Ministerial claims processing
Data compilation, packet assembly, submission, and routine follow-up — ClaimTail operates strictly within this boundary, never evaluating coverage or authorizing payment.
The most complete veterinary insurance claim pack a practice can send.
ClaimTail assembles a documentation-complete Claim Submission Pack — every required field extracted, every insurer-specific requirement checked, and a trained claims reviewer signs off — then submits it within 24 hours under your client's own signed claims authorization.
Every insurer's requirements, maintainedMedical record + invoice extractionTrained claims reviewer sign-offSubmission within 24 hoursOutcome-based pricing
Why claims fail
A single missing field can delay or deny the entire claim.
Every insured client's visit generates a claim that has to be manually pulled from the medical record and itemized invoice and submitted in whatever format that specific insurer requires. Only Trupanion offers a real vet-side submission tool, and even that requires the clinic to run it. Every other major insurer — Healthy Paws, Nationwide, MetLife, Pets Best, ASPCA, Embrace, Lemonade, Fetch, Spot, Prudent Pet — leaves the pet owner to gather the paperwork.
The work falls to whichever front-desk staffer has ten free minutes, at practices that are already short-staffed. This manual process is prone to errors, delays, and ultimately, client dissatisfaction.
ClaimTail exists to close that gap with a single, exhaustive standard applied identically to every file.
1 of 10
claims delayed or denied due to missing information
The benchmark
Measured against each insurer's requirements — field by field.
We do not summarize the requirements and hope. Every pack is scored against a versioned rule pack tied to the exact requirements of each major pet insurer. These are the provisions each pack is held to.
No discretionary claims handling
ClaimTail never determines coverage, authorizes payment, or negotiates settlements. Coverage disputes are routed for practice-level escalation.
No producer/broker activity
ClaimTail does not sell, solicit, or advise on insurance policies. All messaging is scoped to claims-processing assistance for existing policies.
Data privacy and security
Encryption in transit and at rest, minimal retention, per-practice data isolation, and no customer documents used for model training.
Client claims authorization
Every claim processed requires the pet owner's signed authorization naming ClaimTail as their processing agent for that specific claim.
Submitted-or-Free Guarantee
If a Claim Submission Pack is not submitted within 24 hours of complete intake, that pack is free. No outcome guarantees on insurer decisions.
How a pack is built
Intake to claims reviewer release, with deterministic gates the AI cannot overrule.
AI extracts and drafts. Deterministic rules — running as code, outside the model — decide what is complete. A human claims reviewer signs every release. That order is never reversed.
01
Visit Record Intake
Upload the medical-record export and itemized invoice. AI extracts all relevant fields with verbatim source quotes.
02
Insurer-specific checklist
The extracted data is checked against a maintained completeness checklist for that specific insurer's requirements.
03
Grounded drafting
The claim form is drafted from your validated data and the insurer's rule pack into field-locked templates — no legal opinions, no invented facts.
04
Deterministic completeness gates
All required fields are present, source quotes are verified, and the client's claims authorization is on file. Any failure blocks release.
05
Claims reviewer release
A trained claims reviewer reviews the exception queue and signs the release. Any clinical appeal language is approved by a DVM or credentialed technician.
06
Submission & Tracking
The Claim Submission Pack is submitted within 24 hours. You receive a submitted claim confirmation and a tracked status link for both the practice and the client.
The bar we hold
Rigor you can measure.
100%
Claims reviewer-released
No pack ships without a human signature.
24 hours
Submission SLA
From complete intake to submitted claim.
<1%
Critical-defect target
Tracked against a gold-standard pack library.
10+
Major insurers supported
Healthy Paws, Nationwide, MetLife, Pets Best, ASPCA, Embrace, Lemonade, Fetch, Spot, Prudent Pet, and more.
Why ClaimTail
Built to be the most thorough option a veterinary practice has.
Documentation-complete, by design
The deliverable is completeness itself — every insurer-specific field and requirement accounted for or explicitly exception-coded. Nothing is left implicit.
Deterministic, not vibes
The gates that decide completeness are code, not a model's opinion. A drafting error cannot slip past an insurer's requirement.
In its lane, on purpose
We prepare documentation and submit claims as your client's processing agent. We never determine coverage, authorize payment, or negotiate settlements.
Engagement
Flat fee, per claim submitted. Outcome-based, never hourly.
Simple, predictable, and aligned with a documentation standard — not a cut of any recovery.
- A free Delinquency Gap Scan before you commit — see exactly what is missing.
- One flat fee per claim submitted; no contract, no long-term commitment.
- Optional fixed-fee Denial-Appeal Service with DVM/credentialed-technician sign-off on clinical language.
- Optional Eligibility & Monitoring Retainer for proactive benefit checks and claim tracking.
FAQ
Questions, answered precisely.
Is ClaimTail a law firm?
No. ClaimTail, a service of Your Deputy, Obuke LLC, provides documentation-completeness and claims-submission services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter.
Do you contact the pet owner or collect the debt?
Never. ClaimTail is not a debt collector and does not contact pet owners or debtors. The practice remains the service provider and the party responsible for all client communication and billing.
What makes a pack 'complete'?
Completeness is defined by each insurer's requirements: all required fields present, source quotes verified, and client claims authorization on file. Deterministic gates enforce each one before release.
How fast is it?
The standard SLA is 24 hours from complete intake to a submitted claim. The free Gap Scan is returned much sooner and tells you exactly what is still needed.
How are you priced?
A flat fee per submitted claim, outcome-based. No contingency and no percentage of any recovered amount or insurance proceeds.
Stop chasing insurance paperwork and start shipping claims.
Start with a free Delinquency Gap Scan. Send your ledger and vessel details and we'll return a completeness read against every subsection of §328.17.
Documentation-completeness service · not legal advice · the practice remains the client-facing party.