MetLife | Pet Insurance Review

We love everything about Metlife!!

Overall, I am extremely unhappy with MetLife Pet Insurance policies and service. 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. The insurance model feels like this company exists only for profit without any regard for the wellbeing of people's pets. I am specifically frustrated that my dog's eye condition (pannus) is not covered. Months prior to her diagnosis, I scheduled her for a vet appointment to treat a bite mark and eye redness in one eye. At this appointment, I arbitrarily said the issue started "a couple weeks ago" after playing with another dog - I had waited until the policy started to schedule this appointment because this was our first time at a vet being insured. During this appointment, they could not determine why my dog's eye was irritated, other than speculating that it was a play injury. She was also treated for a bite at this appointment. Within a week of this appointment, the eye redness went away without treatment. While at first covered, MetLife later retracted coverage after my dog saw a specialist for eye redness in both eyes (months later), citing the initial appointment as proof that the issue began before policy coverage. I appealed the decision, got a doctor from the clinic of the first appointment to sign off that there was no evidence that the issue treated during that first appointment was chronic or pre-existing, nor necessarily related to the chronic condition my dog later developed well into the policy. My appeal was rejected, though I never received a letter in the mail and now it is far too late to re-appeal. Now, nothing related to her eye condition is covered, while I still pay over $100/month for her pet insurance. Because of this, I cannot afford to treat her eye condition and she may suffer permanent eye damage. I feel like we were completely taken advantage of, and roped into a pet insurance plan that is not best for us. More recently, I called customer service with an estimate to have a small lump on my dog's side biopsied. Based on MetLife policy, the customer service representative cannot even say definitively whether or not this biopsy will be covered, despite it being years into my policy. While I don't blame the representative, it is extremely frustrating that it is the plain policy of MetLife Pet Insurance to never give pre-approvals for coverage. In this same call, I requested some information on yearly rates and how they expect them to change from year to year - the representative could provide no information on this either. In addition to these problems, in my experience MetLife takes far longer than their 5-10 guarantee to process claims, doesn't update their system properly (my claims from the eye issues still say "processing"), and the system is glitchy and slow. I strongly advise against choosing MetLife to insure your pets - they are sharks that have backwards priorities, despite what their representatives tell you.

It is always easy to file a claim. As long as all the requested info is sent…claims are processed quickly

I've been overall very pleased with Metlife pet insurance. I have peace of mind knowing my babies will get the care they need without breaking the bank. The reimbursement process is easy. I get reimbursed before my credit card bill is even due. The only thing I was bummed about was that Metlife declined my great danes' preventative gastropexy surgery. My vet recommended the surgery and I'm glad we got it even though we had to pay out of pocket. I'd still recommend Metlife to everyone. You can customize the plan to meet your pets needs!!

A fast, easy