MetLife | Pet Insurance Review

I am submitting this complaint regarding improper billing and failure to resolve an overpayment issue with MetLife Pet Insurance. MetLife Pet Insurance overcharged and withheld funds totaling $540.24, plus an additional $87.63, despite my policy premiums being paid through automatic payroll deductions. My pet insurance payments are deducted directly from my paycheck, and I submitted proof of these deductions after MetLife incorrectly claimed they had not received a payment since September 24, 2025. That statement is inaccurate. I can see the deductions on my paystubs and the payments posted in the MetLife app. At no point did MetLife notify me of a missing payment, which reflects a failure to communicate a billing issue in a timely manner. I first contacted MetLife about this issue on December 4 and was told it would be resolved within 3 to 5 business days. More than a month has passed with no resolution or meaningful follow-up. On December 5, MetLife withdrew an additional $540.24 even though the policy had already been paid through payroll deductions. MetLife also scheduled further prorated withdrawals of over $500 and another charge of over $300 for January 1, which should never have occurred. I canceled my policy solely to prevent additional unauthorized withdrawals. MetLife later claimed that canceling the policy made it harder to resolve the issue, despite having my payment documentation. I made repeated attempts to resolve this matter by phone and email and requested to speak with a manager or supervisor but was not provided access. I spoke with multiple representatives, including individuals named John, Amanda, and Monica, none of whom were able to resolve the issue. Follow-up communications consisted of repetitive questions rather than addressing the documented overpayment. I am requesting a full refund of all overcharged amounts and correction of MetLife’s billing records. This experience has caused me to lose confidence in MetLife Pet Insurance’s billing and customer resolution practices.

Easy set up and decent rates.

It was quick and easy to file a claim and the had a fast turn around with processing the claim.

Timely response to claim.

Very efficient process for filing a claim and the turnaround time was quick.