MetLife | Pet Insurance Review

Insured my dog for a year, never filed a single claim. My renewal arrived at $710.59 — up from $394.77, an ~80% increase for a healthy dog with zero claims. Leaving was worse. Enrolling took minutes online, but cancelling? The website chat told me cancellations can't be done by chat — phone only. I called, and instead of cancelling, they emailed me a form with a pile of questions to complete. Signing up: two clicks. Cancelling: a phone call and an interrogation form. If a company makes it this hard to leave, that tells you everything about how they treat customers. Switched to a competitor for less money and none of the gymnastics.

This company and their customer support must be the absolute worst in the industry. Our pet recently received treatment for an ear infection. Prior to authorizing the veterinary treatment and prescription medication, I spoke with one of their representatives. After asking whether our dog had been treated for this condition within the past 12 months, I informed the representative that the last possible occurrence was approximately two years ago when our pet was just 2 years old. Based on that information, their representative expressly stated that the treatment would constitute a new claim and would be eligible for reimbursement under our policy. Within a week of submitting our two claims on 10/6/2026, we received notice on 10/12/2026 that one of the two claims in the amount of $108.21 had been approved and applied toward our $2,500 deductible. The second claim, in the amount of $252.37, remained pending, and no follow up communication was ever provided. This is while our policy was still within the 30-day free look period. Upon reviewing our claim history last week, I discovered that both claims had suddenly been declined. This took place just after the 30-day free look period. I contacted customer service for clarification, and the representative stated that the claims were denied as a pre-existing, chronic condition. This determination directly contradicts what their representative initially told us prior to authorizing treatment on 9/14/2026. As I tried to further explain that we only authorized our vet to proceed with the treatment and prescribe the medication, the representative simply hung up on the call. I then wrote an e-mail to the e-mail address provided on their website and customer portal, pet_info@metlife,com, but never got an acknowledgement of receipt nor a reply. Furthermore, today there was a scheduled webinar for new policy holders to discuss how to file claims followed by a Q&A session; during the call and responding to incoming chat information, the moderator kicked me out of the session after bringing up my experience over our denied claim. The message here for anyone considering Metlife Pet Insurance - Be aware of their deceptive practices. They lure you in with friendly sales representatives, lauding all the benefits of pet insurance and their coverages, followed by getting a confirmation of a potential claim being covered from their representatives prior to having the vet performing the treatment, only to subsequently having your claim denied, representatives hanging up on your call, and moderators simply kicking one out of their live webinar intended for new insured to learn about benefits and submitting claims. Metlife Pet Insurance also ranks among the most expensive insurance companies - one would certainly expect better service.

Switched to MetLife from ASPCA for cost. Never put in a claim but second year premium went up 160.00. Called customer service told increase do to age 4yrs to 5yrs and where I resided didn’t change and inflation. I could not see why I was being raised over 40%. Cancelled policy beware of their pricing policy

I had Nationwide Insurance for about 10 years to cover 2 dogs and always remained in good standing. However, one year ago, they notified policy holders they would not be renewing policies but offered much lower grade coverage. MetLife was highly recommended by a relative so I gave them a try. WORSE MISTAKE EVER! Because of my dog's age he has arthritis and NO INSURANCE COMPANY covers pre-existing conditions. I am angry at Nationwide or leaving me cold and dry. In 5 months, I have paid over $1300 in premiums to MetLife only to be reimbursed less than $200 and not even for my dog's arthritis condition. Every claim submitted to MetLife is denied., attributing it to a pre-existing condition when it is NOT! Even a written statement from the Veterinarian denouncing a pre-existing condition does not convince MetLife. They also have the Veterinarian and I jumping through hoops after claims are submitted because they never have enough documentation to be satisfied. Even after submitting everything they request, claims are still denied. I will be canceling MetLife and will pay my own Veterinarian expenses since I'm already doing that and will save almost $300 per month on premiums.

MetLife uses fine print to inform you about waiting periods. Also, they do not want to cover simple x-rays. Very disappointed. They kept saying she had a pre-existing condition which wasn’t the case.