208,360+ Pet Insurance Reviews You Can Trust
Pet parents across the U.S. and Canada have left over 208,360 verified reviews—real stories, real experiences, real insight. Whether you're after the best price, fastest claims, or friendliest service, our reviews make it easy to compare top insurance providers and find the perfect coverage for your pets.
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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
Amanda was a delight to speak with
Amanda was a delight to speak with. She explained everything I needed to know clearly, and answered all of my questions. She was able to create policies for my two dogs very quickly. She also is very caring about our pets.
Insurer: Fetch
By: Francine DiBernardo
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
Allows me to focus on my pet
The app makes it very easy to submit electronic documents that me vet emails me. Spot lets you know everything that is needed and once you have your pets profile saved in the system, it’s streamlined and simple. Makes it so the only thing I have to worry about is taking care of my dog and not fighting with a company for reimbursement Thank you Spot team
Insurer: Spot
By: RM P
Princess made everything so much better…
Princess made everything so much better for me today. I was very frustrated with the app not working and she took care of me and answered all my questions with the most upbeat attitude. She was so professional and pleasant, I rarely come across people like her with her wonderful spirit and temperament. Just wanted to pass that along because she deserves praise
Insurer: Fetch
By: Monica Long
The processing time was fast and…
The processing time was fast and communication great
Insurer: Spot
By: Bruce Cox
Team is extremely helpful
Team is extremely helpful, and they actually cover what they say! Very satisfied
Insurer: Spot
By: Riley Everett