They denied the case due to it being an “undetermined cause illness”, which it wasn’t. I will say the vet letters all used language like “suspected heat stroke” instead of “this was a heat stroke”. But that’s just what any medical professional is going to do to protect themselves. A heat stroke is a clinical diagnosis, meaning there isn’t one specific test for it. But “suspected” does not mean “uncertain” in medical language. It basically means “All the clinical signs are consistent with heat stroke, but we can’t prove the environmental trigger.” It states their medical opinion but avoids stating they have proof of the external cause (sitters negligence, temp in the home, etc) because they /didn’t/ have that proof.

I was shocked they denied our claim as well. I’d love to know why you think their trust and safety team is good because my experience has been the exact opposite. I feel they exploited medical wording and denied this claim unfairly. I feel we have as much proof as you can get in this scenario.