What happens if a claim is denied?

If your claim is denied, it’s typically due to these reasons: 

• Submitting a claim within an exclusion period - Your pet isn't covered the moment you buy your policy. Your policy has different exclusion periods that need to be passed symptom-free before coverage begins. 
• Submitting a claim for a pre-existing condition - Pre-existing conditions aren't covered by Pety Pet Insurance, if any signs or symptoms of those conditions occurred before the exclusion periods ended. 
• Submitting a claim for a non-covered item - Remember, Petsy Pet Insurance is designed to help with unexpected vet costs. Preventative, elective or routine treatments including regular health check-ups, vaccinations and desexing aren't covered. 

If you have any questions about why your claim was denied or need further clarification on your policy coverage, feel free to reach out to us. We’re here to help you understand and make the most of your pet insurance.