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


June 15, 2026

It was easy to make a claim and payment…

It was easy to make a claim and payment was fast.

Insurer: MetLife

By: customer

June 15, 2026

I cancelled over the phone and was…

I cancelled over the phone and was charged another month. I contacted them and they said they did not have any record of the cancellation and refused to give me a refund.

Insurer: Nationwide

By: allison bowers

June 15, 2026

Pet insurance

I love how easy it was to shop and compare pet policies and I loved the breakdown on everything!

Insurer: Nationwide

By: Maria

June 15, 2026

Excellent Process

Easy, convenient, fast & fair with excellent interim communication.

Insurer: Fetch

By: B. Effler

June 15, 2026

Easier than I expected!

From signing up for the policy at the Humane Society to filling out the claims online and getting reimbursed, Fetch has made this a very easy process.

Insurer: Fetch

By: Karen

June 15, 2026

We shopped for insurance and selected…

We shopped for insurance and selected your company and signed up. We cancelled our existing policy. Great. We are all set except we receive a letter a few weeks later stating we have to submit the dogs records before the policy is actually accepted. Our vet is several hours away. We now do not have insurance on our dog. Nice job!!!!

Insurer: Nationwide

By: Kelly

June 14, 2026

Seems like it takes forever to get your money back

Seems like it takes forever to get your money back. I had hoped it would be quicker. Even the animal hospital told me that they take a long time to get the claims approved and to get your money back.

Insurer: Embrace

By: Yvette Pena

June 14, 2026

I purchased the full plan when we got…

I purchased the full plan when we got our puppy in January. I did this as our last pup that passed away after 16 years had incidents that really racked up her vet bills! Followed Spots suggestions of waiting 2 weeks for her insurance to establish before seeing the vet. Forward to her teeth extraction for puppy teeth and fracture teeth. I phoned Spot and spoke with the insurance processor to check on coverage for baby teeth extraction. I was clearly told YES, Spot covered this. The vet also found fractured teeth which was making her sick. Now I did not receive an email. I just found on my phone app with Spot, that the claim is denied! How can this be??? I’m reporting this to Better Business Beuro and California Insurance claims. I’m also going to visit every vet within my area to show this to perspective patrons looking for pet insurance for their pets!

Insurer: Spot

By: Cheryl Cash

June 14, 2026

Easy signup!

Signing up my two new French bulldog puppies was super easy!

Insurer: MetLife

By: KimRum

June 14, 2026

I initially transferred over from…

I initially transferred over from another insurance company and it was a bit of extra work because I had to provide a lot of extra documentation. But now that my pet is established with them, they have been excellent and so easy to use. Their customer service is also wonderful.

Insurer: MetLife

By: Vanessa Solomon

Compare top pet insurance providers plans.

For puppies and kittens, please estimate your pet's full-grown weight.