MetLife | Pet Insurance Review

Unlike our first claim, this one went through with no issues at all. I submitted the documents and received reimbursement 9 days later.

Very easy to file a claim and the response was prompt.

At time of pet insurance purchase I did all that was requested of me by MetLife to start the policy, including giving the past 12 months of vet records for them to review. I pay $60 a month for the insurance. Our dog needed several visits to a dermatologist during the policy duration which MetLife started reimbursing me for. Then they stopped reimbursing me for dermatology visits when I would turn in the billing statements stating that they made a mistake and upon further review, the services were not covered. At this point, they had reimbursed me about $1600. It was my understanding that because I had turned in all my 12 months of previous vet records for MetLife to review before the policy started, they deemed the services to fall under the policy. 9 months after the last reimbursement payment to me, I get a letter from MetLife stating that I had 15 days to get over $1000 to them for the overpayment they made to me for ineligible services! Ultimately, I did everything MetLife said I needed to do for my pet to be insured under them, they made payments to me based upon their review of my previous vet bills and current situation, then 9 months later said I needed to pay them back $1000 of the $1600 they paid for dermatology services in 15 days otherwise I was going to be turned into a collection agency. Can you imagine if human insurance worked like this?!?! Covering medical bills and then deciding 9 months later not to cover them and saying people owe a significant amount of money back to the insurance company within 15 days! DO NOT GET METLIFE PET INSURANCE- THEY MAY COVER MEDICAL BILLS AT FIRST WITH PAYMENTS TO YOU INITIALLY, BUT AT THE END OF YOUR POLICY TERM THEY DEMAND THE MONEY BACK SAYING THEY MADE A MISTAKE.

Customer service is excellent. Very quick response and reps are courteous and very helpful if u have questions.

Quick reimbursement and easy to file for refund