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.

13,827 total


Verified February 01, 2026

Easy submitting an invoice.

Easy submitting an invoice for payment.

Insurer: Trupanion

By: Cindi Mclean

February 01, 2026

Ready to make the switch

I don’t like sonnet shift at all! But in order to get a good rate they have you register into the program. To begin, it’s not accurate, you get penalized for driving on routes in the neighbourhood you live that they deem a “road risk” god forbid you have work at the time of day they deem as a risk as well. The mobile use is sooo annoying, I try to be cautious with that as well but it’s not accurate, I lost points for having it in my POCKET did not touch anything on my phone I just had it in my pocket. They unenrolled me out of the program and my premium got jacked up I went from $349 to $700ish. When they put me back in they still hiked my price up by $50. I gave 2 stars because the service agent that helped me with reactivating my account was kind, she saved me giving them 1 star, I believe her name was Shanice. Anyway, since reprogramming my account, I’m unable to make a change to my payment method or do anything because the system keeps telling me my account has not been updated. It’s hard to get a hold of an agent and the work hours… kinda inconvenient. I can’t wait for this term to be up so I can switch providers.

Insurer: Sonnet

By: Angélique W

Verified February 01, 2026

Each invoice was processed quickly

Each invoice was processed quickly. I was amazed with the swiftness of all responses to claims and direct deposit payments. When I emailed an issue it was handled and processed within 24 hours.

Insurer: Trupanion

By: Sally

Verified February 01, 2026

Payments have been made a lot quicker…

Payments have been made a lot quicker than in 2025. Reps are extremely helpful.

Insurer: MetLife

By: Stacey planz

Verified February 01, 2026

Good insurance

Very easy-to-use and I got my money back directly into my bank account so no waiting for a check and hoping it doesn't get lost.

Insurer: Pumpkin

By: Kelly Moschetti-Suhay

Verified February 01, 2026

As a new client

As a new client, your staff has been very courteous and helpful. We certainly appreciate that we can file claims directly (without postal service) and that payments arrive quickly. We hope to be customers for many years!

Insurer: MetLife

By: customer

Verified January 31, 2026

We incurred some expenses on one of our…

We incurred some expenses on one of our pets that was unexpected this past year and Pumpkin was there to make sure our dog could have the care it needed. Extensive surgery and we paid a deductible and was reimbursed the difference. Excellent company

Insurer: Pumpkin

By: Ruth Blanton

Verified January 31, 2026

Thank you.

They are prompt with reimbursements after my submission of invoices and prescriptions that qualify under my insurance plan. My dog is living her best life and care choices are simplified with less stress.

Insurer: Pumpkin

By: Laura

Verified January 31, 2026

You are prompt and I can have the vets…

You are prompt and I can have the vets send the invoices abd soap notes.

Insurer: MetLife

By: PATRICIA DAVIS

Verified January 31, 2026

Pumpkin insurance is quick to process…

Pumpkin insurance is quick to process claims. Filing a claim is easy too and their customer service is responsive and knowledgeable. Also, by comparison, they’ve got one of the best plans out there. Glad I chose pumpkin!

Insurer: Pumpkin

By: Ramona Atkins

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