MetLife | Pet Insurance Review

Excellant.

The customer experience is great! I love all the add-ons I can include for my pups. Claims and refunds are very easy to do in the app. After trying multiple pet insurances, MetLife has been the best!

Easy to upload claims ; overall solid payment have been repaid , staff is very professional .

I would never recommend this company. My cat happened to vomit once during the waiting period and once right after the waiting period was over. After the second episode, I was concerned that the vomiting may have been caused from eating a roach and took him to the vet. Even though there was no mention of vomiting in the medical history notes I got from my cat’s previous owner, they classified vomiting as “gastroenteritis” and denied any other later claims involving vomiting as a pre-existing condition. The only explanation I could find is that I mentioned to the vet that first time that the previous owner said he would vomit if he ate too much at one time. Feeding only half of a 3 ounce can solved that problem. When my cat had a problem of repeated vomiting with loss of appetite, which was distinctly different from his occasional vomiting followed by desire to eat, I took him to the the vet ER. X-ray showed a grainy substance in his intestines, which appeared to be passing through and lab work showed mildly elevated white blood cell count. MetLife denied this charge, which was over $1,000, due to a pre-existing condition (“gastroenteritis”). How can an acute condition which could be seen on x-ray and caused elevation of WBC count be associated with one episode of vomiting months before? I appealed the denial and lost. My contention was that vomiting, even if it is called “gastroenteritis” is a symptom and can be caused by many different conditions (eating too fast, eating too much, lymphoma, hyperthyroidism, IBD, etc.). I have seen that other pet owners have had claims denied because of symptoms rather than diagnoses. I am left to wonder if the reviewers don’t take the time to read the claims fully or don’t have the necessary medical knowledge. This company was a total waste of money and I cancelled my policy.

The simplicity of the enrollment