MetLife | Pet Insurance Review

This is the worse insurance company I've ever had. They have terrible customer service, they take months to give you your money back from a claim and won't cancel you when you ask them to. I was fed up with their terrible customer service, and waiting months to get my claim money back, so I asked them on the phone in January to cancel my policy. They said they would and they sent me an email to submit a cancellation request. I filled it out and sent it back. In February I was charged $80 for my policy that should have already been cancelled. I call in to ask about it and the lady says, " Oh yeah that's so weird. It looks like that policy was cancelled but a new one was opened and that's why you were charged this month." I told her I cancelled my policy completely with y'all and nothing should be active. I never opened a new one. She said " I will make sure everything is cancelled and we will refund you that money." So they sent me another cancellation request email to fill out and I did. I've been waiting 5 days now to get money that was taken from me without approval. Which made me negative in my bank account because I didn't have $80 to spend in the first place. These people will be rude to you on the phone, not cancel your policy when you ask them to, not give you your money back for a claim until months later, and steal money from you without consent. Terrible company, terrible insurance, terrible customer service. 0 out of 10. Would not recommend to anyone. This company only cares about money, not you.

I have 4 pets, three of which are insured by MetLife and one is insured by Nationwide. I have had my nationwide policy for over 6 years and originally had 2 cats on the policy. I was grandfathered in and wasn’t offered the same deal for my other pets when I got them. MetLife provided a policy similar to that of nationwide, so I took it. Thankfully my pets have been relatively healthy. The times I’ve filed a claim with MetLife, I have never had any problems. I have been reimbursed the appropriate amount within about a week. I find the best way to contact them is to call them . I hope that if one of my pets is in need of costly healthcare treatment, MetLife will continue to cover the costs agreed upon in the insurance policy for which I have been paying for. Nationwide was a godsend for me, when my cat was diagnosed with lung cancer and needed chemotherapy . When I had to put him to rest, Nationwide paid for his euthanasia and cremation, they also refunded me for the remaining days of the month. I was sent a condolence letter and given information on pet grieving services as well. MetLife has big shoes to fill if I ever face a situation like that again. For now, I am very happy with MetLife.

CLAIMS REJECTIONS: I submitted a small claim for diagnostic bloodwork, that is explicitly covered in my policy ("diagnostics performed by a Veterinary provider... such as blood tests"). NON-EXISTENT CUSTOMER SERVICE: I tried the in-app and website chat functions, which were malfunctioning (both times I tried them 2 weeks apart) I tried to call the customer service line... and never was able to get through to a representative after spending 30+ minutes on hold. I finally gave up on the phone call and wrote an email to pet_info@metlife.com... 12 days ago and still have not received a response. Lots of functionality in the app for things that benefit Metlife (updating payment methods, uploading documents, etc), but nothing that supports the customer experience. I am truly amazed at how poor the customer experience is, how challenging it is to get even a small claim approved, and I will definitely be canceling my pet's policy with MetLife as soon as possible.

There are very few exotic pet insurances out there, and I was told metlife was the exception. I was told wrong. I have had multiple complications and misinformation about my policy and what it covers from the moment I got my quote. I was told my policy would cover spay/neuter over the phone, but now I am told it isn't covered, and I am out 4,000 dollars with no assistance. (I have a rex rabbit btw)

Appreciate the quick turnaround for claim review for the hyperthyroid treatment my cat needed