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 October 24, 2025

Petey's insurance claim

The total experience of filing the claim and getting the reimbursement was simple and quick to get everything processed for our pup's surgery.

Insurer: Spot

By: Allan Brief

October 24, 2025

1st Claim Submittal

Submitting the claim was simple. Now, if the payment process is just as easy I will be thrilled.

Insurer: Embrace

By: Alicia R-S

Verified October 23, 2025

Fast and professional response

Fast and professional response, quick payments. Thank you!

Insurer: MetLife

By: Marina Galitsky

Verified October 23, 2025

CONSTANT SENDING OF SAME PAPER WORK

The app is easy use. However every time I file a claim they say they need all paper work for my dog called the S.O.A.P. I have sent it numerous times via email and the app but keep getting my claims delayed by weeks or months because they say they do not have all her paper work when they do!!! It can be frustrating and annoying every time I file a claim have to explain they have all the paper work and then waiting months to finally get reimbursed after several back and forth emails. It's like nothing is saved in my file??? I Cant understand the issue.

Insurer: Embrace

By: Matthew Jones

Verified October 23, 2025

I submitted a claim and the process…

I submitted a claim and the process went smoothly. I got paid in 11 days which was awesome.

Insurer: Spot

By: DEBORA RAMIREZ

Verified October 23, 2025

Best pet insurance

Spot is the best pet insurance we’ve had. 2 years ago, I had switched from Spot to another company offered by my employer’s insurance and it was a nightmare of an experience. After such a terrible ordeal, I switched back to Spot and have been pleased ever since. I especially love the speed at which the process claims. From the moment the claim is submitted, I never have to wait more than a few days for it to be completed. In the few times I’ve had to call, customer service has always been pleasant. Needless to say, I will never be leaving Spot

Insurer: Spot

By: Yolanda Oliver

Verified October 23, 2025

I love the ease of submitting a claim…

I love the ease of submitting a claim and how quickly my payout comes. If I include the SOAP notes from my vet visit, I don't get hounded with questions or pushback which is very appreciated.

Insurer: MetLife

By: Jonna Hardy

Verified October 23, 2025

Easy to apply

Easy to apply

Insurer: MetLife

By: Santuche, Sonia

Verified October 23, 2025

Great Product

Submitted receipt, got paid. Very easy process.

Insurer: MetLife

By: customer

October 23, 2025

Very easy to submit claims and easy to…

Very easy to submit claims and easy to contact on phone (and helpful and kind)

Insurer: Embrace

By: Stephanie Burg Rykaczewski

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