MetLife | Pet Insurance Review

My animals are very important. The first time I ever got insurance was through MetLife because I trusted the name. I made it abundantly clear the coverage I wanted. I made the mistake of trusting the MetLife agent to give me what I needed. I ended up with a policy that only covered $2000 which is nothing. If I knew that was the limit of the coverage, I never would have taken the policy because it was definitely not what I asked for. After my dog passed, I was advised I had a death benefit. So, I put the claim in, only to find out it got denied because I reached my $2000 limit, of which they only pay 90% so the actually limit is $1800. My premiums were more than that. Horrible coverage and will never go back.

We purchased what I designed to be "catastrophic" coverage for a young bully breed family member - 2500 ded., 90% unlimited afterward - for a very reasonable price. One ER visit and an allergy diagnosis later, we have exceeded the deductible and are receiving reimbursement. The claims upload process is easy, and our claims have been processed quickly, including a claim for boarding while his Mom was hospitalized and coverage for expensive hydrolyzed prescription food. Any questions/concerns we've had have been resolved by their customer reps, who are available 7 days a week. Getting coverage when our dog was young (7 months) avoided issues with preexisting conditions, as he had none at the time we purchased the policy (as documented in his adoption and wellness care vet notes). And I'm old enough to remember: "Get Met - It Pays" :-)

Thankfully, I've never had to use the insurance but the piece of mind that it's there is worth everything. My pup is still a young adult but, as he ages, I'm sure we'll need to rely on MetLife.

We’ve had Met Life 2 years or so, excellent experiences, easy online processing, claims reimbursed within a week or so , very important customer service is great . We’ve had several emergency room visits they were covered and Drs. Appointments , blood work and meds covered . I’d recommend MetLife 💯percent ..

This is the worse insurance company I've ever had. They have terrible customer service, they take months to give you your money back from a claim and won't cancel you when you ask them to. I was fed up with their terrible customer service, and waiting months to get my claim money back, so I asked them on the phone in January to cancel my policy. They said they would and they sent me an email to submit a cancellation request. I filled it out and sent it back. In February I was charged $80 for my policy that should have already been cancelled. I call in to ask about it and the lady says, " Oh yeah that's so weird. It looks like that policy was cancelled but a new one was opened and that's why you were charged this month." I told her I cancelled my policy completely with y'all and nothing should be active. I never opened a new one. She said " I will make sure everything is cancelled and we will refund you that money." So they sent me another cancellation request email to fill out and I did. I've been waiting 5 days now to get money that was taken from me without approval. Which made me negative in my bank account because I didn't have $80 to spend in the first place. These people will be rude to you on the phone, not cancel your policy when you ask them to, not give you your money back for a claim until months later, and steal money from you without consent. Terrible company, terrible insurance, terrible customer service. 0 out of 10. Would not recommend to anyone. This company only cares about money, not you.