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The best pet insurance company
Submitting a claim is super easy
Insurer: Embrace
By: Dennis Alves
Easy to work with
Pumpkin pet insurance is very helpful when I need it. The claim form was super easy to fill out and they refunded my money right away. So glad I chose them for my pet!
Insurer: Pumpkin
By: Jen
Good experience
User-friendly website to submit a claim. The charges were covered according to the contract without any hassle.
Insurer: Spot
By: California visitor
Everything is pre-existing to this company!
I’d used Petplan prior to Fetch buy-out/merger. My golden doodle needed a couple of teeth removed. Claim was paid. I continued getting my dog’s teeth cleaned but her teeth are just a problem. At one point years ago, the vet mentioned that she had signs of gingivitis. BECAUSE of that, she is now and forever considered to have pre-existing dental disease (even though in 2021 prior to that), she underwent dental surgery that was reimbursed by Petplan.. It’s as though they combed through every vet note they could find to make sure she can never be covered for dental surgery again. Their monthly coverage continues to increase without alerting the customer. This is so frustrating. Please don’t mention one word about a tremor or twitch. If they goes into the vet’s notes, your pet will forever have pre-existing everything.
Insurer: Fetch
By: Camille
Great Service
I have been on the fence regarding cancellation due to increased prices. The cost has gone up significantly. When I do require assistance, trupanion has been extremely responsive and very helpful and easy to work with.
Insurer: Trupanion
By: Janet
Horrible, I don't recommend it to anyone.
I purchased this insurance in May 2025, paid for two full months, and when I finally needed it, it was absolutely useless. I spent $200 on routine veterinary exams that the policy clearly states are covered — but of course, they weren’t. Instead, I was asked to provide my pet’s entire medical history from over a year ago. I came from Brazil, where it’s not common for vets to keep such detailed records — we simply don’t have them. So, in the end, I paid PetBest (which is far from “best”) for two months of premiums and then had to pay another $200 out of pocket. Horrible, horrible service. I would never recommend this insurance to anyone. Insurance is supposed to help in times of need — not create more problems and bureaucracy. Now I’m trying to cancel a policy that never helped me and is still charging me through automatic debit — and guess what? There is NO option to cancel it on the website. Absolutely ridiculous.
Insurer: Pets Best
By: Patricia
Easy and Effortless
Ease, with no friction, and quick
Insurer: Trupanion
By: Donny
Smooth claim experience
Excellent claim process
Insurer: Trupanion
By: Build-A-Bike
Easy process and handling of our…
Easy process and handling of our claims. We highly recommend pet owners to have Pumpkin insurance. There are no hoops to jump through when initiating a claim. Straight forward forms and expected documentation needed for claims.
Insurer: Pumpkin
By: Robert Miller
GREAT so far
GREAT so far! Awaiting final approval but so far everything has been great so far. Everything online and payroll deduction.
Insurer: Nationwide
By: customer