1
out of 5
POSTED: | BY: Kelsey J. Linner
RUN AWAY
MetLife Pet Insurance has been the most frustrating and unprofessional insurance experience I’ve ever had.
I’ve been a paying customer for years. My premium increased from $145/month to $170/month this year and I’m now paying over $2,000 a year for coverage that they refuse to honor.
I submitted a claim for my dog Kalista’s newly diagnosed allergies. MetLife denied it as a “pre-existing condition,” even though:
She had no prior allergy symptoms (no itching, no ear infections, no skin issues).
No veterinarian ever suspected allergies until the dermatology appointment on 11/21/25.
The symptoms MetLife used to justify the denial were unrelated GI issues (intermittent diarrhea), which have nothing to do with skin/ear allergies.
When I sent a formal written appeal with complete SOAP notes and specialist documentation, MetLife didn’t even process it as an appeal — they simply misfiled it as a new claim and denied it again without reviewing anything. When I called to fix it, I was told the only way forward was to make my veterinarians fill out yet another MetLife form, despite the fact that the records already prove the denial was based on a misinterpretation of their own policy. This came from an individual who constantly interrupted me and spoke over me.
In short:
They denied a legitimate claim by stretching the definition of “pre-existing” beyond anything medically reasonable.
They ignored a written appeal entirely.
They pushed the burden back onto already overworked veterinarians.
They’re collecting $170/month while refusing to honor coverage.
If you’re considering MetLife Pet Insurance, be prepared for denials, misrouted appeals, and a company that seems far more invested in avoiding payouts than supporting pet owners. I would strongly warn anyone against trusting them with your pet’s care.
Read more on Trustpilot