First-Class
A printed letter sent through USPS.
For everyday correspondence. Does not include Certified tracking.
Insurance
Send an insurance claim appeal letter
Tell Genie what was denied and why the denial is wrong. It drafts the appeal, we address it to the insurer, and it goes in the mail.
First-Class from $3.99 · Certified Mail $9.99 with tracking and a delivery record
Prices shown cover a one-page letter. Extra pages and applicable tax cost more; review your total before paying.
See a sample before you start.
A complete fictional example. Genie drafts your letter from your own details, and you review every word.
John Doe
123 Happy Place
Anytown, US 12345
September 16, 2026
Acme Travel Insurance
123 Acme Way, Suite 200
Anytown, US 12345
Dear Claims Review Team,
I am requesting a review of the September 8, 2026 decision on travel claim TC-2048 under policy AT-9012. The decision states that my replacement-baggage purchase was made before the reported baggage delay.
I am asking for a review of that date discrepancy, not assuming that the receipt alone establishes coverage. Please identify any other policy provision or missing information relevant to your decision. I would appreciate a written explanation of the review result for my records.
My purchase receipt is dated August 24, while the airline delay report is dated August 23. Please review these dates and reconsider the claim under the policy terms. Please let me know at john.doe@example.com how to provide the receipt and delay report through your required submission process.
Sincerely,
John Doe
What this letter is
An insurance appeal letter formally asks an insurer to reconsider a denied or underpaid claim. Insurers run appeals as a written process with a deadline stated in the denial letter — often 30 to 180 days from the date of the denial, depending on the plan and the type of coverage. Missing the window usually ends the appeal, so the date you send it matters as much as what it says.
What to put in it
- Your name, policy or member number, and the claim number from the denial.
- The date of the denial letter and the specific reason the insurer gave.
- The service, treatment or loss being claimed, with dates.
- Why you believe the denial is wrong — factual, not argumentative.
- Supporting documents: the denial letter, bills, records, or a provider's letter.
- A clear request that the claim be reconsidered and paid.
Appeal deadlines are counted in days, and the burden of showing you filed on time falls on you. Certified Mail gives you tracking and a record of delivery against the date printed on the denial letter.
From a prompt to the post office in 3 steps.
- 1
Describe it
Say what happened in plain words. No templates to pick.
- 2
Genie drafts & checks
It writes the letter in the right tone and finds the recipient's address.
- 3
Preview and send
Approve the exact letter and we post it. Certified adds tracking and a delivery record.
Choose how to mail it.
Drafting, printing, postage, and handling included. No subscription.
Good to know.
How long do I have to appeal?
The deadline is set by your plan or policy and is stated in the denial letter itself — commonly 30 to 180 days from the denial. Read the denial for your own deadline and allow mailing time inside it; we typically hand a letter off within 1–2 business days and First-Class delivery usually takes about 3–5 more.
Can I include the denial letter and my medical bills?
Yes — upload them and they are printed and mailed behind your letter. Genie can also read the dates, claim numbers and amounts out of them and use those in the draft. Letters run up to 12 pages.
Is my health information kept private?
Your letter and any uploads are encrypted in transit and at rest and stored in the United States. Drafting runs through a US-based AI provider that does not train on your content and retains it only briefly. We never sell your data.
*PostalGenie is a technology tool, not a law firm. Letters generated through PostalGenie are not legal advice and may not satisfy specific legal notice requirements. Consult a qualified attorney for legal matters.
Other letters Genie sends.
Send an insurance claim appeal letter, today.
You say it. Genie drafts and sends it.
Start my appeal letterDisclaimers
- Prices are shown exclusive of sales tax; applicable sales tax is calculated and added at checkout. The base price covers a one-page letter ($3.99 First-Class, $9.99 Certified Mail); for multi-page letters, $0.49 per additional page (and a one-time $5.50 large-letter fee for 6 or more pages) are added and shown before payment. Handwriting, a voice note and read aloud are optional $0.99 add-ons each, offered where available and also shown before payment. Letters may be up to 12 pages.
- Genie is an automated AI system, not a person. It drafts each letter from the information you provide and does not add facts or claims you did not supply. AI-generated output may vary or contain errors; you are responsible for reviewing and approving the final letter, and no letter is mailed without your approval.
- Address lookup and verification rely on third-party data and are provided on a best-efforts basis. Accuracy is not guaranteed; you are responsible for confirming the recipient’s address before sending.
- Delivery times are estimates, not guarantees. Statutory deadlines, notice periods and filing requirements vary by state, contract and program — check the ones that apply to you.