MetLife | Pet Insurance Review

I am so disappointed with MetLife. Initially, I thought they were great and that they process claims in a timely manner. When I spoke w/ someone at Customer Experience, I was GIVEN THE WRONG INFORMATION concerning their appeal process. My cat is blind and does have anxiety, so they denied sedation when she had multiple invasive lab work done. I was told that I DID NOT need the vet's signature just for me to sign their appeal form. I followed the instructions given by the MetLife employee (who should have known better than to give me wrong information). The vet had taken so long giving me SOAP notes and she did the same when I sought clarification for the MetLife Appeals dept. After speaking w another agent, I told her that I would contact and obtain the clarification from the vet, which I did. She knew that and so did the Appeals dept. The Appeals dept. rendered a decision BEFORE I got the clarification/amendment from the vet denying my appeal. THE VET AGREED THAT THE LAB WORK WAS INVASIVE and that she suggests sedation even if an animal does not have pre-ex anxiety but shows signs of fear/aggression while she engaged in the invasive lab work. I emailed the clarification/amendment to a supervisor at MetLife last week and I am yet to hear back. I did not imagine that the Appeals dept. would not even consider the fact that one of their AGENTS gave me the wrong information and they did failed to wait for the clarification. Now, they are telling me that I have until early Feb. 2026 to get clarification/amendment that I HAVE TO PAY FOR in order for them to reconsider. I should not have to pay! They rendered that decision without waiting even though I consistently contacted them and spoke w/ their supervisor numerous times. This was not right, and they need to do better as to pet parents.

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Consistent communication throughout the whole process. We have been SO impressed.

It was so easy to submit the vet's invoice and a very quick payment as well.

the payment was quick.