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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Lied to trick us into signing up, denied coverage
We asked very specific questions when deciding whether to sign up or not (will this cover exam fees? Dental?). After two separate claims were denied, I'm done. They found 7 different categories to make sure they denied EVERY penny, and after talking to customer service about how their policies are structured, and reviewing the paperwork, the business model is clear - lie to get you to sign up, because there are no consequences to lying. Then collect your money until you file a claim, which they will deny because basically nothing is covered. Then move on.
Insurer: Figo
By: Zach
Helpful and Personable Customer Service
My interaction with customer service when I couldn’t get the expiration date for billing to change was an easy and pleasant experience as all my interactions with Embrace have been. The person who helped me was extremely personable and helpful.
Insurer: Embrace
By: susan s
Poor customer service and poorly managed company
This company's reputation changed in 2025. They had a massive website outage thst caused thousands of customers to lose all access to their accounts. No claims could be submitted, no policy documents could be accessed. Call wait times are often at least 1 hour and good luck getting an email reply that's any kind of helpful. The issue has been ongoing for at least 3 months and the company takes no accountability whatsoever.
Insurer: Pets Best
By: Ariana Antczak
Quick to answer questions
Quick to answer questions. Website easy to navigate.
Insurer: Pumpkin
By: Unlnown
So grateful that I took a leap and changed…
I used to have another Pet Insurance for our fur-daughter for years. So, I confess that I was little nervous when I’ve decided to change and enroll her with Metlife Pet. But now, almost a year later, I am so glad I did! The Metlife Pet team have been always super helpful, claim processing has been easy and super straight forward. Have nothing bad to say about it, just the opposite. MetlifePet: Thanks for being there for us and for helping us to support our Dog Health! We are grateful to have you guys as part of our team!
Insurer: MetLife
By: a devoted dog mom
over changing - no communication
I am submitting this complaint regarding improper billing and failure to resolve an overpayment issue with MetLife Pet Insurance. MetLife Pet Insurance overcharged and withheld funds totaling $540.24, plus an additional $87.63, despite my policy premiums being paid through automatic payroll deductions. My pet insurance payments are deducted directly from my paycheck, and I submitted proof of these deductions after MetLife incorrectly claimed they had not received a payment since September 24, 2025. That statement is inaccurate. I can see the deductions on my paystubs and the payments posted in the MetLife app. At no point did MetLife notify me of a missing payment, which reflects a failure to communicate a billing issue in a timely manner. I first contacted MetLife about this issue on December 4 and was told it would be resolved within 3 to 5 business days. More than a month has passed with no resolution or meaningful follow-up. On December 5, MetLife withdrew an additional $540.24 even though the policy had already been paid through payroll deductions. MetLife also scheduled further prorated withdrawals of over $500 and another charge of over $300 for January 1, which should never have occurred. I canceled my policy solely to prevent additional unauthorized withdrawals. MetLife later claimed that canceling the policy made it harder to resolve the issue, despite having my payment documentation. I made repeated attempts to resolve this matter by phone and email and requested to speak with a manager or supervisor but was not provided access. I spoke with multiple representatives, including individuals named John, Amanda, and Monica, none of whom were able to resolve the issue. Follow-up communications consisted of repetitive questions rather than addressing the documented overpayment. I am requesting a full refund of all overcharged amounts and correction of MetLife’s billing records. This experience has caused me to lose confidence in MetLife Pet Insurance’s billing and customer resolution practices.
Insurer: MetLife
By: M.E Marie
It was a smooth
It was a smooth, simple process to submit the claim. The turnaround time was better than expected.
Insurer: Spot
By: Ginger Kidd
My claims are always processed quickly…
My claims are always processed quickly and if I need to speak to someone they always resolve any questions.
Insurer: MetLife
By: Dee Faltys
Trupanion has been amazing in every way!
Trupanion has been amazing! Our pup has been really sick over the past month, in and out of the vet and the hospital/ICU and Trupanion was incredibily responsive (on the spot!), supportive and we are so thankful for the coverage as well as the overall customer service experience.
Insurer: Trupanion
By: KP
Great customer service
I recently got my two cats insured with Pumpkin pet insurance I filed my first claim and was very happy with my experience We adopted the cat just one year ago and did not have his health history they worked with me and my claim was taken care of in a timely manner my emails were answered promptly overall a five star experience
Insurer: Pumpkin
By: Farnaz