MetLife | Pet Insurance Review

MetLife denied my claim for vet recommended testing costing $2488 for my new rescue dog. MetLife sent me a short note saying my dog's issue was pre-existing based on notes prior to my taking in the rescue. I had received no information on the dog, purchased MetLife before my first vet visit but they found information from the previous owner's vet (that I did not have when I purchased the insurance) and refused my claim.

I rescued another dog in 2024. Received no information so purchased MetLife Pet Insurance before any vet visits. Visits went to my deductible. My vet received vet notes from prior owner and I submitted everything. My vet recommended tests for an issue that cost $2488. MetLife let me pay down on my deductible but when this would go into reimbursement, MetLife denied the claim saying "pre-existing". They can, and will, claim anything expensive as pre-existing in order to not pay out.

Metlife seemed promising at first, but our girl had an ER trip in December. Once a claim is submitted, Metlife estimates up to 5-10 days to process. When more than 10 days had passed, I called to check in on the status. I was then told processing times were running more like 15-20 days. When I mentioned that they estimate 5-10 days, customer service said that this had been brought to her attention, but the wait would still be more like 15-20. I asked if this lengthy processing time is what should be expected moving forward, but the woman seemed a little annoyed by my inquiry~ really though, I DO want to know because if this is what it's going to look like moving forward, then I want to switch companies!!!

Can’t say enough good things about the exceptional customer service, the ease of filing claims, the quick response time, and the coverage. Thank you very much!

This has been the best purchase as a pet owner I could have made. The first year it covered itself. My dog is 2 and recently had a bad experience. The bill was an unexpected $1700. Right after Christmas AND a needing a new oven. 😂. MetLife pays fast! Typically within 7 days. Their Customer Service is amazing and our fur babies have great care. I will always choose my pet over, well pretty much everything, but makes the stress less, especially when worrying about their care, that I can still play the mortgage after an unexpected vet bill!