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
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Performance Dog Agility Injury
Coming from another insurance company, the claim process is as easy however I found I was not able to leave any explanation or comment. Also, there were no instructions for how to receive payment. On my previous company's claim site, everything was right there from the beginning. By not having a place for explanation/comment, I feel I will have to guide my veterinarian on how to comment as the practice is extremely busy and sometimes the vet notes are not as descriptive as necessary.
Insurer: MetLife
By: Carol
Hip Replacement
Was easy to use and payment was relatively speedy. Overall super satisfied!
Insurer: Pets Plus Us
By: Marty
Absolute failure on all levels - DO NOT use this insurance company
I wish I had contacted the BBB and read their reviews before signing up with Pets Best. They are awful. I have had one simple claim in the past year since starting this policy. I was told when I signed up that claims are processed within 15 days. After 30 days for this claim, I started calling and was told that it is actually 42 days. No one could tell me if/when my claim would be processed. Every phone call to customer service involved 30 minutes + on hold. Customer service reps know nothing and are not helpful whatsoever. After repeated phone calls with no resolution and no end in sight, I opened a case with the BBB. Several days after that I received a letter from Pets Best letting me know my rates are increasing 45% at renewal next month. When I signed up I was told to set up direct deposit so claims would get paid out in 1-2 days. I did that, yet my payment took a week. I cancelled my policy the day my reimbursement hit my checking account. This is a horrible company and I am shocked they are still in business. Do not use this company! I will be sure to spread the word.
Insurer: Pets Best
By: Sue
Beware of policy wording - read fine print
This company has very misleading advertising. They claim to cover 90% of the bill but they don't cover taxes or exam fees! Where I am taxes are 13% which means they cover 77% at best. They claim to not raise premiums based on age but it's clear from reviews you can expect a 50-100% increase when the dog is a few years old. (I feel they rely on cost sunk fallacy.) They don't cover dental extractions if your dog is a heavy chewers or doesn't get frequent cleanings. The deductible is per illness so if your dog starts vomitting after an emergency vet visit you will still be on the hook for the deductible again. Cancelling wasn't too much of a hassle. I cancelled almost immediately after signing up. Hopefully it gets processed quickly.
Insurer: Trupanion Canada
By: Nicole
Claims processing
The worst of all I've worked with over the years. Claims submitted accurately and completely take weeks for any attention and then never communicating if any additional proof needed. Don't believe their 5-10 day processing nonsense. Like clockwork your premium payments are addressed though. They should put that kind of focus on reimbursing their clients
Insurer: MetLife
By: Reese
Tibia Fracture in my Senior Cat
I Had to take my 16year boy to a Board Certified Surgeon to have a fracture repair which is very costly. approximately $7000. It was hard to come up with the funds up front but I managed and got remburssed very quickly!!! I was expexting to have to wait about a month for the funds back but they where much faster and it only took a week!!! This was a HUGE realife as I had to borrow the funds from friends and was able to pay them all back ASAP:) Without pet insurence this would not have been possible at all!!! THANKYOU
Insurer: Pets Plus Us
By: Jaimie
Super easy and quick!
It was very quick and seamless to get my quote for Beans. The app was very transparent in what would and wouldn’t be covered and after our visit the reimbursement was in our account within 48 hours! Highly recommend.
Insurer: Lemonade
By: Kyleigh
Excellent Provider
I submitted a pre authorization for my dogs surgery . It was approved. I submitted the invoice immediately after paying . I had my reimbursement into my account in a week ! I was so happy . No hassle .
Insurer: Pets Plus Us
By: Robert
Great Coverage
I love MetLife's Pet Insurance! They are always super helpful when I have questions or concerns about my policy. The app is pretty easy to navigate, and sumbitting claims on the app is pretty easy too!
Insurer: MetLife
By: Ashley
Think Twice before using Pets Plus Us
I discovered a charge come out of my bank account, then discovered the same charge had been withdrawn from my account for 3 years! How I missed this I have no idea, bad on me for not noticing sooner, however it was was CONFIRMED that my cancelation was documented that I did indeed canceled in their records- however they decided to continue pulling funds month after month, year after year. 2021,2022,2023, 2024 I will say that the lady I spoke with was lovely, concerned about my situation and did her best to help me at her level. This situation was requested to be expedited by me, and to date not one dollar has been returned in spite of an expedited concern and error on their part. I will reach out to Consumer protection as a next step.
Insurer: Pets Plus Us
By: victoria