PetClaimLog › Claim Log › Other carriers
Sourced from public Reddit posts and BBB consumer complaint records — every case links to its original source. Self-reported accounts, not adjudicated rulings. No composites, no invented numbers.
This page collects the logged cases whose carrier does not yet have its own page — 44 of 186 sitewide, across 7 carriers. Every case is a self-reported account from a public Reddit post or a BBB complaint record, linked to its original source.
The 44 cases here sit with carriers that don't yet have a dedicated page — MetLife (3, one an employer-plan variant), Fetch (7), AKC (1), Odie (1), Petplan (1), Spot (15) and Pumpkin (16). The denials cluster on pre-existing anchors and documentation fights — including a $4,157 puppy surgery met with escalating records demands and an invoice called 'blank' (Spot), and a cancer medication denied as an 'ongoing occurrence' after two years of remission (Pumpkin). The paid side includes a $20K+ hospitalization reimbursed at 90% (Pumpkin). Every card is labeled with its carrier; nothing is merged.
This is our own log's sample (44 of 186 cases sitewide), not a statistical verdict on any carrier. Figures reflect the post date, not current policy terms.
Other carriers in the log: Trupanion claim outcomes · Healthy Paws claim outcomes · Lemonade claim outcomes · Embrace claim outcomes · Figo claim outcomes · Nationwide claim outcomes · Pets Best claim outcomes
Pumpkin
~$600 in claims
Two ~$300 claims stalled; despite a signed letter from his vets certifying no pre-existing conditions, the adjuster demanded SOAP notes from the dog's previous vets — 'I don't believe that is my responsibility.'
Verify on BBB ↗Pumpkin
$703 → $1,279/yr (+81%)
Annual premium jumped from $703.20 to $1,278.60 for the 2026–2027 cycle on a generally healthy 6-year-old; support gave no specifics. Another bump for California residents is expected in 2027. Behavioral-health meds for separation anxiety are excluded despite the add-on.
Verify original post ↗Fetch
80% → 60% back; deductible ×2
Renewal brought a premium increase, a doubled deductible, and a reimbursement drop from 80% to 60% — with the second knee surgery already booked. Dental and knee claims were paid the prior year.
Verify original post ↗Spot
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A $100-covered exam led to a diabetes diagnosis; the medicine claim was denied over a missing 'reason for visit', then the ER claim was denied with a demand for a handwritten vet letter — printed labs and diagnostics were not accepted. The cat was put down; the owner, a nursing student, is in debt.
Verify original post ↗Spot
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Denied as pre-existing; owner's appeal states x-ray showed a new bone spur ('something new and not preexisting'); rejection letter created after the fact per owner.
Verify on BBB ↗Pumpkin
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Other-leg ACL tear denied as pre-existing despite prior surgery being on the left leg; neither exam nor surgery covered. $130/mo premium.
Verify on BBB ↗Fetch
$189 → $364/mo
A $5,000 annual payout limit, exhausted in one cancer year: ~$8,784 in vet bills, ~$2,264 in premiums, $5,185 reimbursed. At renewal the premium jumped from $189 to $364/mo — a 93% single-renewal increase right after the cap paid out.
Verify original post ↗Spot
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Cremation claim (policy benefit) stalled a month demanding health records 'which none exist as she was always healthy'; automated loops; premium still billed after death.
Verify on BBB ↗Spot
~$5,100 denied; groom claim paid ~21% vs 90%
Four claims in one week met with escalating records demands (including records two clinics could not have), a broken upload portal (repeated 500 errors), then two claims totaling ~$5,100 denied as 'ineligible' with no explanation; a separate claim paid ~21% instead of the expected 90% with no itemized breakdown.
Verify on BBB ↗Spot
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EOB said services 'not covered'; email support then said records were 'never sent' — but the vet never received any request from Spot. Records emailed three times, two months of silence, claims closed twice. Owner: 'since I have now met my deductible they don't want to pay.' No appeals process offered.
Verify on BBB ↗Pumpkin
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Ear infection during waiting period led Pumpkin to file the puppy as 'diagnosed with allergies'; everything allergy/ear-related excluded thereafter; vet letter stating no allergy diagnosis refused.
Verify on BBB ↗AKC
Approved in 3 days
Previously denied as pre-existing; at the one-year continuous-coverage mark the same condition was covered "no questions asked" — a live confirmation of AKC's 365-day cure rule.
Verify original post ↗Pumpkin
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Last heartworm treatment 11/10/2025, beyond the 180-day cured-condition threshold, yet routine-checkup claim denied citing an 'additional policy not clearly disclosed'; unrelated invoice lines also rejected as pre-existing.
Verify on BBB ↗Pumpkin
Covered up to policy maximum
'Requires thorough documentation. Once we submitted this, the company promptly fulfilled its coverage up to the maximum on our policy -- no delays or denials.'
Verify on BBB ↗Pumpkin
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'Pays for the coverage as advertised and pays on a timely basis... one is diabetic and has CHF.' Multi-year policyholder.
Verify on BBB ↗Spot
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Claims since May 2026 repeatedly denied 'need more medical records' though records were submitted multiple times by owner and vet; owner characterizes as delay/deny tactic.
Verify on BBB ↗Spot
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EOB denied as pre-existing without naming the condition; phone rep said 'eye condition' though the visit was a fall injury; owner cites Fla. Stat. 627.6472(9)(a) burden-of-proof on the insurer.
Verify on BBB ↗MetLife (employer plan)
$3,000+ spent on dental
"I spent over $3k on dental and insurance denied the coverage." A $35/mo employer-plan policy the owner says never covers anything; he is shopping for a new carrier and weighing the pre-existing trap that comes with switching.
Verify original post ↗Spot
Not applied to deductible
Accident claim not applied to deductible; underwriters 'always list every illness as pre-existing and connected to allergies', citing vet notes from age 10 weeks.
Verify on BBB ↗Odie (fka ManyPets)
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Reportedly took nearly 3 months to resolve, then was rejected as a pre-existing condition. Self-reported account from a brand-new Reddit profile — unverified beyond the post itself.
Verify original post ↗Fetch
$2,512.20 preauthorized → $1,308.85 paid
Fetch pre-authorized full $2,512.20 for cryptorchidism surgery, then denied $644 of it as 'wellness' (castration portion of corrective surgery). Appeal filed 11/5/25; calls unreturned.
Verify on BBB ↗Spot
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Claim denied 'due to a pre-existing condition' with no notice, though plan covers the condition when infection present; $500 deductible never credited; appeal rejected.
Verify on BBB ↗MetLife
Several claims, ~30-day payout
Switched from Healthy Paws; incidental crystal finding in urine never used against claims. Family-plan details in thread.
Verify original post ↗Fetch
$863.44 claim → $0 reimbursed
Claim denied: two Cytopoint medications called pre-existing although visit was months after policy start; $508.69 counted as covered, $457.82 to deductible, $0 reimbursed. Prior Fetch policy history (from PetPlan acquisition era) reused against new policy.
Verify on BBB ↗Spot
$4,157.83 surgery unpaid
Emergency surgery claim met with escalating records demands, then assertion that the submitted itemized invoice 'was blank'. Claim still unresolved weeks later; owner:'their story is changing and now I have proof they are lying.'
Verify on BBB ↗Spot
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Portal said documents requested though already submitted twice; claim closed as 'denied documents not received'.
Verify on BBB ↗Pumpkin
~$1,100 unpaid
Both claims denied as pre-existing citing a Jan 2024 vet note of poor appetite/vomiting — 14 months before the emergency; diarrhea dismissed as related. 2+ years, $100+/mo premiums.
Verify on BBB ↗Pumpkin
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First-ever illness claim denied as pre-existing; additionally puppy excluded for the next 180 days; month of silence then flat denial without explanation.
Verify on BBB ↗Fetch
$120 total reimbursed in 5+ years
Owner paid thousands in premiums. Allergy shots denied as pre-existing despite starting a year ago; dental benefit denied by reclassifying plaque as illness.
Verify original post ↗Fetch
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Claim for ear infection denied as pre-existing; owner states allergies are covered per policy documentation; multiple appeals failed.
Verify on BBB ↗Pumpkin
Thousands out of pocket
Chose Pumpkin for advertised dental coverage; necessary extraction claims all denied; 'nearly every new ailment' classified pre-existing; wellness-visit findings instantly become pre-existing.
Verify on BBB ↗Spot
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Cancer med denied as 'ongoing occurrence of an incurable condition' despite ~2-year remission meeting the 180-day cured-condition clause; ear infection denied as allergy-linked; appeal rejected; response letter dated before the appeal was submitted.
Verify on BBB ↗Fetch
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A submitted claim was rejected as not covered — the same scenario the owner says Fetch specifically promised would be covered at signup. The family switched to Embrace and closed the Fetch policy.
Verify original post ↗Pumpkin
$20K+ covered at 90%
Multiple hospitalizations exceeded $20K; 'I would not have been able to agree to care without Pumpkin (my plan covered 90% of costs with a 20K cap)'; expedited on request.
Verify on BBB ↗MetLife
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Year of claims all rejected as pre-existing. Commenters report MetLife processing times of 3+ weeks once the deductible is met.
Verify original post ↗Pumpkin
$80–$300 claims unpaid
All three claims (~$80-$300) denied outright; extraction denied citing resolved kittenhood stage-1 periodontal on different teeth; vet letter and records ignored; appeals drag until next billing cycle.
Verify on BBB ↗Pumpkin
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Chronic-condition claims approved for a few months (while deductible being met), then coverage revoked with prescriptions called 'maintenance'; owner: bait and switch.
Verify on BBB ↗Pumpkin
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UTI denied as 'incurable congenital abnormality'; when asked for explanation, insurer cited a predisposition list for female dogs — patient was male.
Verify on BBB ↗Pumpkin
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Months of records runaround: false claims that Banfield records unreceived, a release form owner never received but insurer claims was sent, resubmissions, radio silence; claim unpaid; policy cancelled.
Verify on BBB ↗Pumpkin
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Diagnosis denied as pre-existing citing 2019 bloodwork (pre-enrollment); all kidney values in 2020-May 2023 records were normal; no vet advice/treatment in 2019.
Verify on BBB ↗Petplan
9 yrs × $108/mo paid in (~$11,700)
Insured since 8 weeks old. After 9 years of premiums, the tumor removal was denied as pre-existing "on a technicality". Owner canceled in protest.
Verify original post ↗Spot
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ER evaluation and imaging for suspected foreign body denied under accident-only policy though insurer's own site lists foreign-body ingestion as an accident; no case-specific explanation given.
Verify on BBB ↗Spot
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Seizure claim denied using a March toxin appointment (the cat picked up a cigarette) as a pre-existing anchor. Insurer's stated method: 'we go on symptoms, not on diagnostics, testing, vet visits.'
Verify on BBB ↗Spot
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Claim denied demanding paperwork from a Florida vet for a two-month-old puppy born and raised out of state — 'paperwork that doesn't exist.' Premium for the month not refunded after cancellation.
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