MetLife | Pet Insurance Review

My dogs have food allergies. Rather than medicating them, I chose to simply change food to a prescription derm food( which is supposed to be covered). They refuse to reimburse the expense saying it is OTC. It cannot be purchased without a prescription so it is not OTC! Metlife is not what they advertise. They are rude to customers. They refuse to allow speaking directly to a claims agent to understand their decision. It is definitely an insurance game. I cannot even pay for both dogs together- required separate receipts or won’t reimburse the expense- I guess no common sense or calculator to add the two together to get the lump sum. They are not customer or pet oriented. EXTREMELY disappointed in multiple difficulties with this company.

I feel I pretty much gave them Free money to sign up my 3 cats for insurance. I'm out over a $100. I have been lied to several times, I have been told multiple different stories about claims and getting my money back. This company needs to be real with people and tell them what's going on. I'm putting out more money a month. Totaling in a year it's ridiculous I want my money back that I signed up for. And I'm contacting an attorney. On top of that the lies just go on the Insurance policy is through metropolitan general insurance company not MetLife when you read the policy Handbook there's a whole bunch of stuff that's BS

Excellent company to do business with. Easy to submit claims and they are quick to process. Recommend them highly.

I have tried other health insurance fr our cats (we have 3). When my employer added MetLife Pets to our supplementary plans, I signed up mostly because payroll deductions would be more convenient than paying the plan I had at that time. I was very much pleasantly surprised - First, when I called to get a quote, they asked me how I wanted my policy to be. So they tailored on for me and my 3 cats - covers anything I take them to the vet for, including emergencies and dental and $0.00 deductible. Premiums wereat least 20% less than the current plans I have had which covered only wellness. No more nickel and diming wiht the vet! Even better, MetLife Pets website and app is so easy to use that filing claims is as easy as logging in an uploading copies of the invoice and vet notes (called SOAP). 10 days after documents were uploaded, my reimbursements just show up in my bank account! One more thing - When my son's wife took one of our cats to the vet and did not get the SOAP notes, MetLife Claims Processor contacts the vet and got the documents for us. Now that is Customer Service! Even better - we got reimbursement a day after the vet sent them the documents. That's efficiency!

I have had to spend hours and hours of time fighting to get legitimate claims paid. This company uses deliberate “system errors” to delay and avoid claim adjudication. Just one recent example of MANY: I submitted all required documents including a paid invoice and SOAP notes. After 10 days, the claim simply disappeared with zero communication. Natasha told me it was disappeared due to the invoice format, and all I needed to do was submit another proof of payment, and would not need to resubmit SOAP notes. Did that, weeks later they claim I never submitted SOAP notes. Every time, they say it will take a couple more business days to process. It’s been MONTHS. I had one claim denied for valid reasons and never fought it, that’s fine. The issue is they pull this “friendly incomptetence” scam when they want to avoid legitimate claims and defraud their paying customers. I would have believed one time was an honest mistake, but this is the experience I have had with them consistently and repeatedly over the past several months.