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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Don't bother with this insurance
I give them a big fat 1 star. This company is very quick to take your payment but when it comes time to reimburse a policy holder they find any and every reason possible to not pay out. For an organization that says they help pets I would have thought better of them. They will not be getting anymore of my money ever.
Insurer: ASPCA
By: David Pogue
Professional and expedient!
Customer service was excellent and guided me though the process to complete submittal. Near instant feedback and payment. Super easy to submit a claim. Unbelievably quick!
Insurer: Trupanion
By: Christopher Heczko
Quick and easy process and refund…
Quick and easy process and refund received.
Insurer: MetLife
By: GHP
MetLife is easy to use
MetLife is easy to use. You just upload the invoice and doctors notes and they get back to you within weeks with a deposit that goes right into your account once approved.
Insurer: MetLife
By: customer
could not pay with credit card
could not pay with credit card
Insurer: MetLife
By: RAFAEL SALVADOR REQUENA BRACHO
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.