MetLife | Pet Insurance Review

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.

First of all, they take forever to process a claim. On top of that, they will ask all sorts of history and soap paperwork. They make it hard for you and eventually deny the claim. Will NOT recommend.

Our young cat had acute bladder inflammation that needed diagnosis and treatment. Met Life’s online claim submission was simple and I had no problems getting the claims covered. It was very helpful for us.

Denied claims for being a prior condition when there was no diagnosis prior to insurance being purchased Was not given the oppertunity to appeal or explain the claim.

Getting MetLife Pet Insurance was the best thing I ever did for my 3-year-old Razor Edge Bully, who has been with me since he was 8 weeks old. I came across MetLife Pet Insurance as one of the benefits my job offers, and since he was my first dog, I signed up for it . I went almost two years without using the insurance because my baby was healthy, attending routine vet appointments and eating healthier than I did at times, LOL, since we monitored what he ate and did. However, randomly last September 2024 , my energetic, happy, caring, and loving baby began to show weakness and got sick. So we rushed him to the vet, and he apparently had stones in his bladder. Of course, I had to pay for everything upfront, and since I had never been in this sort of situation, I didn't know what to do about MetLife Pet Insurance. However, once I called them and spoke to customer service, they were caring and understanding of my situation, walking me through everything I needed to know about my policy, what was needed to submit a claim , how to submit it, and the entire process . They even followed up with me on everything. To this day, I receive emails from some of the customer service agents asking about my furbaby and his health. I will forever be grateful and love MetLife Pet Insurance. Thank you for everything and for having my furbaby's back!