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.

12,741 total


February 23, 2026

Peace of Mind for Good Vet Care

I have two large, active dogs on Trupanion and wouldn't change that for anything. Having peace of mind that I can provide care and support for my dogs as well as quick payment for my vet team is everything. The only issue we had was not being covered for a bag of gastro dog food my vet prescribed for because of a minor technicality. Everything else has gone so smoothly though and we love Trupanion.

Insurer: Trupanion Canada

By: Hailey McWilliam

Verified February 23, 2026

My claim was done in record time

My claim was done in record time I still thought I got more of a reimbursement

Insurer: Fetch

By: Kathleen

February 22, 2026

I am still waiting on my reimbursement…

I am still waiting on my reimbursement for a claim I placed 2 weeks ago. I called and was told it could take up to 14 "business" days to receive my reimbursement. My smaller claims in the past I received in 2-3 days, but because this is over $100 my guess is they are looking for a reason to deny it. Either way, 14 business days to receive your reimbursement is an exceptionally long time, in my opinion to wait, especially if you are on a budget.

Insurer: Embrace

By: Jennifer Griffin

Verified February 22, 2026

It has been very easy to file claims…

It has been very easy to file claims and receive reimbursement

Insurer: MetLife

By: Casey

Verified February 22, 2026

This is my first claim

This is my first experience with pet insurance. First claim. It was super easy. Got the check in the mail today. Very pleased.

Insurer: Spot

By: Cindy

Verified February 22, 2026

Smooth claim process

Smooth claim process: We have had pet insurance for several years and submitted out first large bill. I feel they were fair in what they allowed for reimbursement. It was quick and easy to submit the claim and it was finalized fast. I just hope that my rate is not increased after this.

Insurer: Fetch

By: Pilar Ortega

Verified February 22, 2026

Easy to use Healthy Paws website and…

Easy to use Healthy Paws website and phone help is also available. Easy to submit claims; documents promptly reviewed with prompt payment of covered items. My dog has several health issues that have required vetinary interventions, including several hospitalization over a six year period. My puppy is 6 year old puppy and for the six years I have had Chewy Health Insurance. I am so glad that I chose Chewy for my beautiful and loving dog.

Insurer: Healthy Paws

By: Joanne M.

Verified February 22, 2026

Quick reimbursement

Quick reimbursement. Easy upload of documents.

Insurer: Fetch

By: Tammy

Verified February 21, 2026

Quick and easy

It was very simple for the Emergency Hospital to find my account and allow the payment to go directly to them.

Insurer: Trupanion

By: kathyk

Verified February 21, 2026

Easy filling and quick refunds

Easy filling and quick refunds

Insurer: Spot

By: Michael L Kapperman

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