MetLife | Pet Insurance Review

I was reluctant to get insurance for my newly adopted furry baby, as I had pet insurance on my previous dog, with another carrier, and they would never reimburse any expenses. A friend told me about MetLife and that she was pleased, so when I adopted my new furry baby, I thought I would give it a shot. I have had an excellent experience with MetLife's coverage so far and would highly recommend them. In fact, I told a good friend about MetLife's pet insurance, and she purchased it as well and is also very pleased. It is good honest coverage. They cover what the plain advertises it will cover, and customer service is friendly and knowledgeable.

No Stats!! I had a r of my animals covered for 6months 2 pups 4& 7 months pure bread Akitas 1 Senior cat 1 Senior dog when my Senior dog had surgery totalling 645.00$ they wouldn't pay it said my vet doctor put on paper it was reencurrant health situation and this company medlife lied to get outta paying my vet bill I paid more $$ to them then getting my baby surgery THIS IS A LYING WICKED ASS COMPANY THDY WILL TAKE YOUR$$$ AMD NEVER DELIVER RESPONSIBILITY TO PAY ANYTHING!! RUN FROM THEM I HOPE THEY GO OUT BUSINESS SOON LIARS IS WHt they ARE EVEN THE AGENTS LIE AND ACT SWEET TO MAKE U THINK ITS A GOOD COMPANY TRUST ME THEY ARE NOT!!!!! MOVE ON

I have submitted 3 claims in 2 mos- All have had all or some of the invoice denied. I have a wellness plan Claim one: Purchased 12 mos of a preventative medication at a vet visit in Jan (only sold in annual packs). Policy was effective on Feb 1, but rep that sold me the policy said I should still get wellness and they would pro-rate the submission. Upon submission I was told that was poor information and they denied the entire package despite being insured for 11 of the 12 mos of use. Claim two: dog goes in for an ear infection. Claim denied because she had an infection 6 mos prior. They said it was "ongoing treatment" despite the 2nd culture from the initial visit being negative showing the ear had been fully treated. Claim three: Annual visit (I have the wellness plan) They did not pay the entire visit. Stating State required license fee is not covered. It's literally part of the rabies shot. I checked w/ my rescue group and other members who have wellness plan thru other carriers have not been denied for this. 3 visits and still don't even have enough approved items to cover my deductible! Website also says payment to be made w/in 5-10 business days. However; I have had to call on days 11-15 to get an answer on all three claims.

We (3 dogs at the time) initially had Pet First insurance for over 13 years and they were fantastic- great service efficient and caring. Would give them a 10 rating! Then MetLife bought them and the first year was difficult as some claim steps were different and the prices really increased! After 3-4 years it’s getting better and always room for improvement- hard to upload all tests lab reports and SOAPS so I fax and had trouble after Covid getting the proper fax number so claims were not processed- finally got handled and now it’s much improved and direct deposit of reimbursement is a great feature.

MetLife is no different from any other insurance scam. I was referred to a specialist’s to finally figure out why my cat keeps vomiting and and $3300 later we received our diagnosis along with a denied claim because it’s a “pre existing condition”. They covered the POC visit for this issue but as soon as a specialist is needed it’s pre-existing? I am cancelling my policy and not getting pet insurance again, total scam.