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Met life has been a pleasant company to…
Met life has been a pleasant company to deal with. They answer all our questions and concerns in a professional manner. All the claims we have submitted are processed very timely.
Insurer: MetLife
By: customer
Overall good customer experience
Overall good customer experience
Insurer: Embrace
By: Danny Harthun
I put my email in and you are telling…
I put my email in and you are telling me it dont exist but then you emailed me.
Insurer: Prudent Pet
By: vandewatermelaniegmail.com
disappointed
I sent my receipts to pets best on 2/14/26 and never received a word until 3/5/26. Not acceptable in my book. It was not a complicated visit. Urinary infection. No surgery, nothing. So....my expectation is that this should be accomplished within a week.
Insurer: Pets Best
By: Adrienne R
Ease of use and great pricing for…
Ease of use and great pricing for insurance.
Insurer: MetLife
By: Danyull Haney
Speedy Service
Claims are handled quickly. Approval came back within an hour of the vet’s cost estimate.
Insurer: Trupanion
By: Laureen
My Kitty is Covered!
I've had insurance with Pumpkin for my orange boy kitty, Link, since 2022. He's now 5.5 years old and has dealt with stomatitis, gingivitis, and the likes since he was a few months old. It's resulted in him needing a few dental cleanings and 16 teeth pulled so far. My mind is at ease knowing that my coverage with Pumpkin supports Link's care without much question at all. I am always reimbursed for his visits and treatments, and his bigger invoices are paid for so quickly. I'm beyond grateful for the staff always being kind, respectful, and understanding. It means the world to know there's a company who looks out for the fur babies and their owners.
Insurer: Pumpkin
By: Kira
Good concept, but pre-existing condition process needs improvement
I enrolled four pets with Trupanion, ranging from 7 months to 9.5 years. I cancelled two policies primarily due to how Trupanion applied pre-existing condition exclusions and their use of a "Things to Note" list, which flags additional conditions that may be excluded from future coverage. I am evaluating the other two. This review is for my cat. My cat is a healthy almost 3-year-old cat who has only had routine visits except for one episode of a Fever of Unknown Origin. She had a fever of 103.5 that required urgent care and a several-day hospitalization at a specialty emergency hospital. Because of findings noted during that illness, Trupanion applied exclusions and flagged additional conditions that could be denied in the future. The problem is how selectively and broadly they applied this. They noted she has a heart murmur exclusion because of notes from this episode. During her initial kitten exam she showed no heart murmur. During her urgent care visit while febrile, a murmur was notated. She was then admitted to an emergency hospital, where the admitting exam documented "no murmurs or arrhythmias." A subtle murmur appeared later after a significant amount of IV fluids were administered, and the attending board-certified specialist noted it was "suspect hemodynamic change from IVF administration," meaning the treatment itself was likely the cause. Her follow-up with her primary vet after discharge showed no heart murmur. I explained this in the emails I sent with her records. Despite a clean kitten exam, a specialty hospital admission note with no murmur, a specialist attributing the murmur to IV fluids, and a clear follow-up, Trupanion permanently excluded a heart murmur. Transient murmurs are a well-documented medical phenomenon. They seem to have relied on the one urgent care notation (who gave her IV fluids) and did not appear to weigh the other records the same way. All future dental exclusions were excluded based on a note at this same urgent care because of tartar/plaque, despite the specialty hospital records stating "no significant dental disease" and her regular vet stating that as well. Beyond the hard exclusions, Trupanion includes a "Things to Note" section that flags symptoms that may lead to exclusions in the future, such as anorexia, lethargy, swollen lymphnodes, and Dehydration from Pyrexia (fever). Each one was documented by the specialist as secondary to a resolved fever. Flagging a normal immune response to an acute illness as a future exclusion risk feels unnecessary and not worth the risk for me. They listed coughing as a "Things to Note" for my other pet because we asked one time if a cough was normal. For my senior dog, they excluded all masses (including future cancer) because my dog had a benign fatty lipoma that was not biopsied, which most vets do not do because it is common. There were many legitimate exclusions for my dog, and a legitimate one for my cat regarding her hip. The rest, including this, did not appear to be. The records process added to the frustration. There was more back and forth for records than I have experienced with any other pet insurance, spanning over weeks, including calling me on a Saturday. I have had insurance for other pets in the past with Fetch, Healthypaws, and others, including two senior dogs with legitimate pre-existing conditions. None came close to this. To be fair, I likely could have appealed. The medical evidence is strong. But after dealing with similar exclusions applied to my dog's policy, I did not feel confident the process would be worth the effort and didn't want to deal with it. When I called to cancel, I said I was cancelling because I had a bad experience, a lot of back and forth, and that I understood what a pre-existing condition was, but that I did not agree. The representative continued to go back and forth with me at length about what a heart murmur was, explaining how pet insurance works, despite me saying I know how it works, I am not interested, and to just cancel my policy. He was doing the exact thing I was complaining about, which was going back and forth instead of just cancelling it. This review is detailed because I want anyone switching policies to be aware that it sounds good, but not to cancel any other health insurance policies before you get your new policy exclusion list. I expected there to be exclusions with my older animals, and I was okay with that. But they listed things that were not true existing conditions. Once you cancel your original policy, you have no fall back plan. Luckily, we kept ours until we receive the exclusions. Giving 2 stars because I am sure it's great if this is the company you start a young animal with. But if your animal has any records, be aware they may broadly exclude conditions.
Insurer: Trupanion
By: Jess
So far it has been great My cats do not…
So far it has been great My cats do not require a lot of medical help so far. I am very happy to have insurance just in case.
Insurer: Prudent Pet
By: Susan