MetLife | Pet Insurance Review

My dog had. Diarrhea when I first got him because I was changing his food and they now called the chronic so anytime he has diarrhea. They have a get out of jail card for free and don’t have to pay the claim They’re calling a pre-existing. Really? You submit a claim now they want soap notes. I have had Pet insurance with everyone of my pets for the past 20 years I have never had to go hunting for notes from the vet. They say they’re going to pay within five or 10 business days but it’s more like two or three months if they pay you. They want to try anything they can not to pay claim even though it’s clearly noted that the claimant should be paid. It’s something that’s covered.

I have 3 pets insured with this company one Cat and two dogs. It was good for a while until I purchased a policy for my 2 dogs. Every claim I submit after that time goes to the wrong policy/pet and I mean EVERY SINGLE TIME. I called, texted, talked to Customer Service emailed and oh yeah CHAT which is completely useless, submitted and submitted and submitted over and over and over again. I finally got payment at the end of November from a submission I sent in August, and that was after I submitted this claim once a day for an entire week. I still have outstanding claims waiting to be processed and they are still under the WRONG PET!!!! Good thing I saved all my submissions emails and phone calls of everyone I spoke to. Who denies a claim for an anxiety medication after it has been paid for from day one. This company needs a serious overhaul.

All around terrible experience. Trying to chat via the web or app is useless. Trying to call is the typical insurance game, keep you on hold as long as possible hoping you hang up. Submitted claims, received email confirmation of submission stating "We will be reviewing it soon and will be in touch within the next 3-5 business days." and of course that did not happen. 3 weeks later I've already spent an hour in phone calls trying to make any progress. They gave excuses that didn't even apply to one of the pets claims. Stating they need SOAP notes for any non routine treatments. One pet's claims is only routine. He had zero medical issues. On hold for a manager now. They're making me wait more, it's currently been 20 mins. It's intentional and I'm aware. Let's see how this plays out. Either way everyone should know what the experience is like dealing with these people. I'm sure they train the employees not to call back and let things remain pending while in any loophole available, until finally the frustrated customer has to call. UPDATE I hung up on the call waiting speak with the manager after 35mins. I called back and I'm so glad I did. I spoke with someone who actually cared about how she did her job and the customer. She explained what the previous person did not. That missing piece is what made everything make sense. I have done what was suggested. I'll update this review as things progress. Currently changed from 1 star to 2. Update 2 Nicole rocks! Whoever is reading these reviews from MetLife Pet should know. Spoke with her 24hrs ago and already had one claim paid. She actually explained what the issue was and gave relevant information during our discussion. As opposed to the first person I spoke with who just kept repeating the same thing over and over again and not being very helpful at all. Upgrading the stars to 3. There's still pending claims being worked through. I'll come back with a final update. Final Update I changed to 4 stars. In the end our lil furry guys were appropriately covered. Nicole really saved the day. It took one call with her to change the whole process and get reimbursed in a timely fashion. She took an extra minute to explain how things work. Had Nicole been my first call, more than likely I woulda never ended up here. Any one have problems ask for Nicole! haha

I bought this insurance because they claim to cover hereditary/congenital. Well that is a load of garbage. My dog had a very rare skeletal muscle hamartoma - it was congenital (as he was born with it) as well as Von Willebrand. Now at the time I got the insurance I was only aware of the Von Willebrand's but they told me it would be covered. Well we submit for his surgery to have his throat mass removed after waiting on a final histopathology only to be denied. They deemed it PREEXISTING. of course it was preexisting it was congenital. He was born with it.

I am so glad the Nevada Humane Society told us about MetLife Pet Insurance when we adopted our cat. This is excellent. Within the very first month I had to get my cat surgery for his teeth, and they reimbursed quite a lot. I was hardly expecting anything. This was my first month after all. But the claims filing was quick, and they reimbursed me very quickly. The options for receiving the reimbursement were quick and through. I filed my claim on Nov 27. I was notified about the reimbursement by Dec 9. I am so glad I got this insurance. My benefits were clearly explained, and I am very satisfied. Thanks to this, I will be able to take good care of my cat.