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.
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Easy to apply
Easy to apply. Quick response.
Insurer: Nationwide
By: Renee R
I have had this insurance for 6 years
I have had this insurance for 6 years, had only submitted a few small claims in 2024. Fast turn around for payment. This year my dog was hit by a car, was hospitalized and required surgery. Submitted claims and was asked for medical records from 2020 to 2022. Once they received them they promptly paid out on $21,000.00 worth of claims. Was impressed, and thankful, for the speed of payment on these claims as I live on a fixed income. Would highly recommend Healthy Paws to anyone considering pet insurance
Insurer: Healthy Paws
By: Patricia Coyne
Really read all things related before giving this company your money
I paid six months at $232 for 5 pets because it sounded smart. I have a dog, that has a pre existing condition of a torn ACL. Policy state that they cannot cover pre-existing conditions until you have paid for 6 months. I was like, great.Let's do this. Also, I'd like to mention that this company was sponsored by my husband's union. So It felt legit. We don't make the type of money to really afford that, but we did it. Because we love our animals. So the day after I make my six month payment, I test it out on my oldest cat just because she hasn't seen the vet in some time. Needed some shots. Also a WELLNESS checkup. She is going through this phase though where she will poop or P outside the litter box. Not all the time, just sometimes. She literally taught the other cats how to pee in the litter box. So while we're at the vet, I ask about it. The conclusion he came to, she's probably dehydrated, and it's hard for her to get into the litter box. She's a bit bigger than she used to be.And she's old! Not a big deal that's not why I brought her. But the vet decided to give me liquid prozac to give to my cat to see if that would help with her going potty outside of the litter box. That did not make any sense to me. I'll be honest, so I just threw it away. But I did pay for it, and in fact, this whole experience cost three hundred and fifty dollars, but I thought it's going to be okay because I have pet insurance! Also I got to make sure my sweet baby is healthy. So I turned my claim in. And I wait and wait and wait. Then, I get a message 2 months later saying that the vet Did not write my cat's name on the claim? And I need to resubmit, I also noticed that my wellness claim was turned into behavioral. I didn't do that, somebody changed it! So I resubmitted the receipt for proof and also ask why does it say behavioal issues is my claim?No reply. 2 more months go by and I'm being asked to upload her medical records. Unfortunately, the vet I go to is an animal hospital also, they do not carry files any longer than a year. My cat has not seen a vet in many years. I finally get an email saying my claim has been decided that it is not refundable up to 90%, as stated. In fact, my claim has been denied. Heartbroken, because I really needed that money back. And I was counting on, six months ago. I will tell you that was the biggest waste of money I have ever invested in. I called that day and cancelled coverage. I explained why, there was no trying to help me solve the problem. There was no possible solution to help maybe reimburse the money I put in for no reason. I just made a really bad choice. It sucks
Insurer: Pets Best
By: Brenda Peters
Timely payments of refunds.
Timely payments of refunds.
Insurer: MetLife
By: Samlomena Boston
Been waiting for this resolution for a…
Been waiting for this resolution for a year. Unable to get payment reciept confirmation, or funds sent to a different bank account. They just tell me "the payment was never sent back by bank" WELL WHERE IS THE $200 I WAS SUPPOSED TO RECIEVE. it's surely never hit my bank account. Further, the pet's best website gave vet office's that would supposedly acccept direct payment but I was quite shocked to find out that the vet had absolutely no idea what I was talking about, and all services would be paid for upfront, with reimbursement later. THE entire reason I selected pet's best was because I was under the impression they had direct payment to the vet. All a lie, all a scam. Bank has absolutely no record of payment ever being sent. The customer service people are nice, but offer no real help. Have asked for emails for confirmation or receipt of payment being sent, was told it would be emailed. Never received.
Insurer: Pets Best
By: kierstyn mckinney
i needed coverage to start immediately
i needed coverage to start immediately, not 3 weks from now....please do not start payments
Insurer: Nationwide
By: customer
Faster payment and service than…
Faster payment and service than expected by far once everything set up and minimums met. With my poor furry baby needing more surgery, I am thankful for Trupanion to help ease the financial burden and stress of the situation.
Insurer: Trupanion
By: Jeffrey
Wasted time with online application.
The experience was good except for having to repeat the whole application process with the sales agent after receiving an "error" message after attempting online application. Do they really want you to have to talk to the agent?
Insurer: Nationwide
By: customer
Pumpkin Pet Insurance lured me in with…
Pumpkin Pet Insurance lured me in with a low payment in year one. Year two, my monthly payment increased by over 50%. When I called to speak with their insurance agent, she told me my rate increased due to CA regulations, my dog's age, and my home location. My dog is now 5 years old, I submitted no claims, and my address has not changed. This is clearly a bait-and-switch maneuver. I am changing insurance carriers.
Insurer: Pumpkin
By: Patrick Smith
I Do Not Recommend Healthy Paws
I insured both our dogs when they were puppies: one in 2014 and the other in 2016. The premiums began at a reasonable amount--our first dog started with a $31.96 monthly premium and that was with a $250 annual deductible and 90% reimbursement level. Our second dog started with a $39.03 monthly premium, a $100 annual deductible, and a 90% reimbursement level. I was happy to pay those amounts for the peace of mind and the fantastic coverage. We've had steady, but manageable rate increases every year. Fast forward to the last several years. For the policy period beginning in December, 2024, I had to increase both the dogs' deductibles to $500 in order to keep the monthly premiums at a somewhat manageable level. For the policy period beginning December, 2025, we were notified that our reimbursement level would be automatically reduced to 70% from the previous 90%. Apparently Healthy Paws implemented this age-based change last year. Our monthly premiums for this greatly reduced coverage are now $238.59 for our first dog and $200.28 for our second dog. Ouch. Just to put this in perspective, we have to pay out $500 for covered services for each dog before the policy begins to cover anything at all, and then that is only reimbursed at 70%. Will Healthy Paws drop our reimbursement percentage even further when future renewal anniversaries roll around? Who knows? The current monthly premium represents a whopping 646.527% increase from the original premium for our first dog and a 413.144% increase from the original premium for my second dog! During 2025, I had to appeal two denied claims that were for covered services. The denials were eventually reversed, but it was a lot of hassle to go through and a long delay for claims that should have been initially approved. I should add that I am grateful for coverage we've received for some expensive health issues through the years. For example, a splenectomy and several days in the vet hospital for one dog resulted in a bill that was over $9000. Last year, that same dog had surgery to remove some liver masses. But, I may no longer be able to afford the insurance after this year--especially considering the higher deductibles and lower reimbursement levels. Since my dogs at this stage in their lives both have what would be considered preexisting conditions by another insurer, shopping for a more affordable policy elsewhere isn't an option. We're between a rock and a hard place. To sum up: when we signed up for Healthy Paws, it offered great coverage at an affordable price. In the last few years, our rates have skyrocketed and our coverage has been reduced. I can no longer recommend Healthy Paws.
Insurer: Healthy Paws
By: Susan T.