MetLife | Pet Insurance Review

You guys are terrific. You are/were there during some of the most horrible moments of my life. You were there to answer questions, to help me through the system, and with helping me financially with the bills. I can't thank you enough. I am so lucky that I picked your company. Thank you (and Snoopy, too).

The claims service has been prompt. Payments processed quickly. Issues have been resolved in a timely manner. I have had no issues with payment.

I have no regrets about being a member of MetLife Pet Insurance. Filing a claim is incredibly easy. The customer service people are always there. The cost of the policy is fair compared to other policies and the reimbursement rate is very good. Our pup is part of the family so his health care mattered to us.

I have submitted claims for my Golden Retriever Dixie multiple times for ear infections, and a broken tooth which she needed surgery. Submitted claim the bill and the Dr's notes, and was paid every time in about two to three weeks. Never had one problem Met life. They paid 100% with a $250 deductable for the year. If you follow instructions on your claim you will be paid. It's best to take out the unlimited policy with them.

MetLife pet insurance is a scam. I first had them in march of 2024 and filed my first claim taking my dog to check for ear infection but got denied because in Feb 2023 when spayed vet checked ears and needed cleaning wasn’t treated for infection in Feb but because had vet checked ears that was considered pre existing issue. I canceled policy however in August I signed back up . In April 2025 I took dog in the have ears checked and no infection just gave wash for ears but guess what it got denied saying pre existing condition dates back to 2024. I will never do business with MetLife and I suggest to anyone find another provider who cares and doesn’t deny for something that wasn’t diagnosed and then to deny a year later saying pre existing. Dogs get things like humans do we get ear infections etc but we don’t get denied by our insurance for something that wasn’t diagnosed a year ago as pre existing. Beware as I spoke to both representative and manager who told me I had to go through this appeal process and have my vet also write something. They are not helpful and manager I spoke to Dianna shouldn’t be a manager. I’m going with another provider who will care about my dog and the fact that I pay my bill monthly. Companies like met life shouldn’t be in pet insurance