MetLife | Pet Insurance Review

They wouldnt accept a claim on my last policy because it was past 90 days. I dont know what would change in 90 days other than to scam you out of your benefits. They want a year of vet records before your first claim I only discovered on trying to make the claim the first time. It took me a while to get it just to get denied because it was too late. I also wasnt notified that my renewal was going up almost double and didnt until 3 months in. I just wasted 700 dollars on this over the past year for nothing. This is not worth it for a 5000 max.

I will be waiting to see if MetLife grants the contribution, compensation according to the purchased policy. This is my first claim.

I love the policy that I have and it’s turned out to be a blessing with the puppy we adopted who is inclined to eat things she shouldn’t. I love that it covers 100% accident and prevention. Customer service has been friendly. What I would like to see is (1) if they say a drug will be approved with a vets prescription, please approve it. (2) Process the claims in a way that makes sense. There are times when not 100% is covered and it should be, or there is one huge lump sum that I can’t figure out belongs to what claim. (3) Make the benefit statements be available online or in the app. I’m reliant on the paper statement they send to align back to the claim. It’s challenging to figure out what was processed vs not. (4) Consistently use the date of service instead of randomly inserting other dates for the claims, so, again, I can follow what was processed. It is a great insurance, I just wish it took less time to figure out the status of the claim and tie back payment to the actual claim.

I've had health insurance for my pets before but the claims processing was so onerous and so limited in payout that I felt it was probably cheaper just to go without. However, the pet I adopted thru and agency came with MetLife for the first month and I decided to give it a try beyond that. It has been a blessing to have such great coverage thru MetLife and their claims processing is very efficient and easy to use online or with your phone. They may be a little slow on occasion, but certainly no worse than human health care claims! Keep up the great work MetLife.

This is the first time I have needed to do a claim through Metlife pet insurance and it was the easiest experience I've ever had with any insurance. The process was simple to do online, and the claim was processed super quickly and hassle-free. Thank you!