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.
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Christmas UTI
Woke up Christmas eve to my dog Chloe having an UTI. I called and got her seen that morning. $417 later she was on the mend. I filed my claim on 01/05/2026. On 01/16/2026, Pets Best notified there was an issue with my attachment. I corrected it and it was approved on 01/29/2026. It was processed and paid on 02/04/2026. One item was not covered but the remaining 90% was. Just in time to pay those holiday bills!
Enhance bait and switch tactics are bad business
Prior to taking out a 70% coverage policy on my dog a spoke to customer service to ask if my Labrador would be covered for a chipped molar. I was told that dental care is covered . I also inquired about annual booster vaccination coverage and told yes it’s covered. I started the plan in October 2025. In a follow up vet visit I scheduled a tooth extraction for 6 weeks later. I submitted the claim through the app and was told it would take about 30 days to process the claim . I now find out that even though I made embrace aware of this chipped tooth;they now say since it was a pre-condition it’s not covered. Just the exact opposite of what I was told to induce me into providing my credit card for the monthly payments . Now 4 months into the plan I find it’s not covered .
Insurer: Embrace
By: Phil Traficanti
Would Not Recommend
I did not have a great experience with Pets Best. Trying to reach them by phone was awful. Every time I contacted them, I was placed on hold for at least 15 minutes before reaching a representative. It also took over a month to receive payment on my claim. Transferring ownership of the policy to my son was another unnecessary hassle, despite being told it would be an easy process. This insurance was supposed to provide peace of mind, but instead it caused nothing but frustration. I would not recommend them. I switched to another company, and they paid my claim within three days.
Insurer: Pets Best
By: M & M
Very easy to submit claim and quick…
Very easy to submit claim and quick reimbursement.
Insurer: Healthy Paws
By: robin
On-line sign up proces
On-line process is very easy to sign up your pet for coverage.
Insurer: Nationwide
By: Chris
Highly recommended - fast, efficient service!
I have never had to use my pet insurance until these last few months (actually, never really had pet insurance until a few years ago) but man, Pumpkin has exceeded my expectations on all counts! The submission process is easy to do and they communicate within 24 hours to let me know status. Plus, you can have direct deposit to your bank so there's a very short wait period before getting your reimbursement. I HIGHLY recommend them!
Insurer: Pumpkin
By: Lauren Case
It’s so easy to turn in a claim
I appreciate the easy way it is to turn in a claim and how quickly it was processed and directly deposited into my bank account. I love the peace of mind having pet insurance on my dog gives me.
Insurer: Spot
By: Lynne Bernier
Good company to get pet insurance
Good company to get pet insurance. Filing is quick and easy with no bumps in the road.
Insurer: Spot
By: James Karasoulis
Takes a long time to reach deductible
Takes a long time to reach deductible. Once you reach the deductible, it takes FOREVER to process the claim and pay out.... once the pay out is there, it's more like a coupon rather than insurance.
Insurer: Spot
By: Brian Schoenburg
Claims settled quickly
Claims are completed in a very short time and their Customer Service is great!
Insurer: Spot
By: Lynn Brown