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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Quick claim approval
The reimbursement once approved arrived quickly into my account and the medical documentation was easy to upload via the Mobil app
Insurer: MetLife
By: Katie Baum
Great partnership with the vet hospital!
My dog needed some expensive diagnostic testing ($4,500), and Trupanion worked with the hospital to preapprove it so that on the day of the tests, Trupanion paid 90% of it directly, so I wouldn't need to pay it in full and then be reimbursed. It was very helpful!
Insurer: Trupanion
By: Nicole
Payment is quick
Payment is quick Customer service is great
Insurer: Trupanion
By: Lydia Proto Russo
Thank God for Spot Pet Ins
Diesel my 7 year old Chihuahua became quite ill on Friday May 29th. He stopped eating and drinking. That night he began scream-crying due to horrific pain. Sat morning he couldn't lift his head. I thought he was dying. I took him to an Emergency Animal hospital. X-ray showed a small square object in his stomach. Once surgically removed, the vet noticed irritation on his intestine. She opened to find a foreign object blocking any bowel movement. My vet bill was $4213.61. Submitted a claim on June 1 and received payment on June 11. After deductible, Spot Pet covered 80%. My cost: $1242.72. Thank God for Spot Pet insurance. Thank you! Thank you!
Insurer: Spot
By: Sandra
Best decision to get our pet insurance!
I had a great experience submitting my claims and getting reimbursed in a timely manner. This is the first year I have used pet insurance and I am so happy I had it.
Insurer: MetLife
By: Dawn
Just horrible. I'll never recommend this company again.
I was a Pets Best customer for 4 years and insured two dogs. I paid over $100 per month and, despite paying thousands in premiums over the years, I often found reimbursements much lower than expected after deductibles, copays, and exclusions. My policy was canceled due to a missed payment. The moment I realized what happened, I called and offered to pay the balance in full and bring the account current. Instead of working with a loyal, long-term customer, Pets Best denied my reinstatement request. I spent hours on the phone with Yvonne from the Escalations Department and a supervisor named Lisa. Both were dismissive and repeatedly told me there was nothing they could do. At one point I was told they "can't just reinstate the policy because they feel bad for me," which was incredibly insulting after paying premiums for two dogs for four years. What was most upsetting was being told my dog was considered a "red flag pet" because of his medical history. My dog is not a chronically ill dog. He had a foreign body surgery after eating something he shouldn't have and gets occasional hot spots. After paying premiums for years while these issues were covered, I was essentially told those same issues were now being used against me when requesting reinstatement. I was also told the decision was made by an internal team that does not speak with customers. No one could transfer me to the people who made the decision. I received conflicting explanations involving underwriting, an internal review team, payment history, and my dog being a "red flag pet." No one could provide a clear, consistent explanation of who actually made the decision or why. After 4 years as a customer, I expected better treatment, better communication, and at least some consideration of my history with the company. Instead, I was treated like a nuisance, given the runaround, and told there was nothing anyone could do. If you're considering Pets Best, understand that a single missed payment can cost you years of coverage history, and don't expect much transparency if you try to appeal the decision.
Insurer: Pets Best
By: christine corleto
Took almost month to reimbursement me…
Took almost month to reimbursement me and only did it cuz I complained
Insurer: Spot Canada
By: Diddy
Excellent response
It's so easy to submit the claim through the site. and get reimbursement. I submitted the claims and was reimbursed the same day within a few hours - excellent response!
Insurer: Healthy Paws
By: Davina
I’ve been with you since Harley was…
I’ve been with you since Harley was three months old. You’ve got a great job every time you pay me back exactly and what I’m deserving of and excellent service and quick and fast.
Insurer: Healthy Paws
By: Cindy