I didn’t realize when I paid for the insurance that I would not know the effective date for weeks. I feel this was very misleading during the purchase process (or at least not made very clear) and makes me feel like I got scammed.

Surprised to learn with initial claims processing, how out of sync the vet practices and pet insurance practices are, and I’m still confused about what services will be covered going forward. I’m also still trying to decide if getting a wellness plan was a good decision.

Yes they do cover what they say in your policy but beware! God forbid you make a claim. We had both our dogs covered by these crooks for years until we had to make a claim and then the policy monthly payment jumped by over 50% for the one dog and was ridiculous for the other dog after a claim the monthly jumped to over $250 but only after the claim. Of course they tell you it's because of a whole lot of factors but it sure seems like a really high coincidence that both times we finally made a claim the rates jumped up to the point where after another year that claim they would have their money paid back. Every year the claim would go up, but after a claim it was crazy. Our one dog started at $43 per month, then the next year went to $56, then to $74, then to $105, all with zero claims. Once we had a claim the next policy was going to be $163!!! Stay away!!!! The same thing happened with both dogs after a claim. Kept raising the premium every year and did absolutely nothing. Once they had to cover something it jumped like crazy.

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.

I’m disappointed at how long and frustrating the claims process is. Took them several weeks to finally resolve our claim. Yet they keep increasing my rates. I would not recommend them to anyone

You have become increasing more difficult to deal with. Not linking claims appropriately & trying not to cover things you should be. Making me waste time to call & sit on hold then to argue with someone. I will NOT be getting Trupanion again!!! We will be choosing another company for sure when we expand our fur family. Trupanion sucks.

I have had nothing but trouble with ASPCA. Their communication is poor, their customer service line cannot seem to get it straight was is needed and they do not communicate back to try to resolve an issue. They also say that they have reached out about medical history, but that is not the case. I am so far very unimpressed with ASPCA Pet Insurance

Please save yourself from this scam. They have the worst submission process possible, as well as the worst customer service possible. They make you jump and bend over backwards to even get an approval on a claim. I’ve had to send in multiple bank statements and cleared out my personal information just to prove that I had paid for a vet visit. Please do not please do not sign up for this insurance company.

I had MetLife pet insurance. When I needed to take my cat to the vet on account of vomiting and diarrhea. The exam was pretty standard, the invoice and vet notes I was supplied were straghtforward. Then MetLife tried to say I didn't include the vet notes (but I did). They say it only takes 5-10 days for them to process a claim. I waited 2 weeks and still heard nothing from them. So, I call and ask what is taking them so long. They said they were finalizing my claim. I found out later they had closed my claim and didn't even notify me (yep just dropped it). I felt like they were just jerking me around. So, I had no interest in continuing to talk with them since I had come to see that their costomer service personnel were clearly not honest with their customers. Furthermore I stopped paying them for the policy. Why should I give one more red cent to an insurance company that doesn't uphold their end of things and doesn't compensate their customers claims in accordance with the policies they are paying for? I won't give MetLife any more of my money or my business.