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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DON'T, SERIOUSLY JUST DON'T
They gave us a 40% increase without notice and just pulled the money out of our account. I called the same day and cancelled, they tried to hit me for a $3 service charge. The way they did it was shady as well. The CS rep I was talking to kept saying I was approved for a "full" refund until the very end of the call, literally the last thing she says as she's about to release the call, "And there's a $3.00 service charge" Needless to say I blew a gasket, we'll see if they do the right thing and give it back because that is just the lowest of the low. Seriously, absolutely no notice what-so-ever that the rates were going to jump like that and just steal the money out of the account. Then when I confront, they grab $3.00 back to cover their expense for transferring back to me, the money they stole out of my account, without telling me of the increase. What kind of company does that? As a side note, they never paid a single penny for any of our dogs expenses in the years we've had the policy. So they made a tidy bundle on us already. I wish there was a way to get that back without a ton of legal wrangling, I really do. Update: As expected, they DID NOT do the right thing and clawed back $3. The only consolation that I have is that by complaining and insisting on an escalation I made them burn way more than $3 of FTE time. Idiots.
Insurer: AKC
By: PBJ
The response on claims is very fast and…
The response on claims is very fast and they make the process of submitting a claim easy which is great since everyone's life is crazy.
Insurer: Healthy Paws
By: Karla Barreto
I was very impressed with a quick…
I was very impressed with a quick claim. I was paid within seven business days. Thank you.
Insurer: Spot
By: Troy stevenson
No transparency/ Medical Review Process
No transparency, 30-day money-back guarantee doesn't help at all, The medical history review was completed after 30 days and resulted in the exclusion of almost everything from coverage. At that point I had already been charged for two months (pay attention to payment method, I didn't know/saw that once you sign up you are agreeing with the autopay) , and when I called to request the cancellation, I was told that I was going to be reimbursed only for the proportional period of the month. How can we be satisfied with an insurance that we don't know what will cover or not? the medical review wasn't reflecting my pet health conditions and vet reports, for example: Periodontal (dental) disease, they noted that it was not be covered unless my pet had an anesthetic dental cleaning performed, however during the visit to vet it was confirmed that my pet teeth was clean and not needing anything, so should I put my pet under anesthesia for something that he doesn't need? Disappointed.
Insurer: Embrace
By: Juliana
Frustrated and Disappointed in refund experience.
This is the first time that I’ve had a negative experience. I’ve been using MetLife Pet for about six years now and have not ever had an issue with my reimbursement. I was told by three separate associates when I called that Zelle was experiencing issues with the Citibank side of things. While, I understand that this is outside of your immediate control as this is your third-party partner, communication to your customers especially your long-standing ones that this could be an issue could’ve allowed me to proactively updated my payment method to avoid this and my late reimbursement. Additionally, while I had updated information on one side of your company. It did not communicate with the third party side, and I wasn’t told until later that my addresses on file were incorrect. Your customer service agents on the phone have been friendly and warm, but unfortunately have not been able to give me any direct answers. They’ve tried to help support me and getting my refund in a timely manner and to the correct address but still cannot guarantee to me or answer to me where to expect to receive my refund. I emailed a couple of days ago and have received no response which also seems to be out of character for you all, but I’m really disappointed with how this interaction is going so far, and I’m frustrated that I have not received an answer. Not receiving this reimbursement or at least an actual answer in a timely manner, as I normally do, has created a negative impact and disruption on my day-to-day life. I hope that we can get this rectified ASAP and that you learned from this experience and better communicate with your customers so they can prevent these frustrating situations from happening in the future. I’m hoping that this is the one off thing and understand that mistakes do happen. I have for a long time recommended MetLife Pet to every friend and family member and client that I work with when they inquire about what pet insurance I use. However, if this trend continues, I may need to begin looking into other companies to use and recommend.
Insurer: MetLife
By: customer
Pretty solid experience
The chat function was very helpful. Was a bit of a pain needing to provide more docs but once I did the refund was very quick. By the next day if not the same afternoon.
Insurer: MetLife
By: ChristinaH
Easy and fast claim resolution and…
Easy and fast claim resolution and payment.
Insurer: Trupanion
By: Lynn Taylor
Preapproval was quick & easy
Preapproval was quick & easy. The Veterinary Neurologist office was able to do prior to scheduling my appointment & then payment was ready immediately after proceedure
Insurer: Trupanion
By: Ann T