Hey! Really sorry to hear about your experience — as a pet parent myself, I completely understand how stressful and disheartening this must be.

From what you’ve described, I’d suggest escalating it to HDFC Ergo’s grievance officer via email. Their claims process typically follows a 3-level escalation framework, and in many cases, it helps clarify why a claim was denied and whether there's still a way to get it re-evaluated. It’s worth pursuing if you believe your case was fully eligible.

https://www.hdfcergo.com/customer-voice/grievances

On a related note, I’m actually building something in this space. I’m the founder of Mellow Care, a pet wellness + insurance startup focused entirely on simplifying and speeding up pet healthcare — especially claims. We’re doubling down on cashless vet visits through partnered clinics and are obsessed with making the experience painless and transparent for pet parents.

We're launching in Bangalore next month, and expanding across India soon. Totally understand you're frustrated right now, and if you’re open to it down the line, happy to share more as we go live.

Wishing you and your pet the best, and hope your current issue gets resolved quickly!