MetLife | Pet Insurance Review

I have 3 cats (1 old and 2 middle-aged) and every one of my claims experiences with MetLife Pet has been easy: there is acknowledgement and follow-up, documentation is clear and understandable, and every interaction is timely, professional, and courteous. If I had 1/2 this level of service from my own medical insurer, I would be thrilled. What does and doesn't get paid, is clear, and clearly reflects the policy terms for which is signed up.

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 ..