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.

12,741 total


Verified November 17, 2025

Easy to enroll online.

Easy to enroll online.

Insurer: Prudent Pet

By: milsarktmhotmail.com

November 16, 2025

I have 6 pets insured with them !!! 5 STARS !!!!

I'm so so so lucky to have this pet insurance. It saved me soooo much money. I have 6 pets insured with Pumpkin and 3 of my pets got seriously sick and the bills of the hospital stay of my doggies were a few thousand $$$. They approved my case in 1 day and I had the money back in my bank account in 3 days. Unbelievable !!!! Please don't wait till something happens to your furry friend and then you want to buy pet insurance. Then its too late. You never know what can happen. I also have a younger 5 year old sweet Chihuahua Dachshund Mix and all of a sudden she needed to go to the hospital because and had to stay there for 3 days and was diagnosed with Diabetes. The hospital bill was a few thousand $$ and they paid super quick for it because it was not preexisting. I have now 4 dogs and 2 cats insured with them. A few years ago, I had a different pet insurance but they raised their premiums like crazy every year and now I'm with Pumpkin and they have good prices. Remember, the premium always depends on the breed of the dog and their life expectancy. Of course a younger healthy dog is much cheaper than an older dog. Don't look any further and get your furry friend insured with Pumpkin. Submitting claims on their website is pretty easy as well. I usually don't like insurances but I LOVE PUMPKIN !!!!!

Insurer: Pumpkin

By: Jan Dorwarth

November 16, 2025

Great

simple, quick, and efficient website. Took less than five minutes to upload the claim.

Insurer: Embrace

By: kam

Verified November 16, 2025

Great rates

Great rates, great coverage. Filing a claim is easy and payment is usually quick. It does lag when they need dr notes-and when I've checked with various providers, they say Figo has not reached out for the needed info to handle the claim. Grateful to have insurance for my dogs.

Insurer: Figo

By: Rebecca

Verified November 16, 2025

It was very easy and quick to sign up…

It was very easy and quick to sign up my dog

Insurer: MetLife

By: Sarah Beaver

Verified November 16, 2025

The ease of the submission process.

The ease of the submission process.

Insurer: MetLife

By: MELISSA ROLDAN

November 16, 2025

Overall very satisfied; however their app is glitchy

Overall, I am delighted with Pets Best and the process of filing claims and managing my pet's account. The main problem I'd love to see the company address is its app. It is not reliable; it's very glitchy when trying to submit claims, and it works 10% of the time. However, when using the website, it works 90% of the time. Once a claim is filed, Pets Best is pretty quick to process and apply the benefits.

Insurer: Pets Best

Veterinarian: Saddleback Animal Hospital

By: Justin

Useful
Verified November 16, 2025

I submitted my claim on line a few days…

I submitted my claim on line a few days later and found it to be quite easy. It just felt like the process to get paid took a while. I highly recommend people submit their checking info so they don't have to wait for a check in the mail. I highly recommend Spot Pet Insurance for anyone that is looking to purchase pet insurance in the future.

Insurer: Spot

By: Guadalupe

November 15, 2025

This was easy and took only a few…

This was easy and took only a few mintues.

Insurer: Embrace

By: Judy Lewis

November 15, 2025

Took too long to receive payment

I received multiple emails about “we’re sorry it’s taking so long”. You don’t take long to take the payment out of my account every single month so I don’t expect it to take long to review my claim once I send it and put the money back into my account. We’re going on almost a month and that, in my opinion, is highly unacceptable. If it happens again, I will be switching to a new insurance.

Insurer: Pets Best

By: Erica Cameron

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