Most pet insurance problems are one-time crises or one-time decisions. We priced accordingly — no monthly subscriptions unless you want one.
Understand your situation before paying anything.
Your claim was denied. Here is how you fight it. One payment, one case, no subscription.
For pet owners who want a watchdog on their side, year-round. Unlimited appeals + renewal protection. Under $9/month.
What $39 at PawClaim gets you vs. the alternative.
| Feature | PawClaim ($39) | Paws & Appeals ($149) | DIY |
|---|---|---|---|
| Appeal letter | ✓ Instant | ✓ 1 week | 🕛 Hours of work |
| DOI complaint | ✓ Pre-filled | – | – |
| State-specific law cited | ✓ | ✓ | – |
| Win-rate estimate | ✓ | – | – |
| Pre-enrollment scan | ✓ Free | – | – |
| Cost | $39 | $149 | $0 + your time |
Is PawClaim affiliated with any insurance company?
No. PawClaim is completely independent and receives no commission from any insurer. We sometimes recommend staying with your current insurer or buying no insurance at all — because that is the honest answer.
Why is the Appeal Package a one-time fee and not a subscription?
Because a denied claim is a one-time crisis, not a monthly problem. We charged $8/month before and it made no sense for how people actually use the tool. Pay once, get your appeal handled.
What if my appeal does not work?
The Appeal Package includes a DOI complaint template — which is often more effective than the appeal itself. We also include guidance on small claims court and consumer protection attorneys. And if you have questions during the process, email us.
What is the difference between the Appeal Package and Guardian?
The Appeal Package covers one case. Guardian is a yearly membership for pet owners who want ongoing protection — annual records scans, renewal watchdog, and unlimited appeal support for $49/year (under $4/month).
Is this legal advice?
No. PawClaim helps you understand your policy and navigate the process. It is not a substitute for an attorney. For complex cases involving bad faith or large amounts, a pet insurance attorney is worth consulting.
What insurance companies do you support?
All major US pet insurers — Trupanion, Embrace, Healthy Paws, Nationwide, Pets Best, Lemonade, Fetch, Pumpkin, Spot, ASPCA, MetLife, AKC, and more.