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.

15,056 total


February 28, 2026

I’ve submitted 2 claims so far and it’s…

I’ve submitted 2 claims so far and it’s been so easy to do. I get reimbursed quickly every time. I love Spot Insurance.

Insurer: Spot

By: Janyne Wiley

February 28, 2026

I would give 0 stars if I could

I would give 0 stars if I could. Fetch is a scam. My rates went up by hundreds of dollars each year even as I reduced coverage each year to try to lessen the blow. This fall they misinformed me about the cancellation policy when I called about my rates being raised exorbitantly. Then they were not able to help me cancel when I called before my policy renewed, then they lied about when I first called them and stole my money after I paid them thousands of dollars over the years without making any claims. Update 1: In their reply to my review they continue to lie. The initial call they are referring to was to discuss options which included me asking about cancellation policy (when I was misled about). I called again before the policy renewed to cancel but the person I reached told me they could not help me cancel because they were not authorized to help me cancel. Fetch refuses to give me transcripts/recordings of my calls. They've said feel free to call us anytime but they have stopped replying to my communication with them and also refused to give me a phone number/extension to reach a supervisor directly. Update 2: I received a refund after... -38 emails exchanged between myself and Fetch support -A failed BBB complaint -A failed CDI complaint In the end, I was able to remember and quote some lines from my first conversation with a Fetch representative that I found to be misleading. I requested a recording/transcript of the call several times, I was never given a transcript/recording. However after I remembered and shared the misleading quotes from the call, Fetch agreed to refund me.

Insurer: Fetch

By: Monica E

February 28, 2026

It was very easy to file my claim and…

It was very easy to file my claim and it was processed very quickly as well.

Insurer: Spot

By: CindyF

February 27, 2026

Prompt processing and funds…

Prompt processing and funds reimbursement. Very happy with timeliness and actions taken to process claims quickly.

Insurer: Spot

By: Barbara Laydon

February 27, 2026

Spot Insurance is easy to file claims…

Spot Insurance is easy to file claims with and has a quick turn around on resolving claims.

Insurer: Spot

By: Harry Yeakel

February 27, 2026

Quick and easy to sign up.

Quick and easy to sign up.

Insurer: MetLife

By: Kailey Reyes

February 27, 2026

Communication has been easy

Communication has been easy. Payment has been expedient.

Insurer: MetLife

By: Angie

February 27, 2026

I submitted my claim and I had my money…

I submitted my claim and I had my money very quick with no denial which I have told my friends and family how great my dog insurance is. I appreciate it very much

Insurer: Spot

By: Heather Montecinos

February 27, 2026

Easy to sign up

Easy to sign up

Insurer: Nationwide

By: customer

February 27, 2026

I was so grateful (and surprised) when…

I was so grateful (and surprised) when such a substantial part of my dog's dental work was covered by Met Life. I have repeatedly had really positive experiences with speedy claims action. (And this is after 5 cats and two dogs)

Insurer: MetLife

By: customer

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