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Pet insurance complaints

165 complaints against 17 pet insurers, from state insurance department records. The regulator found the company at fault in 20.6% of them.

These companies are not graded — here is why

Every A–F grade on this site divides a company's complaints by how much business it writes, so a giant and a small carrier can be compared honestly. Regulators publish that denominator for auto, home, health and life cover — but not for pet insurance. Ranking these companies by complaint count alone would rank them by size, which is exactly what the complaint index exists to avoid.

What the records do support is the outcome: of the complaints filed against a company, how often the department upheld them. That needs no denominator, and it is the column to read below.

165

Complaints on record

34

Found at fault

17

Companies

How often each pet insurer was found at fault

Highest first. Only companies with at least 12 complaints on record appear here — below that a percentage is noise. Rates are pulled toward the pet market average so a company with a dozen complaints cannot outrank one with two hundred.

# Company Complaints Found at fault Most common reason
1 American Pet Insurance Company Texas 26 35% 9 of 26 Premium and Rating
2 Lemonade Texas 16 25% 4 of 16 Denial Of Claim
3 American Modern Home Insurance Company Texas 16 19% 3 of 16 Cust Service Claim Handling; Denial Of Claim
4 National Casualty Company Texas 19 5% 1 of 19 Premium and Rating
5 Independence American Insurance Company Texas 39 8% 3 of 39 Denial Of Claim

What pet insurance complaints are actually about

Reasons as recorded by the department on every pet complaint it closed.

Denial Of Claim 61
Premium and Rating 27
Cust Service Claim Handling; Denial Of Claim 18
Cust Service Claim Handling; Delays (Claims Handling) 9
Unsatisfactory Settle/Offer 8
Delays (Claims Handling) 5
Delays (Claims Handling); Denial Of Claim 4
Cust Service Claim Handling; Unsatisfactory Settle/Offer 4

Every company on record

Independence American Insurance Company 39 complaints 8% upheld
American Pet Insurance Company 26 complaints 35% upheld
National Casualty Company 19 complaints 5% upheld
Lemonade 16 complaints 25% upheld
American Modern Home Insurance Company 16 complaints 19% upheld
Metromile Insurance Company 11 complaints too few to rate
Metropolitan General Insurance Company 9 complaints too few to rate
Accredited Surety And Casualty Company, Inc. 6 complaints too few to rate
Axis Insurance Company 4 complaints too few to rate
United States Fire Insurance Company 3 complaints too few to rate
Independence Pet Insurance Company 3 complaints too few to rate
Indemnity Insurance Company Of North America 3 complaints too few to rate
Cimarron Insurance Company, Inc. 3 complaints too few to rate
Xl Specialty Insurance Company 2 complaints too few to rate
North River Insurance Company, The 2 complaints too few to rate
Markel American Insurance Company 2 complaints too few to rate
Cumis Insurance Society, Inc. 1 complaints too few to rate

Where these figures come from

Figures cover 2024–2026. Grades are rebuilt when regulators publish new files.

Had a problem with a pet policy?

Complaints go to your state department of insurance, free of charge. A complaint the department upholds is exactly what appears in the figures on this page.

How to file a complaint →