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
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Easy to use
Easy to use, once receipt is submitted refunds are processed in a timely manner.
Insurer: MetLife
By: HK
The payment was fast and seamless at a…
The payment was fast and seamless at a time when I was stressed about a very ill pet.
Insurer: Trupanion Canada
By: Jane Plummer
Timely response
Timely response, reimbursement funds automatically deposited to my account. Uploading documents online was a simple and smooth process.
Insurer: MetLife
By: ANNA DOLINSKA-MADURA
Payment for services was quick.
Payment for services was quick.
Insurer: Trupanion
By: customer
Direct payment at the vet office was…
Direct payment at the vet office was great.
Insurer: Trupanion
By: Kaushik
Poor customer service
Policy is with Fetch. First time claim, policy purchased is for a $700 “Annual Deductible and a 90% reimbursement. . One claim with five invoices. I have been charged to date a deductible of $1049.88 deductible. After claim was processed I did an on line chat with Lisa to get the process for correction. Lisa was a human, she identified the error quickly. Then told me that a “reassessment form” needed to be filed which she would do and it would take 30 days. When questioned she indicated that that was the process. Thinking that that had to be incorrect I phoned, Mandy looked, identified the problem, verified that a reassessment form was completed and that it would be 30 days. Now I get mistakes happen, but 30 days to make a correction that was quickly identified by staff is unbelieveable. So they have $349.88 of my reimbursement for 30 days. So I ask myself, do they have so many errors that it takes them that long to give the customer the service they deserve.
I appreciate the communication from…
I appreciate the communication from Fetch. From the start of the submitted claim to the end, I receive both texts and emails along the process. If they need more information, an email is sent with clear instructions. I only wish that there would be a receipt sent after each monthly payment.
Insurer: Fetch
By: Lolo
Claims Are Great, Ever Increasing Premiums Are Horrible
I can happily say that I have never had a claim denied and customer service is fantastic, hence the 2 stars. However, I am removing 3 stars because of the ever-increasing premiums which are disgraceful. For my area, the premiums for my Yorkie had more than doubled in a little over 3 years, started at $714 per year ($60/month) in June 2022 for 90/10 (10% copay) and kept creeping up to $1,700 per year ($142 per month) in October 2025. Upon reviewing my monthly bills in March 2026, it was time to cut some, so I called Trupanion for higher copay option and was quoted $77 for 70/30 (30% copay for me) starting April 2, so I changed it. Then, I get an email on May 27 that the rate is increasing to $90 on August 2, which is a 17% increase in 4 months. And to top it off, I have a wellness plan with my vet, so they never have to pay for a vet exam and don't have to pay for some disease and diagnostic testing (such as one panel of bloodwork and one set of x-rays per year included in my vet plan). They should consider giving discounts or frozen premiums for periods of time to members who have these. In any event, as you can see, I tried reducing my coverage, and the premium went up again only 4 months later, and so I am strongly considering cancelling altogether now. And, if I stayed with the 90/10 plan, and if it continued at the current rate of 70% average annual increase, it would be over $7,000 per year if/when my little dog reaches 15 years old.
Insurer: Trupanion
By: DONNA C.
It is easy to file claims and payments…
It is easy to file claims and payments are processed quickly and it goes right into my bank account. Couldn’t be easier.
Insurer: MetLife
By: Judy Parker
Too easy
This is by far the easiest app to file, follow, and finish any claim. They made it seamless the whole way through.
Insurer: MetLife
By: Michael