MetLife | Pet Insurance Review

I have nothing but great things to say about MetLife pet insurance. I have 6 dogs all insured with MetLife. It's easy to submit claims and they pay quickly even when the claim is large (TPLO surgery) and to date have approved all claims. I couldn't be happier with MetLife only wish I had signed up years ago.

I made a total of 3 claims since paying over $1000 for my annual policy when I got my puppy. Only one of the claims, which is was very simple, processed in the 10 day window they claim on their website. I had to call to ask them to process one of them after 14 days and will now have to do the same for my third claim. There is no other way to get a response outside of calling. The live chat on their website is never open, even within their stated operating hours. They do not respond to emails or inquiries submitted using the contact form. They do not appear to have enough staff to operate according to their stated procedures. To their credit anyone I have spoken with by calling has been very helpful. EDIT: The person I spoke with today verified that complicated claims often take up to 15 days and that the policy fine print states up to 30 although that is very rare. Now that I know this, I can adjust my expectations and stop wasting my time calling. The company should change the website to reflect actual practices. There is no point in stating a 10 day window online if it's not true. Likewise, there is no point in having a "live chat" or email option if they are not functional. Pretending to offer what you do not reflects a lack of transparency and fosters mistrust. EDIT, response to company: I've already given clear feedback here and in multiple emails to you that you ignored. There is no mystery. If you want more of my time, you'll need to pay me.

The wait time to start the plan was a little long and I had to follow up to make sure it was active and the first claim took a bit longer because I had to set up the process to receive the funds but after that all other claims were processed quickly and the payments were very quick. All communication has been great. I would have given a 5 if the customer onboarding was a bit better.

I bought insurance from MetLife for my 8 months old dog. My dog has a tendency to chew my furnitures which most puppies do. The first time he got sick I took him to the emergency Vet I was charge for more than $800.00. So I bought the MetLife insurance hoping that if he get sick again my insurance will foot some of my dog medical bills. When my dog got sick again, MetLife denied my claim stating that “My dog has a pre-existing condition”. So what good is the insurance for? I feel like I’m being scammed. My advice is to buy insurance for your pet, but stay away from MetLife. I’m expecting a response the same as everyone else fom them a cut and paste.

There was a near-death experience for my 4-year-old cat in January. I was fortunate to have planned ahead buying insurance for him. I regret buying it through MetLife. In order to verify coverage and the timing of claim settlement, I contacted MetLife and was told that that filing claims was simple, and that payments would be processed promptly. After nearly three months, I have finally got his $5,000 claim payment. The app gave the impression of being both user-friendly and informative at first; after all, it informed me that my claim had been granted and that my funds would be paid within days. On the first contact, there was some misunderstanding and the person gave the vague instructions to "check my mailbox" because they were unsure of where the payment had gone. Following a second contact, I was informed that additional documentation from his visit was required, which I promptly provided. On the third attempt, I was informed that the vet had made a mistake in his record regarding the timing of his last vaccine, even though he was experiencing an acute pancreatic episode. I was told to submit more paperwork that day to clear things up. The next call confirmed that the last instructions were in error and that the funds were en route. The next call was to clarify that it would take 45 days for the appeal to be reviewed. On top of the $10,000 vet cost, I have already paid about $400 in interest. The app provides inaccurate information and requires persistent follow-up, which significantly prolongs the claim process. It is their carelessness that has caused all of this, so I wish they would pay my interest charges. This has the potential to completely devastate someone's life.