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


February 06, 2026

Would Not Recommend

I did not have a great experience with Pets Best. Trying to reach them by phone was awful. Every time I contacted them, I was placed on hold for at least 15 minutes before reaching a representative. It also took over a month to receive payment on my claim. Transferring ownership of the policy to my son was another unnecessary hassle, despite being told it would be an easy process. This insurance was supposed to provide peace of mind, but instead it caused nothing but frustration. I would not recommend them. I switched to another company, and they paid my claim within three days.

Insurer: Pets Best

By: M & M

Verified February 06, 2026

Very easy to submit claim and quick…

Very easy to submit claim and quick reimbursement.

Insurer: Healthy Paws

By: robin

Verified February 05, 2026

On-line sign up proces

On-line process is very easy to sign up your pet for coverage.

Insurer: Nationwide

By: Chris

Verified February 05, 2026

Highly recommended - fast, efficient service!

I have never had to use my pet insurance until these last few months (actually, never really had pet insurance until a few years ago) but man, Pumpkin has exceeded my expectations on all counts! The submission process is easy to do and they communicate within 24 hours to let me know status. Plus, you can have direct deposit to your bank so there's a very short wait period before getting your reimbursement. I HIGHLY recommend them!

Insurer: Pumpkin

By: Lauren Case

Verified February 05, 2026

Good company to get pet insurance

Good company to get pet insurance. Filing is quick and easy with no bumps in the road.

Insurer: Spot

By: James Karasoulis

Verified February 05, 2026

Takes a long time to reach deductible

Takes a long time to reach deductible. Once you reach the deductible, it takes FOREVER to process the claim and pay out.... once the pay out is there, it's more like a coupon rather than insurance.

Insurer: Spot

By: Brian Schoenburg

Verified February 05, 2026

Claims settled quickly

Claims are completed in a very short time and their Customer Service is great!

Insurer: Spot

By: Lynn Brown

Verified February 05, 2026

They make doing a claim easy and…

They make doing a claim easy and process the claim really quickly. Very easy to work with. Terrific company to work with.

Insurer: Spot

By: Ronald Sweeney

Verified February 05, 2026

The refund process is the easiest and…

The refund process is the easiest and fastest I ever experienced.

Insurer: Spot

By: Jonathan Osorio

Verified February 05, 2026

Easy to upload and reimbursement was…

Easy to upload and reimbursement was quick

Insurer: MetLife

By: Brent Brotherton

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