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.

13,916 total


Verified October 19, 2025

you take too long to review

you take too long to review your claims, you have more than doubled your cost in less than 3 years.

Insurer: MetLife

By: Matthew Boucher

Verified October 18, 2025

MetLife is easy to use

MetLife is easy to use. I upload my pet expenses and I receive reimbursement very quickly.

Insurer: MetLife

By: Sharon O

Verified October 18, 2025

Review and payment takes too long!!!

Review and payment takes too long!!!

Insurer: MetLife

By: EDDI-ANN FREEMAN

October 18, 2025

I cancelled- Fetch still requesting medical records directly from vet

I never had a claim. I found some language in the contract that I didn't like. I cancelled within a couple of weeks. Got my refund. I was perfectly happy. Now, a month later, I am getting emails from Fetch saying they are getting records from my vet. Why are they getting records about a dog that they don't even cover? I will be watching my accounts closely- they better not try to keep billing me.

Insurer: Fetch

By: JHenry

Verified October 18, 2025

Easy to Submit Claims and Quick Turn Around Times

Metlife has been great, the app is so easy to submit claims and payments arrive usually in less than 10 days! Any time Ive called customer service they are friendly and helpful with calls taking less than 5 minutes.

Insurer: MetLife

By: B Coon

Verified October 18, 2025

The advocate was very knowledgeable and…

The advocate was very knowledgeable and helpful. Now waiting on my payment

Insurer: MetLife

By: customer

Verified October 18, 2025

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

October 18, 2025

Inconvenient, Suspicious, and Poorly Designed

Payment date was moved without consultation. Horribly inconvenient when you're trying to pay, cancel, and move on. Website is designed horribly, no option to cancel without getting ahold of them directly, phone number links to a robot and asks for an extension that I was never given and isn't in the app. Makes me feel like I'm not allowed to leave, worries me that I will not be able to get this fixed and will be paying for 2 policies at once. I Just want a section where I can put in my card, pay it off, and leave.

Insurer: Sonnet

By: Val Carney

October 18, 2025

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

October 17, 2025

Charged for 4 months instead of 2 months advance payment

While buying the auto & tenant insurance, I was told that I need to make 2 months of advance payment. However, my CC was charged twice and I was made to pay 4 months of advance payment. On reaching customer care on chat, they were reluctant to check and resolve the issue. Rather than, they were pressing the fact that the payments for balanced months has been adjusted accordingly. Sonnet needs to understand that they need to adhere to their commitment while making purchase of the policy.

Insurer: Sonnet

By: Rajib Kumar Das

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