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.

14,830 total


Verified April 04, 2026

East to make a claim and does not take…

East to make a claim and does not take long!

Insurer: Spot

By: ERICA

Verified April 04, 2026

Great service

Great service! The payment was delivered fast and the app is so user friendly with how to add your pdf’s and payment method.

Insurer: MetLife

By: customer

Verified April 04, 2026

The website is easy to navigate

The website is easy to navigate. My refund was promptly deposited into my account. A+

Insurer: MetLife

By: Elizabeth

Verified April 04, 2026

too much work on my part and one claim…

too much work on my part and one claim and rate went up. seems vca and trupanion dont really work well together on billing then i saw my rate went from 130 a month to 160 after a pre authorization for surgery but "had nothing to do with my dog's surgery". i am thinking of ending my plan as i did it since vca recommended and frankly don't see the two working together well

Insurer: Trupanion

By: Pat

Verified April 04, 2026

Exceptional Customer Experience

I’ve had MetLife pet insurance since my dog was a puppy and I have had the best experience. It’s been very easy to contact customer service, get my questions answered, submit claims and get reimbursed. I had to double my coverage since vet costs have been raised substantially, but I honestly would not recommend going without it.

Insurer: MetLife

By: Jackie Nathan

Verified April 04, 2026

This was the easiest and fastest claim…

This was the easiest and fastest claim review and payment I have had!!

Insurer: MetLife

By: customer

Verified April 04, 2026

It is so easy to make a clame

It is so easy to make a clame, and refund is right there

Insurer: Spot

By: Gordana Gorta

Verified April 04, 2026

Can’t afford not to have Trupanion

I have had Trupanion for all of my dogs. I can’t say enough good things about it. Although it is not inexpensive, I can’t afford not to have it. One of my dogs was hospitalized for three days. The bill was about $5k. She was discharged on a Saturday night. I submitted her claim after we got home. The claim was paid Monday afternoon. I can’t recommend Trupanion highly enough.

Insurer: Trupanion

By: Lisa

April 04, 2026

Don't be fooled by the Embrace!

Why would Embrace make it impossible for you to set up automatic pay for claims paying via EFT? The longer they hold on to your money, the more interest they make off your payment! I tried online, and it failed every time. In the small print below, it said, "Please call customer service." My payment is debited directly from my checking account. I had no issue with that process. Then I had a claim because I had a puppy who was vomiting, and it was his first visit with me. They used the first visit as a pre-existing condition and said that if he stayed free from vomiting for one year, he would be covered. I asked how that was a pre-existing condition? They vaguely explained, then they said he had an underbite, which was a pre-existing condition. So, the breeder I got the dog from gave me a certified health check. I gave it to them and said remove those pre-existing conditions he was checked when he was born more than once. So they read it and removed it from the file. All of these insurance companies are scams! Cookies weren't an issue when I was uploading my banking information for payment.

Insurer: Embrace

By: Nimryl Tecnika

Verified April 04, 2026

Easy process

Easy process. Does offer the best rate comparable to other sites. Highly recommend.

Insurer: MetLife

By: Bella

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