MetLife | Pet Insurance Review

Company covers alot. Supplements and holistic treatments. At first the claim process was horrible. Had to submit claims several times, faces wouldn't go through, app didn't work properly & emails they'd only receive half the time. I was very frustrated with the process and always told a different method to submit when I called. Luckily that issue has resolved. It also used to take a very long time to get reimbursed ( 25 to 30 days ). This has also improved. Now about 15 to 20 days. All service agents have always been nice and respectful. I'd say they are evenly priced with other leading pet insurance companies. Been with them 1 year now.

Refund for incurrent expenses received in good time and no problems

I’m beyond frustrated and disappointed with MetLife Pet Insurance. They denied my claim for treatment on my dog’s LEG INJURY, claiming it was "pre-existing" — even though it was a completely different leg than the one treated months before! This is absurd and feels like a blatant excuse to avoid paying what they owe. According to their logic, any future injury on any leg could be connected and therefore "pre-existing"? That’s not insurance — that’s a scam. I paid my premiums expecting support when it mattered. Instead, I got a cold denial based on a far-fetched stretch that makes no medical or ethical sense.

Not sure if my policy is worth the monthly fee. I submit a claim and it is denied? It is hard to contact CS and the rates have increased twice since we enrolled.

Having spent thousands on care for our dogs, it's helpful knowing we can get quick response and reimbursement to prevent emptied bank accounts and high credit card balances!