MetLife | Pet Insurance Review

4.6

out of 5

Number of reviews 5,888

2022, 2023, 2024 and 2025 Winner of Pet Insurance of the Year Reimbursement for up to 90% of vet costs Coverage for pets of any age and breed, and no lifetime or per incident limits Get a quote in 2 minutes or less
1

out of 5

POSTED: | BY: Disappointed

It takes too long to get your money…

It takes too long to get your money back and the customer representative are not friendly and sort of smart mouthed.
5

out of 5

POSTED: | BY: Tanya Cain

Best Pet insurance

Since , I had met pet insurance it's been the best policy that takes care of my pets needs. Also helps us save money.
5

out of 5

POSTED: | BY: Theresa Yanney Allen Fielder

They cover high cost vet bills due to…

They cover high cost vet bills due to injuries. The money is sent to checking account within a month
2

out of 5

POSTED: | BY: ANITA SHOTKOSKI

Multiple issues

Claims take way too long to be reviewed and God forbid if they need further documentation because then they won't look at for another 2 weeks. I also dislike that when I make a separate claim for one pet and then a separate claim for the second pet the same day then somehow they get combined and it's a mess. And if I make a different claim the next day, somehow it gets thrown on to a previous claim. I also don't appreciate how when a claim is finally completed it appears MetLife has the option to go back and change the determination and seemly erase it had previously been completed and approved. This happened to me where a claim was used towards my deductible and I therefore had met the deductible and so the next claim I got a small payment. Well, several weeks later now someone went back to that claim and denied the claim so those charges no longer went towaeds my deductible, which I can't believe an adjuster would actually have the time to review previous completed claims when they take FOREVER to work the ones that need to be completed. Maybe that's the problem IDK. Also, the App is a nightmare. Constantly having to get an authentication code by email. EVERY single time. Can't use the code by text option because I never receive a code, not that a text vs.email code makes that much difference. But the app has a 'Remember Me' click box...and it's worthless. Normally that function would mean you want the technology to remember you and your phone so you don't have to continue to get authentication codes. Doesn't happen. There are so many issues I've experienced I can't write them all here. One good thing though is that most of the representatives are nice and pleasant, although they do give incorrect information and timelines and excuses. And they cannot contact anyone about your claim, they are very limited as what they can tell you and help you with Only had one or two who were not as friendly.
3

out of 5

POSTED: | BY: TS

Takes too long than other insurance…

Takes too long than other insurance companies to receive reimbursement. Also, company never seems content with the invoice for reimbursement

Monthly Cost

The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.

Coverage

Reimbursement for up to 90% of vet costs.

Payout Limits

Deductible

Customizable deductibles from $50-$500

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Accident – policy effective date (1 day waiting period); Illness – 14 days

Exclusions

Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

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