1
out of 5
VETERINARIAN: Lee's Summit Animal Hospital North
POSTED: | BY: Triston Jones
MetLife Pet Insurance The Scamming Company
If you're considering MetLife Pet Insurance, save yourself the time, stress, and money—do not sign up.
I got this insurance thinking it would help protect my dog, Atom, in the event of an emergency. That turned out to be a complete joke. Atom had to undergo emergency surgery for an intestinal blockage after swallowing a rope—an obvious accident. But MetLife denied the claim, saying it was a “sickness.” Let me repeat that: they claimed swallowing a rope is a sickness. How does that even make sense?
And before even reviewing the claim, they tried to say my policy wasn’t active—a blatant lie. I had already paid and had full documentation proving my coverage was in place at the time of the surgery. I sent them five years of vet records, detailed surgical notes, invoices—everything they asked for. Still, they denied the claim.
To make things worse, they advertise that claims are processed in 10 business days. Mine dragged on for almost two months. Two months of silence, delays, and back-and-forth nonsense, only to get a denial based on a totally made-up excuse.
This company is the definition of predatory. They’ll take your monthly premiums and then twist reality to avoid paying out when it actually matters. The customer service is slow, unhelpful, and either uninformed or intentionally misleading. Based on my experience, it seems MetLife is in the business of collecting premiums and dodging responsibility.
MetLife Pet Insurance is not just unreliable—it’s dishonest. If you care about your pets and your peace of mind, look elsewhere. This company failed me and failed my dog when we needed them most.
Zero stars if I could.