florida pet insurance claim lawyer

Florida Pet Insurance Claim Lawyers For Denied Claims

Call: (561) 588-2781 - Free Consultation

Pet Insurance claims are on the rise in Florida and throughout the country. People purchase pet insurance for one reason, to have their pet insurance claim paid when they need it the most. Monthly pet premiums are supposed to cover expensive vet bills. Unfortunately, like auto insurance and homeowner's insurance, pet insurance carriers routinely deny claims to save money. Since Covid, there has been a proliferation of pets insured by carriers. This may be due to an increase in overall pet ownership and because more people are working remotely. People are caring for their pets like they are caring for themselves or their children. Pets are family. Contact our office for a free consultation if you pet insurance carrier has denied your claim. 

What does Florida Pet Insurance Cover?

Pet insurance reimburses you for veterinary bills pursuant to the conditions of your pet insurance policy. After your deductible is met, the pet insurance company may reimburse you for some or all of the bill.  Pet insurance is supposed to cover treatment for:

1. Injuries (bites, broken bones, etc.)

2. Surgery

3. Diseases (heart conditions, diabetes, etc.)

4. Cancer treatment

5. Genetic conditions (hyperthyroidism, hip dypsplasia). 

6.  Unexpected illnesses

7. Diagnostic Treatment and ER Bills. 

Florida Pet Insurance Companies

Were you issued a pet insurance policy in Florida? Here is a list of some of the common pet insurance carriers that issue insurance policies. We can help you if your claim was denied by any of these carriers. 

  • Trupanion:  Trupanion is underwritten by American Pet Insurance Company. US NEWS gave Trupanion a 3.9 out of 5 rating.  It offers pet insurance policies for cats and dogs.  If your Trupanion claim was denied, we can help you at no cost to you. 
  • Embrace:  Embrace is underwritten by American Southern Insurance Company. US NEWS gave Embrace a 3.9 out of 5 rating.
  • Lemonade Pet Insurance
  • Spot Pet Insurance
  • Nationwide Pet Insurance
  • Pets Best
  • Healthypaws 
  • FIGO
  • ASPCA Pet Health Insurance
  • Fetch By The Dodo

Pet Pre-Existing Condition Denials

Insurance companies commonly deny pet insurance veterinary bills claiming the condition was preexisting.  Many times, we have clients who can provide us with veterinary records that indicate the condition was not preexisting. Do not let an insurance company fail to reimburse you if they erroneously conclude your pet's condition was preexisting.  

Florida Embrace Pet Insurance Denial

Was your embrace pet insurance claim denied? Our law firm is frequently seeing denials by Embrace for "pre-existing conditions." These denials typically are based on a report by a veterinarian. However, Embrace seems to be issuing denials with little or no merit. Contact our law firm at 561-588-2781 for a free consultation about your Florida Embrace Pet Insurance claim. We have the ability to file an embrace pet insurance lawsuit to recover money that you paid out of pocket for your pet's veterinary bills. 

Florida Fetch Insurance Denial

Florida Trupanion Insurance Denial

Was your Trupanion pet insurance claim denied? We can help you with your Trupanion denial. Were you denied because the adjuster claimed your pet had a "pre-existing" condition? We see these types of denials frequently and we can help you with your claim.  You may not have a deductible on your Trupanion policy. If your claim was denied for waiting period issues, pre-existing coverage denials, or issues pertaining to your deductible, we may be able to help you. 

Florida Lemonade Insurance Denial

We can help you with your Lemonade pet insurance denial. Lemonade Insurance is based out of New York. Lemonade is a publicly traded company. It provides multiple types of coverage such as renters insurance, home insurance, car insurance and pet insurance. Lemonade offers pet insurance in many states including Florida. Their website states they offer preventative packages including packages for wellness exams, fecal or internal parasite testing, heartworm testing, bloodwork and vaccines. 

Reasons for a Lemonade insurance denial may consist of denials pertaining to waiting periods or denials for pre-existing conditions. 

If your Florida Lemonade Pet Insurance claim was denied, contact our office today to speak to our pet claim insurance lawyers at 561-588-2781 for a free consultation.

Florida Spot Pet Insurance Denial

Was your Spot pet insurance claim denied? We can help you with your Spot pet insurance denial. Were you denied because the adjuster claimed your pet had a "pre-existing" condition? We see these types of denials frequently and we can help you with your claim. 

Pet Insurance Appeals

Many times pet insurance companies will offer you the ability to appeal the claim denial.  I have seen insurance policies that require the insured to appeal their claim within fourteen days of the claim denial. Additionally, many of these companies not only deny the first claim, but will then deny the second appeal if you decide to appeal it twice. Again, insurance companies make money by denying claims and keeping your premiums. 

Florida Pet Insurance Denials 

Was your pet insurance claim denied in Florida? 

Our law firm frequently sees pet insurance denials. Many of the reasons are similar to denials for humans; pet insurance companies deny bills for "pre-existing conditions" for pets, just like they do for humans. 

Our pet insurance lawyers can help you by suing your pet insurance company to recover the money you paid out of pocket for your pet's veterinary treatment. This is at no cost to you, because if we win, the insurance company pays our attorney's fees. We only get paid if you win.

Call us today for a free consultation at 561-588-2781 to speak to a Florida Pet Insurance Lawyer about your case.