MetLife | Pet Insurance Review

I have been given the run around from the insurance company regarding a claim for my dog. I am being told that documents I uploaded are missing. I have been on the phone with three different people who all assured me they had everything they needed and I get told documents are missing and it’s a different document every time. I had a chat agent end the conversation in the middle of trying to resolve this issue. I have emailed documents over multiple times and even pulled up the claim in the app and was looking at the apparent missing document attached to the claim. I am so tired of being given the run around. They think I’ll forget about this but I’m not going to. I expect my claim to be processed and to be reimbursed for the amount promised on the policy.

This is replacing a previous 2 star review as I finally received information that is clearer than the website and had a claim processed. As long as they do not raise my rates next year as penalty for my puppy's illness, I will likely continue on with them. Cons: -The chat feature on website is for show only and should be removed. It is false advertising for a service they don't offer. -The website states that claims process in 5-10 days. This is not true. Some claims can take up to 30 days, which someone on the phone verified and which is buried in fine print somewhere. The website should be updated reality to allow for realistic expectations and save time calling customer service when claims don't process within 10 days. -When I used the contact form on the website, I never received a reply. Again, features that are not in use should be removed. -I have wellness coverage but this is not marked anywhere in my account materials or policy documents. I had to call to make sure I actually have it. -There is no way to opt out of receiving paper EOB statements, which is environmentally wasteful since that information is emailed and available in the online portal. -They contacted my vet and asked for my puppy's medical records, which was odd because I've already uploaded all of her medical history since she was in rescue before I got her. They did not send me a notice that I was missing documents. It gave me the impression they were trying to find a way to invalidate my claims. Pros: -All of my claims have been processed without a dispute, even if it took a month for larger claims. -The call center workers are always kind and helpful. -It is relatively easy to submit documents online. -Getting reimbursements over PayPal is fast and simple.

Get a different pet insurance company. MetLife does NOT approve your claim even after soap notes from the Vet, proof, receipts, etc. MetLife collects your monthly payment without providing any services. Seriously the worst pet insurance company. You lose money here rather than getting help for your pet. Don’t waste your time here.

Increased my pet insurance on healthy 4 year old dog 40%!!! Absurd!!! Inflation is NOT 40%

MetPet insurance is very good but pricey only because I have full reimbursement. My only complaint is that is went from about $67 to $92. Maybe the more costly the plan, the better the service who knows but I have never had an issue when submitting my claims or getting reimbursed. I submit and get my reimbursement in about 5 days. They never asked me for paperwork from the previous vet. I have had this MetPet for almost 2 years. My dog goes about two to three times a year depending and I have never had an issue. I get reimbursed for his flea and tick medicine and also the medication for heart worms. MetPet offers a lot of additional benefits. Good but pricey….think I will keep it for a while longer. I am a satisfied customer. Thanks MetPet.