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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Nice and easy process to file my claims…
Nice and easy process to file my claims and very fast decision making on what will be covered and paid. Then very fast payment even without direct deposit.
Insurer: Healthy Paws
By: Richard Miller
Rates keep going up and up
My rates keep going up and up significantly after four years with a healthy Goldendoodle and no claims. Their website stinks. I couldn’t make changes on it… said it was under renovation. Called up, talked to pleasant rep, but she said she wasn’t a broker so she couldn’t do anything. Very frustrating experience. My rates went up from $62-$77 in one year for the same coverage. I started four years ago at about $42. It’s almost doubled in four years with no claims. To get monthly rates back down to anout $62, had to significantly reduce coverage by increasing deductible and increase the out-of-pocket. Considering dropping soon. It’s so much money and you get very little in return
Insurer: Embrace
By: Barbara Whatley
Easy to upload receipts for…
Easy to upload receipts for reimbursement. Quick reimbursement
Insurer: Pumpkin
By: Heather
Beware if you have a larger than normal claim
I've been with Healthy Paws for 11+ years. For the majority of the time, the rates were fair and just. Overtime (not unexpected) my rates increased year after year. Again, not unexpected as my dog got older and inflation rises. However, not long ago they changed my policy from the original $200 deductible and 90% reimbursement to a $500 deductible and a 70% reimbursement. So basically charging me even more in addition to the yearly rate increases. They did this without notification, although I guess that wouldn't have made a difference. Over the years, they were quick to review my claim and send a direct deposit based on my invoices. All of those claims were for small amounts, the vast majority under $500. This year my dog had major surgery that cost in excess of $15,000. I submitted that claim and after a few days I was told that there was an "error" in the invoice. So, I contacted the animal hospital and had them send a new invoice. I submitted that invoice and was again told there was an "error". So, I called customer service to discuss the issue. I was on hold for at least an hour trying to get through to determine what exactly the issue was. The worst part of all of this is during the period where my dog had a rough recovery from the surgery. My guess is that if a claim reaches a certain dollar figure they give you the run around in hopes that you'll get frustrated and/or drag your feet so the claim doesn't get paid out. Very frustrating dealing with the customer service agents who were fairly clueless. Needless to say I'm very disappointed in this most recent transaction.
Insurer: Healthy Paws
By: John Wardell
Filing the claim through the App was…
Filing the claim through the App was very easy, and the payment process was very fast.
Insurer: MetLife
By: customer
Our dog had surgery on 7/15/26
Our dog had surgery on 7/15/26, and I had the payment from MetLife within a week.
Insurer: MetLife
By: Julie
Prompt assistance with claims and…
Prompt assistance with claims and refunds!
Insurer: MetLife
By: Vaishnavi Krishnan
Family plan for my kittens…
Setting up insurance on my new kittens was easy
Insurer: MetLife
By: Alesha Ferguson