MetLife | Pet Insurance Review

I rescued another dog in 2024. Received no information so purchased MetLife Pet Insurance before any vet visits. Visits went to my deductible. My vet received vet notes from prior owner and I submitted everything. My vet recommended tests for an issue that cost $2488. MetLife let me pay down on my deductible but when this would go into reimbursement, MetLife denied the claim saying "pre-existing". They can, and will, claim anything expensive as pre-existing in order to not pay out.

Can’t say enough good things about the exceptional customer service, the ease of filing claims, the quick response time, and the coverage. Thank you very much!

This has been the best purchase as a pet owner I could have made. The first year it covered itself. My dog is 2 and recently had a bad experience. The bill was an unexpected $1700. Right after Christmas AND a needing a new oven. 😂. MetLife pays fast! Typically within 7 days. Their Customer Service is amazing and our fur babies have great care. I will always choose my pet over, well pretty much everything, but makes the stress less, especially when worrying about their care, that I can still play the mortgage after an unexpected vet bill!

I submitted my puppy's emergency vet claim on December 8, 2024, and since then, I have contacted MetLife daily, only to receive inconsistent answers regarding the status and processing time of my claim. Their app and website misleadingly state that processing takes 5 to 10 days, but it's clear that this is far from the truth, as I have received no updates after that period. My dog had a follow-up appointment and is due for another one, but I cannot afford this additional cost while MetLife holds $2,200 of my emergency funds. This situation is unacceptable, and I am deeply frustrated with what appears to be a scam. I am concerned that when they finally review my claim—likely in six months—they will deny it altogether. I expected better from this insurance, especially since I pay my premium automatically through my employer. At this point, my only option is to wait the official 30 days and then escalate this matter to the State of Michigan and pursue legal action if necessary.

Needed to submit a claim after only being in the plan 2 months. The customer service was great and my claim was reimbursed quickly