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worthless
I'm so lucky my pets don't have preexisting conditions so I was able to switch off of this nightmare. Unable to contact them or get any kind of reimbursement. Haven't been able to log in for 3 months through the app or website. Instead only get errors. Waste of money.
Insurer: Pets Best
By: Patrick
Great insurance for our pets
Great insurance for our pets. Quick and easy reimbursement for our bill from the vet.. thank you.
Insurer: Spot
By: Yolanda Campbell
Simple and easy to choose plans
Simple and easy to choose plans
Insurer: Nationwide
By: Joy Luongo
It was easy to apply but I have not…
It was easy to apply but I have not received a decision yet
Insurer: Nationwide
By: Michael Donelly
Claim Denied Despite Vet Record Showing No Gingivitis
My dog required dental treatment, and I submitted a pre‑authorization request and supporting veterinary records. The claim was denied on the basis that the condition was “pre‑existing.” However, a March 7, 2025 veterinary record clearly documents: “Oral Cavity: Teeth are free from excessive tartar, no gingivitis present.” This is a clinical finding recorded during a hands‑on wellness exam. Despite this written medical record showing no gingivitis at that time, the insurer stated they contacted the veterinary clinic and were told that no oral exam was performed. When I contacted the clinic directly, they informed me they have no record of being contacted by the insurer and confirmed that the oral cavity findings in the chart reflect the veterinarian’s observations. I requested documentation from the insurer showing who they spoke with at the clinic, when the conversation occurred, and what was documented, since this alleged conversation contradicts the written medical record. The insurer declined to provide that information while continuing to rely on it to deny the claim. The insurer also took 9 days to provide an initial pre‑authorization response for a dental procedure involving extractions for active dental disease. I have now filed a formal complaint with the Washington State Office of the Insurance Commissioner regarding the claim handling and use of evidence in this denial.
Insurer: Prudent Pet
By: Sameez Charania
Thank you for handling my cat's case…
Thank you for handling my cat's case with care! We feel very supported, knowing that we could have help with his emergency care.
Insurer: Spot
By: Chelsea Peters
Very cheap and very good coverage
Very cheap and very good coverage
Insurer: Spot
By: Kyle Woodward
The wellness package is perfect for…
The wellness package is perfect for yearly checkups and Pumpkin pays 99.9%
Insurer: Pumpkin
By: Jeannine
My experience was great and they was…
My experience was great and they was quick and very understanding. I had no issues with my reimbursement process.
Insurer: Spot
By: Velma Thomas