Pet Insurance Claim Denied

Hey everyone!

My cat was recently diagnosed with CKD and was hospitalized for 5.5 days racking up 13 grand.

I suspected the claim would be accepted but it was denied since there were symptoms of a “pre-existing condition”.

This is from lemonade.

They replied with two things with stating two dates where his bloodwork showed “signs” of abnormal kidney levels.

They didn’t show me which ones they were talking about but the indicators I’m assuming are his creatinine which went from 1.7 to 2.0 ( this is still within normal range based on blood test 0.6-2.4 ). The vet has specifically said this doesn’t indicate anything as well and can be argued bloodwork can fluctuate easily.

They said the “ Renal Tech Tool “ predicts that he will develop kidney disease in two years and mind you he is 13, but I believe this a bit ridiculous as that’s like saying “ if you’re 70 your chance of developing cancer in 5 years is 95% likely”, this is not a symptom this just a guess to me. The tool is simply a future predictive assessment tool.

So they are basing his denial of his claim off of a predictive future risk tool and that his bloodwork showed signs of abnormal increases, but my vet told me directly that these two things are bad indicators as at the time he was not showing ANY signs as he was not sick ever. Eating normally for the next 1.5-1.75 years and so forth.

What are my chances with a Vet letter describing the issues with this and if as a last resort contact my states insurance?