MetLife | Pet Insurance Review

Hopefully MetLife works out for us!

It was easy and fast

If you are looking for a pet insurance company that actually honors its policies instead of taking your money and running, look elsewhere. We have paid MetLife monthly premiums for nearly a year, yet we have not been able to apply a single dollar of our doctor visits toward our deductible. Why? Because MetLife’s claims team works overtime to blame absolutely everything on "pre-existing conditions" to avoid paying out legitimate coverage. Most recently, they denied a claim for an issue involving my dog's foot/toe. Their reason? They are trying to claim a completely unrelated foot issue is somehow "pre-existing" based on completely generalized medical notes. It is absolutely ridiculous! They will twist any past vet visit, no matter how irrelevant, into a blanket excuse to deny new, completely separate illnesses or injuries. They are incredibly polite in their emails ("give Zuma plenty of treats!"), but don't let the friendly tone fool you. Their business model is designed to collect your premiums and deny your claims. We are currently trapped in an ongoing, exhausting fight to appeal their bogus decisions. Save yourself the monthly financial drain and the massive headache. Future buyers beware: MetLife is a massive waste of money when your pet actually needs care.

It was quick and easy to purchase pet insurance for my dog.

Great experience hope I never have to use it.