Over a month since my kitten had a long string removed from her intestine. Spoke with customer service a week ago who said everything was in order and that it would be completed within a day. My other kittens claim was completed quickly (we didn't know who ate the string off the toy). 10k credit card bill. Ouch! Do payments delays include interest?

Very expensive monthly fee; and Trupanion would not honor one of my former claims even though it was appealed by my vet. My vet said my dog had an ear infection with no sign of allergies at the time of the exam. She said Trupanion only assumed it was.

With the recent rate increase I decided not to continue with the insurance

I have a claim in for oral mass surgery and GI issues - they are sending for review and getting records. The cost was over 1800. I’ve barely used the insurance since I’ve had it for the last 3+ years for my pets. And they say it can take up to 30 business days. I even didn’t use my wellness one year for 2 pets that’s over 500. Pretty disappointed in Pet Embrace. I thought they’d be there when you need them. Now feeling like they are trying to find a way not to pay.

I’ve been with PetsBest for 3 years. Mostly it’s been good. This wellness claim has been a little slow pay. I am sure they have a very conscientious staff that checks every box, but sometimes you just need your reimbursement asap

As my much as I pay each month, I feel it’s not worth it. I haven’t submitted a claim on my dog in a year yet pay approx $50/month. I just submitted a claim for over $300 and barely got $100 covered.

Customer Service is not knowledgeable about how to file claims. Assistance by phone to walk me through a claim process is stressful and I don't feel customer service has been trained sufficiently. The claim process online is not detailed enough, therefore I don't feel I'm getting as much money back as I should. I only signed up with this service because of ASPCA but I will be changing insurance companies soon. MetLife customer service is easier to make claims.

I do not know if I like or dislike yet because I have not used it yet. I just purchased it for my pup.

We had a $500 deductible with my dog’s insurance, and every time she needed care, we had to pay out of pocket. One night, we had an emergency and the $300 visit wasn’t covered because emergencies aren’t covered. On top of that, they raised my premium from $115 to $160 in just one year without notifying me. They’re such a rip-off! If you need pet insurance, go with Costco Pet Insurance – they cover all visits. I will never recommend Trupanion to anyone.

I’ve had a mixed experience with Pumpkin Pet Insurance. On the positive side, every interaction I’ve had with their team has been professional and clear—staff are courteous, responsive, and do a good job of explaining their decisions. That said, I was disappointed by their handling of a claim for a diagnostic heartworm test performed at my rescue dog’s first vet visit. The test was part of her routine wellness care and was clearly preventive in nature, but it was denied solely because the result was positive. I understand not covering treatment for a pre-existing condition, but denying a diagnostic test—whose whole purpose is to determine whether such a condition exists—feels inconsistent with the purpose of the wellness plan. The overall customer service is solid, but policy interpretation in this case felt overly rigid and counter to what pet owners expect from a preventive care plan. I hope Pumpkin revisits how it handles diagnostic testing in similar cases going forward.