Customer Service
Find out how pet insurance companies treat their customers. These reviews highlight the quality of support, communication, responsiveness, and how well companies resolve issues for pet owners.
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Dedicated company
Pumpkin has been there to support my furry family. The quick response time to claims as well as PNow has been truly a life saver. Without the support of pumpkin, there would have been some difficult conversations with my family. The dedication this team has to its clients through claims and support are making a difference to all pet owners.
Insurer: Pumpkin
By: Robert D
Pumpkin has been very responsive
Pumpkin has been very responsive, upfront and quick to process claims. Just make sure when submitting your claims they are covered. Not all claims and vet visits are refundable.
Insurer: Pumpkin
By: Kellam MaryAnn
SPOT PET INSURANCE IS VERY MISLEADING - DON'T USE SPOT
Spot Pet Insurance is very misleading about what is and isn’t covered under their plans. In my experience, their representatives also provide inaccurate and sometimes contradictory information. Here are two recent examples: Example 1 My dog Oscar developed stomach issues—gurgling, diarrhea, and loss of appetite. Our vet suspected a poultry sensitivity and prescribed a specific diet from JustFoodForDogs, since they avoid cross-contamination of proteins. Before moving forward, I called Spot Pet Insurance, explained the situation in detail, and even provided the vet’s recommendation. The representative told me that if it was a diet-based issue, they would cover the cost of the food for the first month as part of the diagnostic process, though not for long-term maintenance. That sounded reasonable, so I purchased the prescribed food. However, when I submitted the claim, it was denied. When I followed up, I was told it was considered a pre-existing condition because my dog had a “gurgling stomach” noted the previous year. (What dog doesn’t occasionally have a gurgling stomach?) My vet clarified that this was a new and much more serious issue affecting his entire system. Spot advised me to file an appeal. I did—but received no response. After a month, I called again and was told the appeal was denied due to the type of diet prescribed, despite the fact that I had clearly explained this upfront before purchasing anything. They literally changed the reason for denying the claim and paid out nothing. Example 2 My dog later needed two teeth extracted. Again, I called Spot in advance and was told the procedure would be covered. Once I submitted the claim, it was denied. This time, I was told that because a vet had noted minor tartar on my dog’s teeth four years earlier, so any dental issue would be considered a pre-existing condition. Essentially, they would treat all dental problems as pre-existing. My vet explained that the extractions were age-related and unrelated to past tartar, but Spot still denied the claim. Based on my experience, Spot Pet Insurance finds ways to deny claims using overly broad definitions of “pre-existing conditions,” even when issues are clearly new or unrelated. My recommendation: avoid Spot Pet Insurance
Insurer: Spot
By: customer
Nice service
I like how staff in pumpkin pet insurance make me comfort and verry humble
Insurer: Pumpkin
By: Andika Heha
My beautiful wonderful Theodore died…
My beautiful wonderful Theodore died March 22. He was a Yorkshire terrier. He would have been ten years old this May 22. I miss him dearly But one thing I didn’t have to worry about was paying for his vet care which was a lot. I bought insurance when Theodore when he was four months old. Nationwide never questions my bills and always paid thank you Nationwide. I do really appreciate that. I’m 77 year old woman and I would not have had the money to properly take care of him. At least with all the sadness I didn’t have to worry about the cost. If I ever get a companion again I would definitely insure with you Thank you.
Insurer: Nationwide
By: Deb Mann
Pets Best
Happy with my choice of Pets Best for Layla's insurance. Easy to file a claim and Customer support is awesome.
It is very easy to submit a claim…
It is very easy to submit a claim online. Once the claim is submitted, it is processed very quickly, with a refund deposited directly in my account.
Insurer: MetLife
By: Jocelyn Merz
The customer service representative…
The customer service representative took the time to explain where I could find all of my benefits. And when I filed a claim when my Great Dane had to have an emergency surgery, their reimbursement went very smoothly and quickly.
Insurer: MetLife
By: Lori
Time and time again they come through…
Time and time again MetLife Pet insurance comes through for my furbabies needs. We have two policies for 6 kitties and I have never had a problem with them. They are great over the phone and via the app. Thanks for being a great company!
Insurer: MetLife
By: Carolina