Payment Experience

Read pet owners’ reviews on payment experiences with pet insurance companies. Learn how easy it is to pay premiums, manage billing, and whether payments are processed smoothly and transparently.

15,054 total


April 04, 2026

It is so easy to make a clame

It is so easy to make a clame, and refund is right there

Insurer: Spot

By: Gordana Gorta

April 04, 2026

Can’t afford not to have Trupanion

I have had Trupanion for all of my dogs. I can’t say enough good things about it. Although it is not inexpensive, I can’t afford not to have it. One of my dogs was hospitalized for three days. The bill was about $5k. She was discharged on a Saturday night. I submitted her claim after we got home. The claim was paid Monday afternoon. I can’t recommend Trupanion highly enough.

Insurer: Trupanion

By: Lisa

April 04, 2026

Don't be fooled by the Embrace!

Why would Embrace make it impossible for you to set up automatic pay for claims paying via EFT? The longer they hold on to your money, the more interest they make off your payment! I tried online, and it failed every time. In the small print below, it said, "Please call customer service." My payment is debited directly from my checking account. I had no issue with that process. Then I had a claim because I had a puppy who was vomiting, and it was his first visit with me. They used the first visit as a pre-existing condition and said that if he stayed free from vomiting for one year, he would be covered. I asked how that was a pre-existing condition? They vaguely explained, then they said he had an underbite, which was a pre-existing condition. So, the breeder I got the dog from gave me a certified health check. I gave it to them and said remove those pre-existing conditions he was checked when he was born more than once. So they read it and removed it from the file. All of these insurance companies are scams! Cookies weren't an issue when I was uploading my banking information for payment.

Insurer: Embrace

By: Nimryl Tecnika

April 04, 2026

Easy process

Easy process. Does offer the best rate comparable to other sites. Highly recommend.

Insurer: MetLife

By: Bella

April 03, 2026

Fast and easy reimbursement.

Fast and easy reimbursement.

Insurer: Fetch

By: Cindy

April 03, 2026

Easy to navigate

Easy to navigate

Insurer: MetLife

By: Jess

April 03, 2026

Quick and easy!

Quick and easy!

Insurer: Pumpkin

By: Jessica

April 03, 2026

It was fast and convenient.

It was fast and convenient.

Insurer: MetLife

By: Jimani Alvarado

April 03, 2026

quick reimbursement

quick reimbursement

Insurer: Trupanion

By: Michael

April 03, 2026

The ease of the website

The ease of the website, so easy to submit an invoice.

Insurer: Trupanion

By: Christina Meister

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