MetLife | Pet Insurance Review

Super quick and easy to understand

After we submitted the information about the visit, we quickly heard that everything was all set. We received the money quickly directly to our bank.

Buckeye was seriously ill, our vet was quite thorough. So there were several lab tests, and an over night in doggy CCU. As you can imagine the bill was also serious. Thank goodness for MetLife Pet Insurance. It took a couple back and forths to get all the paperwork to the right place. But once that was done the reimbursement hit my account, in plenty of time to pay the bill. Buckeye is well and I’m not broke. All is good!

I purchased MetLife Pet Insurance to protect myself from unexpected veterinary expenses. Unfortunately, when I needed them most, my experience was incredibly frustrating and disappointing. My dog Coco underwent surgery in March 2026 after developing symptoms that began only 10-12 days before treatment. MetLife denied my claim, claiming the condition was pre-existing. The problem was that their decision was based largely on inaccurate notes taken by a non-clinical staff member during my initial consultation. The notes contained multiple obvious errors, including listing my female dog as a male, incorrectly stating she had a C-section when she did not, and misstating important details about her medical history. Despite these errors being identified and corrected by both the treating surgeon and Coco’s longtime veterinarian, MetLife continued to rely on the same inaccurate information through the initial denial, first appeal, and second appeal. Over the course of several months, I spent countless hours on the phone with multiple representatives, repeatedly explaining the same concerns and asking that someone simply contact the veterinary hospital to clarify the discrepancies. I obtained letters from the hospital manager, the treating surgeon, and Coco’s longtime veterinarian, all of which supported that there was no documented history of respiratory issues prior to the symptoms that led to surgery. What concerns me most is not just the denial itself, but the apparent unwillingness to fully consider corrected medical information and thoroughly investigate obvious discrepancies before making a decision. I also was not clearly informed of all of my options during the appeal process until it was nearly too late. Pet owners purchase insurance for peace of mind. My experience with MetLife Pet Insurance was the exact opposite. Instead of feeling supported during a stressful situation, I spent months fighting to correct inaccurate information that should have been addressed from the beginning. Based on my experience, I would strongly encourage anyone considering MetLife Pet Insurance to carefully review claim denials, obtain copies of all records, and be prepared to advocate aggressively for themselves if discrepancies arise. Claim#3389901

MetLife Pet Insurance has decreased the amount of stress I carry in my day to day life. Knowing I can afford to go to the vet when my dog has any concerns is such a big relief. MetLife customer service is always so kind and I am never stuck on a telephone tree speaking to robots. I always have kind, helpful agents. They are always fast to respond to claims and reimburse me. I never thought I’d get pet health insurance especially with how bad human health insurance has gotten. But I can say hands down MetLife Pet insurance it is worth every penny.