MetLife | Pet Insurance Review

We’ve had MetLife Pet Insurance for our three pets for several years. Our dogs’ claims have been fairly standard, and the new website is an improvement that makes tracking submissions a little easier. Unfortunately, our experience with our cat has been extremely frustrating. Despite multiple veterinary evaluations confirming his issues are not chronic, MetLife continues to classify them as chronic and pre-existing to avoid coverage. We have not received reimbursement for any of his conditions and are now working with the California Department of Insurance to resolve the matter. MetLife has even gone as far as denying coverage for a medication that is not directly associated with the condition they labeled as chronic. MetLife can and should do better in providing fair and transparent coverage for pet parents who have medical documentation to support their claims.

Always do a great job

They paid our dog's claim pretty quickly after we filed the claim.

Metlife was very efficient. Reviewed our claims quickly and we were very satisfied with the results.

Your Pet Insurance is terrible. Every year you bump up my premiums by like at least $70, and your customer service is bad. Sometimes it takes weeks to process a claim, which is the same claim I submit every 50 days for my dogs heart medication. It takes weeks for your team to send the reimbursement check. Earlier this year, I had a claim that got processed and Explanation of Benefits wasn't generated, and I never got a reimbursement check, and I had to call back every 3 weeks asking why my check hadn't been received. Fortunately after the 3rd customer service person, they were able to identify it was because my Explanation of Benefits was never generated by your system, so the previous people I talked to didn't catch that and kept telling me my check was in the mail. I also one time had a claim that was resolved pretty quickly actually, however after it was resolved it said I'd receive $0 even though my deductible had been met and I should have received $167, so again I had to call your customer service to fix it. For the price I pay, and the fact you continue to raise my premiums year after year by a ridiculous amount of money, it takes forever for your team to process a claim and get me my reimbursement checks.