MetLife | Pet Insurance Review

It's was great to see that I could afford care

Everything went well until I clicked the chat button. They weren't available for chat but there was no way to get rid of the chat box. Hoping nothing was hiding behind that chat box as I finished the transaction; I did not want to start all over.

I recently got meltife pet insurance for one of my dogs. After reading the policy in full and seeing clearly that injuries were covered on day one of policy, I decided that this is the insurance I would choose. Shortly after my policy started, my dogs leg was stepped on by another dog causing her to favor her left leg. I submitted a claim which was denied. I appealed the claim and submitted amended chart notes that gave proof of the diagnosis and the cause of injury. The appeal was again denied. I decided to send all documents and went section by section to provide as much evidence to show that this was an injury. Metlife denied my appeal stating that the strained ligament and bone chip were caused by a predisposed condition. My dog has never been diagnosed with any previous conditions, let alone a musculoskeletal condition. Metlife is therefore claiming that my dog was diagnosed with an illness that is nowhere on her medical record and deeming her injury as an illness. This is falsified assumptions and is being decided by a claims adjustor who has no apparent knowledge of the difference between injury and illness. This insurance company is not looking out for it's customers and refuses to look further into the claim.

Excellent customer service!

cool and convenient