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Professional staff, but disappointing policy interpretation
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.
Insurer: Pumpkin
By: Randi
Pets Best is the best
They deliver on their promises. The claims are paid quickly with NO hassles. $20,000 in bills were paid in 2 weeks. My puppy again $5,600 in bills paid withon 2 weeks. The process is simple. Submitting a claim takes 3 mins. And they're the least expensive. Imagine that!!!
We want to give a shout-out to Becky S
We want to give a shout-out to Becky S. with Trupanion. We intended to drop the insurance on our pet. She reviewed his vet records and pointed out that he may be covered for some of his conditions. She helped us with submitting claims and an appeal and we were reimbursed for some of those costs! She went the extra mile and we appreciate her help! Jean and Greg Miller
Insurer: Trupanion
By: Greg Miller
Covered services confusing
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.
Insurer: Pumpkin
By: New puppy mom
Happy Pets Bedt Customer Since 2019!
Love the ease of filing a claim and getting reimbursed to my checking account. The customer service team is friendly and caring if I ever have to call. It’s nice being able to actually reach a real live person. Very pleased with Pets Best since 2019.
Insurer: Pets Best
By: Barb
The customer service representative was…
The customer service representative was so helpful. It was my first time putting in a claim and she walked me through everything I needed to do. Made it so easy
Insurer: Fetch
By: Josie
We had a $500 deductible with my dog’s…
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.
Insurer: Trupanion Canada
By: Nina Biers
I didn’t realize when I paid for the…
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.
Insurer: Nationwide
By: Kelli Bateman
Ease of tool with filing a claim
Ease of tool with filing a claim. However the statement needs some work. It isn't clear amd requires me to call for an explanation.
Insurer: Fetch
By: Lori