTrupanion denied my claim saying it was pre-existing. PawClaim wrote an appeal letter and I got $3,200 back within 2 weeks. Worth every penny.โ
โI had no idea my policy had a 90-day filing window. PawClaim caught it and reminded me before I lost $1,800 in coverage. This app literally pays for itself.โ
โThe policy reader alone is worth it. I finally understand what I'm actually paying for. Filed my first claim in 10 minutes instead of 2 hours.โ
Start free. Upgrade when you need more. Cancel anytime.
2 claim questions per day. See if it works before you pay.
Everything you need to understand, file, and fight your claim.
How to file a claim, what gets denied, appeal tips: specific to your insurance company.
Plain-English guides on appeals, deductibles, pre-existing conditions, and what to do when you can't afford a vet bill.
Check your first claim for free. No credit card, no signup required.
Free ยท No signup ยท 60 seconds
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.
