Why 12–18% of pet insurance claims get denied — and what clinics can do about it

Denials are rarely about fraud. They are about documentation gaps, coverage mismatches, and timing. Here is how the AI Confidence Engine closes each one.

By Quill's Direct Vet Care

Across the industry, between 12% and 18% of pet insurance claims are denied. Most of those denials are preventable.

Documentation gaps

When the SOAP note does not clearly support the diagnosis, the insurer has no choice but to question the claim. The AI Clinical Scribe writes the note as the exam happens, so the record and the diagnosis are assembled from the same source.

Coverage mismatches

A treatment can be clinically correct and still fall outside the policy's terms. QuillsFlow cross-references the diagnosis against coverage limits before the claim is filed.

Timing

Claims filed days after the visit lose context. QuillsFlow files at checkout, while the encounter is still complete and current.

The AI Confidence Engine scores every claim 0–100 and always pairs the score with a plain-language reason — never just a number.