MetLife | Pet Insurance Review

No Stats!! I had a r of my animals covered for 6months 2 pups 4& 7 months pure bread Akitas 1 Senior cat 1 Senior dog when my Senior dog had surgery totalling 645.00$ they wouldn't pay it said my vet doctor put on paper it was reencurrant health situation and this company medlife lied to get outta paying my vet bill I paid more $$ to them then getting my baby surgery THIS IS A LYING WICKED ASS COMPANY THDY WILL TAKE YOUR$$$ AMD NEVER DELIVER RESPONSIBILITY TO PAY ANYTHING!! RUN FROM THEM I HOPE THEY GO OUT BUSINESS SOON LIARS IS WHt they ARE EVEN THE AGENTS LIE AND ACT SWEET TO MAKE U THINK ITS A GOOD COMPANY TRUST ME THEY ARE NOT!!!!! MOVE ON

I have submitted 3 claims in 2 mos- All have had all or some of the invoice denied. I have a wellness plan Claim one: Purchased 12 mos of a preventative medication at a vet visit in Jan (only sold in annual packs). Policy was effective on Feb 1, but rep that sold me the policy said I should still get wellness and they would pro-rate the submission. Upon submission I was told that was poor information and they denied the entire package despite being insured for 11 of the 12 mos of use. Claim two: dog goes in for an ear infection. Claim denied because she had an infection 6 mos prior. They said it was "ongoing treatment" despite the 2nd culture from the initial visit being negative showing the ear had been fully treated. Claim three: Annual visit (I have the wellness plan) They did not pay the entire visit. Stating State required license fee is not covered. It's literally part of the rabies shot. I checked w/ my rescue group and other members who have wellness plan thru other carriers have not been denied for this. 3 visits and still don't even have enough approved items to cover my deductible! Website also says payment to be made w/in 5-10 business days. However; I have had to call on days 11-15 to get an answer on all three claims.

We (3 dogs at the time) initially had Pet First insurance for over 13 years and they were fantastic- great service efficient and caring. Would give them a 10 rating! Then MetLife bought them and the first year was difficult as some claim steps were different and the prices really increased! After 3-4 years it’s getting better and always room for improvement- hard to upload all tests lab reports and SOAPS so I fax and had trouble after Covid getting the proper fax number so claims were not processed- finally got handled and now it’s much improved and direct deposit of reimbursement is a great feature.

MetLife is no different from any other insurance scam. I was referred to a specialist’s to finally figure out why my cat keeps vomiting and and $3300 later we received our diagnosis along with a denied claim because it’s a “pre existing condition”. They covered the POC visit for this issue but as soon as a specialist is needed it’s pre-existing? I am cancelling my policy and not getting pet insurance again, total scam.

We have a standard poodle, Barney who is 8 now, but he was quite sick twice. We did not have insurance on him and we called him the $6000 dog. A few months ago we decided to get another, Betty, and I debated on getting insurance,,I decided to get a cheaper plan and called Met life. The man I spoke with told me the better , more expensive plan is good for a puppy and I could always lower it as she got older so I followed his advice. I’m so glad I did. Betty also has been quite sick twice this year and has had 13 claims. All have been handled quickly and every person I have spoke with is so kind. I’m so GLAD I have this policy and I will never drop or downsize it !