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.

13,606 total


Verified March 25, 2026

Easy to file claim after loading…

Easy to file claim after loading medical history. Payment was prompt.

Insurer: Fetch

By: Chip H

Verified March 25, 2026

Easy and quick

Easy and quick

Insurer: MetLife

By: Maria Belli

March 25, 2026

Claims processed quickly and fairly,

Funds for claims are sent directly to our bank checking account. Claims are processed quickly and are always fair, based on the policy we chose,

Insurer: Pets Best

By: Anita Mitchell

March 25, 2026

You processed the claim very quickly

You processed the claim very quickly, and we received the payment even before our credit card bill arrived.

Insurer: Pumpkin

By: Ashley T.

Verified March 25, 2026

I wish my personal insurance was as…

I wish my personal insurance was as easy to deal with as Pumpkin is. I have never had a bad experience in dealing with them. Payment and refund is quick and easy.

Insurer: Pumpkin

By: Wendy

Verified March 24, 2026

How friendly everybody is how easy it…

How friendly everybody is how easy it is to put a claim in on your pet and the promptness that it’s paid

Insurer: MetLife

By: Mark

March 24, 2026

Satisfied Customer

I would like to extend my sincere gratitude to the pet insurance company for providing a timely and satisfactory refund for the expenses incurred. Your prompt response and efficient handling of the claim made a difficult situation much easier, and I truly appreciate your support. Thank you for your excellent service.

Insurer: Pets Best

Veterinarian: Banfield Pet Hospital

By: Carolyn

Useful
March 24, 2026

Absolutely disgusted it with this…

Absolutely disgusted it with this company. I have paid every single month for both of my dogs for the last five years. I’ve never filed a single claim. I recently called to verify my coverage and to find out if I could reduce my bill because of financial difficulty. At the beginning of the call she verified my address and found that it needed to be updated as soon as she updated my address she told me there was going to be a $50 a month increase to my bill just because of where I lived. They’re already increasing my premium, the annual, which would be an additional $20. So now instead of being able to save money, they’re charging me $70 more a month just because of the update to my address.I called back concerning this because I found it to be really disheartening that a company that I’ve been loyal to and paid my bill on time every month and never used my coverage would not be able to reduce my bill unless I changed my coverage to a plan lower coverage than I was comfortable with. I spoke to three individuals and was escalated to a supervisor trying to reason with them. why a loyal customer could not be helped beyond reducing my coverage. Each time all they told me was, there was nothing they could do but reduce my plan as someone whose family is in the service, which is the only reason why I had to move to a different demographic not because I wanted to live in a more expensive neighborhood or that I could afford to do so this is absolutely disgusting. The only other option I was given was to restart my policy with erasing the last five years of what I’ve paid in my coverages to a new plan could reduce my monthly bill. but it would also take away any coverage for the next six months for all major medical issues. Leaving me completely exposed if anything were to happen to my pet for six months. Why could a new customer just starting their plan Have a more affordable monthly cost than someone who’s been paying for five years? Ultimately, I will never do business with them again I am a part of a multitude of dachshund Mom Facebook groups and I’m very active in the community and I have always recommended Embrace Insurance because of that. Now I will be actively recommending against them if this is how they treat their customers. I’ve also worked in the Dog industry for the last 20 years and recommend them not only to my friends and family, but my clients and now any recommendations that I’ve made, I will backtrack and withhold because of this experience. I hope you seriously read the reviews from this company and find other insurance companies to trust your pets too because the lack of caring and ability to help their customers is absolutely abysmal.

Insurer: Embrace

By: Kathy firsch

Verified March 24, 2026

Easy!!!

Easy to apply online.

Insurer: MetLife

By: Stephanie Bayless

Verified March 24, 2026

MetLife Pet Insurance Claim Review

MetLife’s claim insurance is easy to navigate and takes less than 5 minutes to submit. MetLife is true to their promise of reviewing the claim in 3-5 business days and is very responsive. My claims have always been reviewed and closed within the timeframe promised. Thank you, MetLife!!

Insurer: MetLife

By: Irene Sharp

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