Pet Insurance vs. Pet Wellness Programs: What’s Covered and What’s Not?
Florida Pet
Insurance Attorneys
No Recovery,
No Fee.
We help pet owners get the insurance benefits they are entitled to, so pets receive all the veterinary care they deserve.
ABOUT US
Daniel and Robert Gross: Florida’s Trusted Pet Insurance Attorneys
Robert and Daniel Gross—father and son attorneys—have led independent legal practices for decades. Now, they’ve joined forces under one boutique law firm to provide focused, effective, and compassionate legal support.
As seasoned insurance claim attorneys, Daniel and Robert Gross have spent decades fighting for clients in the face of denied, delayed, or underpaid insurance claims. Their track record includes over 100 jury trials and thousands of resolved cases across Florida and beyond.
Today, they bring that same commitment as Florida’s Trusted Pet Insurance Attorneys, representing pet owners who have been unfairly denied coverage for their dogs, cats, or other beloved animals.
When you work with us:
- You pay nothing unless we win.
- We review your denial for free.
- We handle all communication with the insurance company.
Whether your claim was denied due to a pre-existing condition, deductible dispute, or waiting period exclusion, our firm knows how to fight for the benefits you are entitled to.
We understand: your dog or cat isn’t just a pet—they’re family.
COVERAGE
What Does Pet Insurance Typically Cover in Florida?
Florida pet insurance policies may cover routine check-ups, vaccinations, preventative treatments and major medical events, such as:
Injuries (broken bones, lacerations, bites)
Cancer treatment
Surgery
Unexpected illnesses
Chronic diseases (diabetes, kidney disease, heart conditions)
Emergency diagnostics & hospital visits
Genetic conditions (hip dysplasia, hypothyroidism)
Our Florida Pet Insurance Attorneys can analyze your denial and determine whether the insurer acted lawfully.
ABOUT CLAIMS
More Americans than ever are investing in pet insurance to protect the health of their dogs, cats and other beloved animals.
When you take your pet to the veterinarian for treatment, you typically pay the bill upfront. Afterward, you can file a claim with your pet insurance provider to get reimbursed for a portion of those costs, depending on your policy’s coverage. But when it matters most—after an emergency surgery, unexpected diagnosis, or chronic illness—many find their pet insurance claims denied, leaving them with painful decisions and overwhelming veterinary bills. If this sounds familiar, you’re not alone.
Pre-existing conditions, vague policy language, and “waiting period” loopholes are some of the most common excuses pet insurance companies use to avoid paying out.
That’s where we come in with over 50+ years of combined insurance law experience, we’ve helped insureds recover money from denied claims across Florida and beyond.
That is why The Gross Group is a Pet’s Best Friend.
insurance companies
We Fight Pet Insurance Denials from All Major Providers
Whether your insurer is Trupanion, Nationwide, Embrace Pet Insurance, Lemonade, Pets Best, FIGO, ASPCA, Spot, Fetch, or another provider, our Florida Pet Insurance Attorneys know how these companies evaluate claims—and how to dispute their denial tactics.
If your pet insurance provider has wrongfully denied your claim, we may be able to help you recover your out-of-pocket costs—and there’s no fee unless we win.
TIME is CRITICAL
Some Policies Require Appeals Within 14 Days
Many pet insurance contain deadlines—sometimes as little as two weeks after denial. If you do not timely appeal, some insurers are known to reject second appeals automatically. Don’t allow a pet insurer to deny your claim based on a technicality. Let us fight for you—and for your pet.
Our Florida Pet Insurance Attorneys help you act quickly, gather proper documentation, and file a strong appeal before time runs out.
Get in touch today
Contact Us
Pet owners deserve the insurance benefits they are entitled to, so pets receive all the care they deserve.
Pet owners deserve the insurance benefits they are entitled to, so pets receive all the care they deserve.If your pet insurance claim was denied, call our office today (305) 203-3273 to speak with a pet insurance lawyer who understands the insurance industry—and how to recover all the benefits you are entitled to. We’ll review your case at no cost to you.
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All about pet insurance claims
FAQs About Pet Insurance Claim
Denials in Florida
Many claims are denied because insurers apply exclusions broadly or interpret minor symptoms as signs of a previous issue. Denials can also occur when medical notes are unclear or incomplete. A pet insurance lawyer can review the claim and determine whether the company followed the policy correctly or overlooked important information.
Yes. Most companies allow an internal appeal, and policyholders can challenge a rejection when the review process was incomplete or unfair. An appeal typically requires updated veterinary documentation and a direct response to the insurer’s explanation. A pet attorney can help organize the evidence and submit a stronger challenge.
Insurers consider any symptom or medical observation documented before coverage began to be a pre-existing condition. This can include mild issues with no diagnosis. These classifications are often disputed, and a pet lawyer can examine the medical timeline to determine whether the insurer is stretching the definition.
Some companies may try to raise premiums or decline renewal after an expensive treatment. While insurers are allowed to make changes at renewal, they must follow state regulations and comply with the terms of the policy. If the adjustment seems excessive, retaliatory, or inconsistent with what the contract allows, a pet insurance lawyer can review the situation, determine whether the insurer acted within legal limits, and advise you on the next steps available under Florida law.
Yes. Florida statutes require insurers to evaluate claims fairly, provide clear explanations, and honor the terms outlined in the policy. When a company denies coverage without proper justification or fails to conduct a complete review, policyholders may seek additional legal remedies. A pet insurance lawyer can examine the denial, assess how the insurer handled the claim, and determine whether state protections apply to your situation.
Detailed medical documentation is key. Veterinary records, diagnostic tests, treatment notes, invoices, and a clear timeline of symptoms help demonstrate whether the condition should fall under the policy’s coverage. Because insurers rely heavily on medical history, accuracy matters.
Pet attorneys use this information to address errors, clarify the medical timeline, and strengthen the case during an appeal or further legal action.
The Gross Group reviews the entire claim file, examines how the insurer applied your policy, and identifies any errors or unfair practices.
Our team prepares a detailed challenge, gathers the veterinary records needed to support your case, and communicates directly with the insurance company on your behalf. If the denial cannot be resolved through negotiation, we are equipped to pursue further legal action to protect your rights under Florida law.
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