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 September 13, 2025

Was super easy to sign up and pay

Was super easy to sign up and pay. Thank you!

Insurer: Prudent Pet

By: nicolaslauffergmail.com

Verified September 13, 2025

Very happy with the results and speed…

Very happy with the results and speed of getting reimbursed

Insurer: Fetch

By: Georgia

September 13, 2025

Excellent process and quick payment

Excellent process and quick payment! We received the money within one or two days. They saved us from many high vet bills and helped our pets stay healthy and happy. They are expensive, but it’s worth it!

Insurer: Embrace

By: Sara

September 13, 2025

If you're on the fence about your pet insurance......

When Embrace says submitting claims is easy, they aren't kidding. When I chose my dogs insurance, I was up in the air as to which one would be best. I've always had pets, but never had pet insurance. I'm very happy with my choice. My claim went through and was paid extremely quick.

Insurer: Embrace

By: Leslie M

September 13, 2025

Love how easy and quick the claim process is!

Submitting a claim is so easy and takes literally minutes. The review process is so quick too! I'm spoiled! Gonna take a lot to have another insurance woo me away from Embrace!

Insurer: Embrace

By: Susana Rios

September 13, 2025

Just made a claim for our Boys Wellness…

Just made a claim for our Boys Wellness Check and it was easier than trying to catch them to go to the Doctor? LOL Thank you, It's very easy to submit claims on your webpage.

Insurer: Embrace

By: Ron Wulff

Verified September 13, 2025

Great pet insurance and easy to use

I love how clearcut it is to be able to file a claim, upload my receipts, and receive the money back. All within a timely fashion.

Insurer: Spot

By: Cristina Arecco

Verified September 12, 2025

I've gotten a quick turnaround on…

I've gotten a quick turnaround on repayment for benefits.

Insurer: Spot

By: Joseph Nunez

Verified September 11, 2025

My experience has been great

My experience has been great. They are very prompt to wire the money right into my checking account. Thank you highly recommend this company for protecting your pups. I have two German shepherds that are covered with Spot Pet. Lori Mckay

Insurer: Spot

By: Lori McKay

September 11, 2025

Metlife is the WORST!!! NEGATIVE STARS!!!!

I would give negative stars if I could. The absolute WORST!!!! DONT WASTE YOUR MONEY!! My mother purchased a policy for puppies. Within less than 60 days afterwards, my mother passed away at the end of March. It took until June to finally gain access and for MetLife to grant me the authority to her account to get the policy transferred to my name so that I could submit claims for services provided for the puppies. The process of submitting claims is not easy. You will need to be sure that your veterinarian gives thorough soap notes as well as an itemized invoice in order to file claims. So if your veterinarian is difficult to work with in this process it will indeed it affect your ability to get reimbursed for the claims. Metlife was far from easy to work with took forever to get me on the policy and then ended up denying the claims because it had gone over the time to submit claims. How convenient for them? When the policy itself states that I should have had the authority to act on my mother's behalf. The claims were still denied regardless of my situation. I would NEVER recommend MetLife Pet insurance. My mother was elderly. Even if she didn't pass away and tried to do this on her own it would have been very difficult and confusing for her to accomplish. She would have most likely just thrown her hands in the air and given up. When you log into your account there's very limited information. There's zero history regarding payment history, communication history, message history, etc. It's very basic. It makes communication with them complicated and confusing. 👎🏼👎🏼

Insurer: MetLife

By: Erika

Compare top pet insurance providers plans.