360 Veteran Review: Pricing, Nexus Letters, DBQs, and the VA Warning Letter

360 Veteran presents itself as a medical-evidence company for veterans, not as a VSO, law firm, or claims representative. Its current website offers a free medical-record review, then proposes a customized package that may include a nexus letter, Disability Benefits Questionnaire, or independent medical opinion from a licensed medical professional.

That distinction is the center of this review. A medical-evidence provider can be useful when a claim has a real evidentiary gap, but a paid letter is not a guaranteed approval and it is not a substitute for accredited representation. 360 Veteran's own disclaimer says results are not guaranteed, a doctor may refuse to complete a DBQ or nexus letter, and VA alone decides service connection and ratings.

I built Claim Raven, which competes for some of the same veterans. Treat that as a financial conflict. Claim Raven is self-guided educational software, not an accredited representative or a medical provider. I did not purchase 360 Veteran's service, examine a private customer file, or evaluate a clinician's work product. This is a review of public materials checked on August 27, 2026, including the company's website, terms, privacy policy, disclaimers, public feedback, VA guidance, and a 2024 VA warning letter.

TL;DR

• 360 Veteran currently describes its work as third-party medical evidence, not claim preparation. It says a VSO or attorney should handle the claim process.
• The initial medical-record review is advertised as free. The company does not publish a numeric price for its paid medical-evidence packages. It says customers receive one customized fixed price after consultation.
• Public services include nexus letters, DBQs, and independent medical opinions. A doctor can decline to create one if the clinical record does not support it.
• The website makes aggressive statements about evidence that “wins claims” and evidence VA “cannot ignore.” The company's legal disclaimer is more restrained: no result is guaranteed and VA makes the decision.
• The company says it does not charge a percentage of back pay or a monthly fee. That can be easier to understand than a contingent calculation, but a buyer still needs the full fixed price and refund terms in writing before paying.
• 360 Veteran says it is not VA accredited. It cannot be your representative, file for you, or replace a VSO or attorney.
• VA sent 360 Veteran a warning letter dated August 15, 2024, stating that VA had information suggesting the company may have been engaged in unauthorized claims activity and charging fees. A warning letter is notice of VA's position, not a court judgment or a finding that every service was unlawful.
• The current site appears designed to separate medical-evidence work from claims representation. Public sources do not establish whether VA considered the earlier concern resolved.
• Claim Raven costs $0 to try, $14.99 to $39.99 monthly for its current paid tiers, or $500 for the one-year Pathfinder beta. Claim Raven helps veterans organize, research, and understand their own evidence. It does not sell clinician-signed nexus letters or DBQs.
• 360 Veteran may fit someone with a specifically identified medical-evidence gap who has already discussed the claim with an accredited representative. It is a poor fit for someone expecting representation, guaranteed results, or a price they can compare without first taking a sales call.

360 Veteran at a glance

What 360 Veteran says it does today

The current 360 Veteran homepage says the company provides third-party medical evidence in support of VA claims. Its services page describes three familiar products:

1. a nexus letter addressing the relationship between military service and a current condition;
2. a DBQ documenting symptoms and severity in a format VA recognizes; and
3. an independent medical opinion that reviews records and gives a professional analysis.

The site also says 360 Veteran works alongside a veteran's VSO or attorney. That is an important and sensible boundary. A clinician can offer a medical opinion, while an accredited representative can advise on a claim, communicate with VA, and handle representation within the authority VA grants.

The company says its process begins with a free review of medical records. If the team believes more evidence may help, it recommends an evidence package and gives one fixed price. The public pages do not say how many pages may be reviewed, which specialties are available, how records are transferred, how long the work takes, or how revisions work. Those are not small details when a veteran may be paying for a document that needs to survive VA scrutiny.

What 360 Veteran does not do

The professional and VA disclaimers say 360 Veteran is not a law firm, does not provide legal advice, is not associated with VA, and is not accredited to prepare, present, or prosecute VA claims. The site also tells veterans to use a VSO or attorney for the claims process.

In practical terms, 360 Veteran should not be expected to:

• become your representative of record;
• access VA systems as an accredited representative;
• choose an appeal lane for you as legal advice;
• sign and submit claim or appeal forms for you;
• communicate with VA on your behalf; or
• guarantee a rating, effective date, or amount of back pay.

If a sales conversation sounds broader than those published limits, ask the company to identify the exact service in writing. Labels matter less than what the staff actually does with your facts and documents.

Pricing: the free review is clear, but the paid number is not public

360 Veteran advertises the medical-record review as free. It also says the resulting paid package has one customized fixed price, with no percentage of back pay, monthly fee, or surprise charge. That structure has a potential advantage: the cost should not rise merely because VA awards more back pay.

The major limitation is that the website does not publish the actual range. A customer cannot compare 360 Veteran with another clinician or evidence company without first sharing information and taking a consultation.

Before paying, request an itemized written quote showing:

• the total charge, taxes, and payment schedule;
• each document included;
• the clinician's name, license, state, and specialty;
• the records and page count included in review;
• whether an examination or interview is included;
• the expected delivery date;
• the number and scope of factual revisions;
• what happens if the clinician cannot support the requested opinion;
• whether expedited work costs more; and
• the exact refund and cancellation rules.

Do not accept “fixed price” as a complete price disclosure. The fixed number and the deliverables must appear in the same agreement.

The refund question needs a written answer

The public terms of service contain broad website and account provisions, but the pages reviewed did not disclose a clear service-specific refund schedule for a nexus letter, DBQ, or medical opinion. The disclaimer does say a doctor may refuse to complete a document if the doctor believes the veteran is not truthful.

That raises a practical question: what happens to the customer's payment if the doctor declines, cannot reach a supportive opinion, or concludes that the records do not support the theory discussed during intake?

A responsible medical professional must be free to disagree with a customer. The financial consequence should be clear before records are transferred or payment is taken. Ask whether the free review happens before any charge, whether a non-supportive review is itself the purchased product, and whether any unused portion is refundable.

Also ask about cancellations after document review begins, missed appointments, late records, rescheduling, and charge disputes. Save the version of the terms, invoice, checkout screen, and order confirmation that controlled your purchase.

Nexus letters, DBQs, and IMOs are different products

Marketing pages often place these documents together, but they serve different purposes.

A nexus opinion addresses medical causation. A persuasive opinion usually identifies the records reviewed, uses the correct evidentiary standard, explains the medical reasoning, and addresses important contrary evidence. A conclusory letter is not automatically valuable because it includes the phrase “at least as likely as not.”

A DBQ focuses on diagnosis, symptoms, functional limits, and rating criteria. VA may still order its own compensation and pension examination. A private DBQ does not control the rating.

An independent medical opinion can address causation, severity, conflicting evidence, or another clinical question. The value depends on the expert's qualifications and reasoning, not the title of the document.

VA's public DBQ page explains that veterans may have a healthcare provider complete a DBQ and submit it as evidence. VA also warns that it may still request an examination when needed. A buyer should therefore ask what evidentiary question the paid document will answer and why existing records do not already answer it.

The clinician matters more than the brand

360 Veteran says licensed medical professionals produce its evidence. The services page also refers to a personal consultation with Dr. Crane. The public pages reviewed did not provide enough information to verify which clinician would handle every condition or whether the same professional conducts intake, record review, and signing.

Before engaging any medical-evidence company, verify the actual signer through the relevant state licensing board. Confirm that the license is active and that the specialty fits the opinion. A psychiatrist, audiologist, orthopedic clinician, sleep specialist, and primary-care clinician do not bring interchangeable expertise.

Ask whether the clinician personally reviewed the full relevant record, whether the company uses contractors, and whether anyone receives compensation that depends on a favorable conclusion. Also ask for the final letter before it is sent anywhere. Names, service dates, diagnoses, medication history, and quoted records should be checked against the source material.

Marketing claims versus the legal disclaimer

360 Veteran's homepage and services page use forceful language. They say the company provides evidence that “wins claims,” medical evidence VA “cannot ignore,” and documentation that helps maximize a rating. The homepage also displays company-reported figures including more than $4.2 billion in benefits delivered, more than 4,500 veterans helped, and a statement that 95 percent report ratings of 70 percent or higher.

The results disclaimer is much more cautious. It says results are not guaranteed, estimates are based on past-client generalizations, and VA alone decides whether a condition is service connected and what rating applies. It also says testimonials are individual experiences and should not be treated as typical.

The disclaimer is the safer way to read the offer. The public site does not show an audited dataset defining the $4.2 billion figure, the 4,500-person denominator, how the 95 percent statistic was collected, whether respondents were all customers, or what their starting ratings were. A 70 percent rating after using a service does not by itself prove the service caused that rating.

The August 2024 VA warning letter

VA sent 360 Veteran a warning letter dated August 15, 2024 after stating it had received information indicating the company may have been engaged in unauthorized preparation, presentation, or prosecution of VA benefits claims and charging fees for that assistance.

The wording requires care. This was a warning and notice of federal law. It was not a criminal conviction, a civil judgment, or a finding that every customer interaction violated the law. The publicly released letter does not establish what happened after the company responded.

The current 360 Veteran site draws a clearer line than a broad claims-consulting offer would. It says the company provides medical evidence, does not coach the veteran, does not replace a VSO, and is not accredited for claims work. That present-day positioning is relevant. It does not erase the historical letter or prove that VA formally closed the matter.

Before paying, ask 360 Veteran whether its current agreement has been reviewed in response to the letter, whether VA issued any follow-up, and whether any service offered in 2024 has been discontinued or changed. A written answer is more useful than speculation from either a reviewer or a salesperson.

Accreditation and the representation boundary

VA's accreditation guidance explains that accreditation authorizes an individual to assist in the preparation, presentation, and prosecution of claims. VA's get-help page says an accredited VSO representative can help with claims and decision reviews for free, while accredited attorneys and claims agents may charge under applicable rules.

Medical professionals do not need VA accreditation merely to examine a patient or give a medical opinion. The important line is whether a company or unaccredited employee moves from general support or medical evidence into individualized claim preparation and representation.

Veterans do not have to resolve that legal boundary alone. Use VA's accreditation search to verify anyone who says they can represent you. If you buy only medical evidence, keep the engagement focused on the clinical question and have an accredited representative review how it fits the claim.

Privacy and medical-record handling

The 360 Veteran privacy policy describes collection of personal information and possible sharing with service providers and business partners. It says the company does not sell, rent, or lease customer lists. Its retention language is based on how long information is needed for the purposes described and other legal or business considerations, rather than a simple fixed deletion schedule.

The public policy reads like a general website privacy policy. It did not give the medical-record-specific detail I would want before uploading a full C-file, treatment record, Social Security number, or VA decision. That does not prove weak internal practice. It means the public disclosure leaves important questions open.

Ask, in writing:

1. What upload system receives the records?
2. Are records encrypted in transit and at rest?
3. Which employees, contractors, clinicians, and vendors can access them?
4. Where are they stored and for how long?
5. Does the company retain a copy after the clinician finishes?
6. How can the veteran download and delete the file?
7. What happens to backups and derived notes after deletion?
8. Is any data used for marketing, model training, or unrelated analytics?
9. What breach-notification process applies?

Share only records relevant to the stated question. Remove account numbers and unrelated identifiers when possible, and keep your own complete copy.

What public reviews can and cannot prove

Public testimonials can reveal patterns worth asking about. They can show whether people describe clear communication, timely delivery, professional interactions, or problems with refunds and expectations. They cannot establish a typical approval rate, prove medical quality across every clinician, or show what would have happened without the service.

360 Veteran publishes favorable testimonials and performance figures on its own site. Those are selected and presented by the company. BBB displayed three customer reviews and a 3.67 out of 5 average when checked, with two positive accounts and one report of a missed appointment. Its complaint page showed no complaints in the preceding three years. Three reviews are far too few to estimate customer satisfaction or outcome rates, and zero BBB complaints is not proof that no dispute occurred elsewhere.

Claim Raven has the same limitation. As of August 27, 2026, Claim Raven's review page displayed a 4.3 out of 5 average from 54 logged-in accounts: 35 five-star, 8 four-star, 6 three-star, 2 two-star, and 3 one-star ratings. Some users praise the tools and support. Others report learning curves, saved-work frustration, or upload-size limitations. Logged-in status helps show the account existed, but it does not prove a VA outcome or make each account an independent representative sample.

Use reviews to form questions, not to outsource the decision. The most probative evidence is still the written agreement, the clinician's credentials, the finished document, and whether the reasoning matches the record.

360 Veteran versus Claim Raven

The two services overlap only at the edges. 360 Veteran sells human-produced medical evidence. Claim Raven sells self-guided research, organization, document analysis, and educational software.

Claim Raven is the better first step when you do not yet know whether a medical opinion is necessary. A veteran can start free, organize the evidence, read the decision's reasons and bases, and identify the exact gap before paying a clinician. The monthly plans remain far below the likely cost of individualized medical evidence, although 360 Veteran does not publish enough pricing to calculate the exact difference.

360 Veteran may be the more relevant service when an accredited representative or a careful record review has already identified a genuine medical question that requires a licensed clinician. Claim Raven cannot replace that clinician. In either case, Claim Raven's $500 Pathfinder beta is not representation and does not include a signed medical opinion. It provides a one-year guided software experience, Plus-level access, and one Raven Cipher analysis, with the veteran retaining control.

Claim Raven's current published refund terms are also easier to inspect before checkout. The first subscription payment has a 14-day refund window. Pathfinder costs exactly $500 paid in full or six payments totaling exactly $500: five payments of $83.33 and a final payment of $83.35. Its full-payment Fair Exit Promise runs through day 60. After that, an access-based refund calculation applies during the 365-day term. 360 Veteran should be asked to match that level of service-specific clarity in its quote.

Who may be a good fit

360 Veteran may be worth interviewing if you:

• have already identified a specific medical-evidence gap;
• want a clinician to review relevant records;
• need a nexus opinion, DBQ, or IMO that the clinician independently supports;
• have an accredited VSO, agent, or attorney handling claim strategy;
• prefer a fixed fee instead of a back-pay percentage; and
• are willing to verify the signer and review every factual statement.

Who should probably choose another path

Look elsewhere if you:

• expect 360 Veteran to represent you or file the claim;
• want a guaranteed favorable opinion or rating;
• need a public price before speaking with sales;
• have not yet established what evidence is actually missing;
• cannot obtain written refund terms before paying; or
• would be better served first by a free accredited VSO.

A privately purchased nexus letter is not automatically necessary. If the record already contains competent evidence, paying for another document may add cost without fixing the real problem. If the issue is legal strategy, an accredited representative is the more appropriate professional.

Questions to ask before paying 360 Veteran

1. What is the complete fixed price for my case, including every fee and tax?
2. What exact documents will I receive?
3. Who will sign each document, and where is that person licensed?
4. Does the clinician's specialty match my condition?
5. What records and page count will be reviewed?
6. Is an interview or examination included?
7. What happens if the clinician cannot support a favorable opinion?
8. What is refundable before and after record review begins?
9. How many factual revisions are included?
10. What is the delivery deadline, and what can pause it?
11. Who has access to my medical records, and when are they deleted?
12. What changed after VA's August 2024 warning letter?
13. Has VA sent any follow-up or closure communication the company can share?
14. Will an accredited representative review how the document fits my claim?

Free and accredited alternatives

Before purchasing private evidence, contact a VA-accredited representative. Accredited VSO representatives generally assist for free. State and county veterans-service offices may also help identify what VA says is missing.

If a medical opinion is truly needed, your treating clinician may be able to address it, although many clinicians decline benefits paperwork. You can also compare independent providers and ask each the same credential, record-review, price, revision, and refund questions.

For a self-guided evidence inventory, Claim Raven's free tier can help organize the next questions without pretending to be a medical provider or accredited representative. Paid software can be useful, but it should never be used to manufacture facts or override a qualified clinician.

Bottom line

360 Veteran's current public offer is more clearly bounded than a general claims-consulting service. It says it provides medical evidence, does not replace a VSO, does not represent veterans, and cannot guarantee an outcome. Those are meaningful disclosures.

The biggest buying gap is price and contract detail. The free review is public, but the paid amount, service-specific refund policy, clinician assignment, revision terms, and medical-record lifecycle are not clear enough on the public pages to evaluate without a written quote.

The 2024 VA warning letter belongs in the decision, but it should not be exaggerated. Ask what changed and whether VA responded. Then evaluate the current transaction on its own evidence: a specific clinical need, a qualified signer, a reasoned opinion, a complete written price, and a clear exit path.

Sources and limitations

Primary company sources checked August 27, 2026:

• 360 Veteran homepage
• 360 Veteran services
• 360 Veteran terms of service
• 360 Veteran privacy policy
• 360 Veteran disclaimers

Government and public-record sources:

• VA warning letter to 360 Veteran, August 15, 2024
• BBB customer reviews for 360 Veteran
• VA accreditation FAQs
• VA: Get help from an accredited representative
• VA public DBQs

Claim Raven disclosures used for the comparison:

• Claim Raven pricing
• Claim Raven terms
• Claim Raven security and privacy explanation
• Claim Raven reviews

This review does not determine whether any person or company violated a law. It does not assess a private engagement, inspect an actual 360 Veteran medical opinion, or predict a VA outcome. Public prices, policies, personnel, and services can change. Read the agreement presented at checkout and verify the professional who will work on your records.