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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My pet insurance experience.
The process is very easy to submit a claim and payment was quick. So far I love it and I have only had to use the essential portion .
Insurer: Pumpkin
By: Danny L and Lois H Nelson
I filed my first claim after 2 years of…
I filed my first claim after 2 years of coverage. There is a LONG delay in receiving reimbursement and website is cumbersome and confusing. I keep receiving emails ‘apologizing for the delay’ but no explanation about why it’s taking so long.
Insurer: Pets Best
By: Breastfeeding Basics
Easy sign up process but why am I…
Easy sign up process but why am I charged a installment fee if I am not given another payment option?
Insurer: MetLife
By: MICHEL CASTRO
Easy to use app
The app is easy to use. Payment come in a timely manner.
Insurer: MetLife
By: customer
Easy app process to upload documents…
Easy app process to upload documents which in turn creates a claim for you. Status updates are provided once the claim is completed. You get notifications and pretty instant payment if you signed up for electronic payment through zelle.
Insurer: MetLife
By: Pico and Neela Pups
Pet insurance for our fur babies
I just love the fact that everything is done online and is seamless.
Insurer: MetLife
By: customer
So Easy and Convenient
Very easy to upload documents and file the claim. The direct payment through Zelle is amazing!
Insurer: MetLife
By: Ari
Amount of monthly cost
Pets Best Insurance is a pretty good company. They reimburse what they say they will and are finally reimbursing in a short time. I do have a couple complaints. I wish they could reimburse the claim before the bill is paid in full due to the fact that sometimes the bill is quite large and takes some time to pay it. Also, the monthly amount I pay for the insurance has gone up $20 a month in the past 2 years without warning. I think that is quite excessive and I did not change insurance companies because of pre-existing not covered so you are stuck with the same company. As stated previously, they do reimburse on time and what they say they will.
Considering Switching
The response time for Embrace is great, but like any insurance company, they are always looking to tie claims to preexisting conditions which in some situation aren't the case. Just because one of multiple symptoms may be a preexisting condition, shouldn't make the entire claim tied to that one condition. For example my pup had a pancreatis attach which resulted in numerous tests, medications, and a hospital stay. Because he had diarrhea for a portion of the 5 days he was in and out of the hospital, the entire $4500 claim was denied. The nausea wasn't diarrhea related, the ultrasounds, xrays, food enticing medication, multiple pain relievers, all had absolutely nothing to do with diarrhea, yet the entire claim was denied with the rationale of preexisting diarrhea. This is frustrating and feels like railroading. I've actually considered switching insurance companies because of it. Reply: I did reach out to fight the claim and to better understand why none of it was approved. I was told because he had diarrhea during the course of his stay the claim decision wouldn't change.
Insurer: Embrace
By: T. Gentile
The process is easy
The process is easy, and self explanatory
Insurer: MetLife
By: Ta'marra Devaroe