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


September 21, 2025

I love Embrace

I love Embrace! Easy to use, quick resolutions, special expedited call line for USAA members.

Insurer: Embrace

By: Kimberley Seigel

September 20, 2025

Easy to manage claim submission…

Easy to manage claim submission process. Quick response time. Great service overall.

Insurer: Embrace

By: Patrick Garrett

September 19, 2025

Satisfied customer

Friendly associates well knowledgeable and easy to submit claims

Insurer: Embrace

By: Edward Blasko

September 19, 2025

Easy to submit claims

Easy to submit claims. Pays quickly

Insurer: Embrace

By: Cherie Logan

September 19, 2025

easy peasy

we appreciate the ease in submitting a claim with your simple online claim process. thank you! In reading some reviews, I do think that it would be helpful and considerate to let us know, via email, when our one year anniversary date for the wellness claim submittals is approaching.

Insurer: Embrace

By: Trish Woods

Verified September 19, 2025

Such a fast refund of money spent at…

Such a fast refund of money spent at the vet.

Insurer: Spot

By: Tracy Epstein

Verified September 19, 2025

The app is VERY easy to use which makes…

The app is VERY easy to use which makes it way easier to get the refunds. The language for the policies are simple to understand.

Insurer: Spot

By: Regina Pergola

Verified September 19, 2025

They're very quick with any…

They're very quick with any reimbursement. Wouldnt have any other insurance.

Insurer: Spot

By: Kristine Tuca

Verified September 19, 2025

Ease of use

Ease of use, website was great. Update on additional information needed, plus understanding the info was best requested directly from the veterinarian. Reimbursement was received quickly, explanation of benefits paid was clear..

Insurer: Spot

By: Ruth De Witt

Verified September 18, 2025

The application process was easy

The application process was easy, informative and went well

Insurer: Prudent Pet

By: Mike

Compare top pet insurance providers plans.