MetLife | Pet Insurance Review

always great coverage and someone on the phone when you need assistance

Would prefer to give them a negative star at this point. As someone who had Nationwide previously and was "Fortunate" (SARCASM x 100). enough to switch over to Metlife under the circumstances I wish I would have done some more research. The only reason I have stayed on this insurance plan is because if I switch to another provider anything that is currently covered under MetLife policy will be considered pre-existing under a new plan. I have only had them for 5 months now and it has been far from a good experience. They take forever to reimburse claims even if its something they have already covered previously. When you submit a claim it states that it will be processed in 5-10 days which is false. It takes anywhere from 15-30 days for a claim to be reimbursed. Their customer service is very unhelpful and very dismissive. I submitted a claim on 7/10 and got reimbursed incorrectly on 7/11 "due to a system failure." I called on 7/14 when I looked at the App and noticed the discrepancies on the reimbursement. I was told I shouldn't have even been reimbursed yet and that nobody else that submitted claims that day have been reviewed yet. She told me it would be reviewed by claims and get fixed within 3-5 days. I called back again after a few days and got some other lady who told me the same BS they tell everyone else "Claims take 5-10 business days but could take up to 30 days per our policy" couldn't give me an update just that it was sent back to claims for review. After 17 days go by I call back again and get the same BS answer above and no resolution. Mind you they have already reimbursed me previously for the same medication so why it takes this long to get reimbursed again is ridiculous. As of 8/5 I still have received no update or reimbursement on the claim. 8/8 ended up calling again as I still have received no resolution for Metlifes screw up on my claim. Talked to another gal in customer service who informed me that last 3 other times I called nothing had been pushed forward so she pushed it through. Told me its going to take 3-5 days to review again. We are on 20 days now of a unresolved claim issue due to their system. And now I have to wait again another "3-5 days." I ended up calling back and talking to a manager who pushed it through to claims and expediated the process which still took another 4 additional days, almost 25 days and I finally got my $40 dollar resolution due to their screw up.... Also, just a forewarning to anyone needing a thousands of dollars procedure done per the vet... they do not provide pre-authorizations or approvals. They expect you to go forward with the procedure, submit the claim and risk essentially not being reimbursed for that said procedure. It looks like from other reviews that I am reading it is pretty common for them to essentially make it impossible to get reimbursed for procedures that are thousands of dollars, they make an excuse not to reimburse, or take the full 30 days if not longer to reimburse their customers. ANOTHER UPDATE: 8/14 called again which feels like the millionth time. 23 days later and still not reimbursed for a claim submitted in July. For how much I pay a month its ridiculous its taking this long to get reimbursed... so forewarning its taking 10+ days to get reimbursed for a simple claim anything complex expect the full almost 30. Unbelievable. Make sure you have money set aside as backup. further review there was dis

MetLife pet insurance has been very helpful for all my pets medical needs. This year I have needed to use it more than in the past due to eye issues my puppy has been experiencing. Met life has been very helpful with quick reimbursements according to my insurance plan.

As a new customer with three dogs, I was hopeful that MetLife Pet Insurance would provide the peace of mind I was looking for, but it has proven to be a frustrating and disappointing experience. The claims process is incredibly slow, far from the efficient timeline they advertise. What they classify as an accident they claim was a Sickness for a freak accudent one of our dogs suffered. It's a significant financial strain to wait so long for money you've already spent, especially with multiple pets and the associated high vet bills. ​What's even more frustrating than the long wait times is the customer service. Each time I've called to check on a claim's status, I've been met with unhelpful information. There's no sense of genuine desire to help resolve the issue. Given the slow processing and lack of support, it's clear this company is not equipped to handle the needs of a multi-pet household. I'm actively looking for a new provider that can offer the reliable service and support that MetLife promised but failed to deliver. I highly HIGHLY recommend you look elsewhere when looking for pet insurance and don't believe some of the positive reviews about this company. Speaking honestly, we've had a negative experience with MetLife.

The process to complete the claim was very easy to complete. I am usually not very technologically advanced but I was able to complete this with ease. The refund was issued very quickly.