MetLife | Pet Insurance Review

Good service and simple coverage policy. It will be nice to have phone app or electronic form to easily fill out online and easy to attach receipt.

I really appreciate the flexibility in creating a custom plan. The reimbursement is comparable to other similar per insurance companies. My review of 3/5 stars comes mainly from the reimbursement process. It’s unclear what exact documents are required for reimbursement, and almost every time I have to go back in to figure out what is needed. It’s not an easy or intuitive process. It’s very frustrating to get a delay each time, especially when waiting for a significant amount of money to be reimbursed.

The professionalism and promptness of processing the claim

We have been with MetLife for four years now and this year both of my premiums jumped ~$20 for each of my girls. The customer service rep couldn't give me a good answer as to why. I ended up canceling our younger girl's policy and going with another company. I had to keep our other policy because unfortunately we are going through chemo at the moment. With chemo, we are asked to do a follow up CBC on week after each treatment, and after every single CBC, the claim is denied and I'm back on the phone with a rep trying to get them to reprocess the claim when it's clearly stated in the chemo POST note to follow up in a week with a CBC. This current go around, I've been hanging in limbo with MetLife over a claim for two weeks now and no one can seem to resolve the issue. At this point, my policy has renewed and I'm afraid the claim will go towards my current policy. If you are reading this and considering MetLife, please be prepared for ridiculous price hikes with no notice when your policy renews, a non-working app, customer service reps who are unable to help with getting claims processed correctly, and absolutely no communication/continuity of care when it comes to picking up where your previous call left off so you have to start from scratch each time you call about the same issue. Please consider going another route with your pet insurance. We've loved MetLife until this year. I'm not sure what's happened.

I should have learned my lesson from my previous experience with MetLife pet insurance. They are horrible to work with. They take forever to reimburse for a claim. Your premium is always going up. They make excuses as to why something isn’t covered. Just a horrible company to have pet insurance through.