MetLife | Pet Insurance Review

It has been the worst pet insurance company. We also purchased wellness coverage for both dogs. They claim to cover so much until you file a claim. This crap company denial rate is through the roof. They have no staff to help, your claim sits for 4 to 5 weeks before they deny your claim. Customer service is for sh_ _. After another denied claim even my vet wrote in letters correcting them and hey denied it again. It cost us $129.00 a month, we spent $3,800.00 at the vet's office and received $33.60 back with a $500 deductible. Everything comes back as PREEXISTING CONDITION. My dog has an ear infection 2 YEARS before this insurance and they label it as preexisting. MetLife salespeople told us items such as vitamins were covered. Their claims department denied vitamins again with the term PREEXISTING, preexisting because she was on them before the insurance start date. RUN away from this company and just think what they do with their other lines of insurance. The experience and service beyond terrible. I recommend that you never use MetLIfe Pet insurance.

I have submitted claims for my cat's meds in the past and was reimbursed. Now they are saying it is predisposed and they will not pay me. Also they are becoming a lot more strict and time consuming on claims.

We have been taking our goldendoodle to first the Sploot Logan Square location and recently to their Clybourn location ever since we adopted him about a year ago. I looked around for pet insurance and my job offered it through MetLife and decided to take a chance. I have not had any issues with submitting claims and so far, it has been easy, and the process is really quick. I would highly recommend and will be using them again.

I recently encountered an issue with Metlife regarding their refund policy. A representative assured me over the phone that I would receive a "full refund." However, the policy lacks clarity on whether the enrollment fee is refundable, leading to confusion. This ambiguity raises concerns about potential loopholes in other areas of their policies. Under the Arizona Consumer Fraud Act, it's unlawful to engage in deceptive practices or make false promises in connection with the sale of merchandise ARIZONA LEGISLATURE . Misrepresenting refund policies may fall under such deceptive practices. I have escalated this matter and hope for a fair resolution. I urge Metlife to enhance transparency in their policies to prevent similar issues for other customers.

So far, this has been really beneficial for my dog! The app is easy to use & its easy to submit a claim. The only downsides are, 1. They didn't tell me that I had to submit a years worth of vet info into the portal or online when we initially get the policy. I had submitted for a claim when we purchased Simparica Trio & it was stating it needed more information, but wasn't listing what was needed. I highly suggest for them to make an update on that process. 2. It takes a long time for them to process claims. I submitted my most recent claim on 11/2/24 and we just received the approval yesterday 12-3-24 & it will take an addtl 2-3 business days for the payment to post to our bank account. But I have not been denied for any claims. We purchased this over the phone & customer service was amazing. I've even had to call in a couple times and the customer srevice both other times were amazing as well, US based customer service too! My husband is a first responder and they give discounts which is also a plus. Overall, I would purchase this again for my dog, but they definitely have a little tweaking to do.