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 17, 2025

Easy sign up process but why am I…

Easy sign up process but why am I charged a installment fee if I am not given another payment option?

Insurer: MetLife

By: MICHEL CASTRO

Verified October 17, 2025

Easy to use app

The app is easy to use. Payment come in a timely manner.

Insurer: MetLife

By: customer

Verified October 17, 2025

Easy app process to upload documents…

Easy app process to upload documents which in turn creates a claim for you. Status updates are provided once the claim is completed. You get notifications and pretty instant payment if you signed up for electronic payment through zelle.

Insurer: MetLife

By: Pico and Neela Pups

Verified October 17, 2025

Pet insurance for our fur babies

I just love the fact that everything is done online and is seamless.

Insurer: MetLife

By: customer

Verified October 17, 2025

So Easy and Convenient

Very easy to upload documents and file the claim. The direct payment through Zelle is amazing!

Insurer: MetLife

By: Ari

October 17, 2025

Amount of monthly cost

Pets Best Insurance is a pretty good company. They reimburse what they say they will and are finally reimbursing in a short time. I do have a couple complaints. I wish they could reimburse the claim before the bill is paid in full due to the fact that sometimes the bill is quite large and takes some time to pay it. Also, the monthly amount I pay for the insurance has gone up $20 a month in the past 2 years without warning. I think that is quite excessive and I did not change insurance companies because of pre-existing not covered so you are stuck with the same company. As stated previously, they do reimburse on time and what they say they will.

Insurer: Pets Best

Veterinarian: East Bay Pet Hospital

By: Jill

Useful
Verified October 17, 2025

Considering Switching

The response time for Embrace is great, but like any insurance company, they are always looking to tie claims to preexisting conditions which in some situation aren't the case. Just because one of multiple symptoms may be a preexisting condition, shouldn't make the entire claim tied to that one condition. For example my pup had a pancreatis attach which resulted in numerous tests, medications, and a hospital stay. Because he had diarrhea for a portion of the 5 days he was in and out of the hospital, the entire $4500 claim was denied. The nausea wasn't diarrhea related, the ultrasounds, xrays, food enticing medication, multiple pain relievers, all had absolutely nothing to do with diarrhea, yet the entire claim was denied with the rationale of preexisting diarrhea. This is frustrating and feels like railroading. I've actually considered switching insurance companies because of it. Reply: I did reach out to fight the claim and to better understand why none of it was approved. I was told because he had diarrhea during the course of his stay the claim decision wouldn't change.

Insurer: Embrace

By: T. Gentile

Verified October 17, 2025

The process is easy

The process is easy, and self explanatory

Insurer: MetLife

By: Ta'marra Devaroe

Verified October 17, 2025

Long time client disappointed

In general, I have been very pleased with the Healthy Paws Insurance program. It is easy to file a claim and the claims are processed quickly. However, I recently had a claim denied and I am very disappointed that their plan refused to cover an expense. The iris in our dog's eye changed color. Her regular veterinarians were unable to diagnose the problem saying they had never seen anything like it. We were referred to a veterinary opthalmologist. It turns out that she had a tumor growing in her eye that had to be removed to relieve pressure and to determine if it was malignant. Healthy Paws refused to cover the initial appointment with the ophthalmologist as it was categorized as a "consultation". It doesn't seem appropriate for this to be denied, as the consultation was absolutely necessary for a diagnosis and for the dog's well-being.

Insurer: Healthy Paws

By: Sara Buno Kremer

Verified October 17, 2025

it was great easy to fill out

it was great easy to fill out

Insurer: MetLife

By: jerry jackson

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