MetLife | Pet Insurance Review

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Do not trust MetLife Pet Insurance when it actually matters. I have been a MetLife pet insurance customer with three dogs on the same policy. Every time one of my dogs got sick and I submitted a claim, the VET visit was categorized as "Office Visit/Consultation" — and every single one of those claims was approved without issue. Same language, same format, every time. Then came my dog Dobby's last visit on April 16, 2026. He was sick. The vet gave him Cerenia injections for vomiting, prescribed Metronidazole for what was clearly a gastrointestinal illness, and ran diagnostic bloodwork to find out what was wrong. MetLife denied the entire $482 claim and called it "Preventive Care." Preventive. For a dog who was actively sick and being treated with an antibiotic and anti-nausea injections. What made this so much worse is that Dobby passed away. I was grieving my dog while simultaneously having to build a formal appeal letter citing their own policy language back at them just to fight for a $154.99 reimbursement. The same type of visit they had approved for my other dogs multiple times suddenly became grounds for a full denial — no explanation, no call, just a form letter. The inconsistency is infuriating. The timing made it cruel. If you're considering MetLife Pet Insurance, understand that their claims process is inconsistent, and when you're at your most vulnerable — when your pet is sick or dying — that's exactly when they will give you the hardest time. I filed a formal appeal. I shouldn't have had to.