MetLife | Pet Insurance Review

They make it as difficult as possible to get reimbursed. They have ridiculous and unreasonable qualifications for what paperwork is acceptable and what’s not, even if it details everything necessary for them to be able to process the claim, i.e. invoice, pricing and soap notes. Customer service was unhelpful as well and didn’t provide any solutions as to why my paperwork was denied. Eff you MetLife.

This company is giving me the run around. I filed a claim for my dog and keep getting told documents I have uploaded and emailed MULTIPLE times are missing. I have spoken to three different customer service agents who have all assured me they have everything and then by the next day I get another notification that the documents are missing. I was on the phone, pulled up the claim in the app and was looking at the document attached to the claim while they told me it was missing. This is the most infuriating experience. Do not bother with this useless company.

I have been given the run around from the insurance company regarding a claim for my dog. I am being told that documents I uploaded are missing. I have been on the phone with three different people who all assured me they had everything they needed and I get told documents are missing and it’s a different document every time. I had a chat agent end the conversation in the middle of trying to resolve this issue. I have emailed documents over multiple times and even pulled up the claim in the app and was looking at the apparent missing document attached to the claim. I am so tired of being given the run around. They think I’ll forget about this but I’m not going to. I expect my claim to be processed and to be reimbursed for the amount promised on the policy.

This is replacing a previous 2 star review as I finally received information that is clearer than the website and had a claim processed. As long as they do not raise my rates next year as penalty for my puppy's illness, I will likely continue on with them. Cons: -The chat feature on website is for show only and should be removed. It is false advertising for a service they don't offer. -The website states that claims process in 5-10 days. This is not true. Some claims can take up to 30 days, which someone on the phone verified and which is buried in fine print somewhere. The website should be updated reality to allow for realistic expectations and save time calling customer service when claims don't process within 10 days. -When I used the contact form on the website, I never received a reply. Again, features that are not in use should be removed. -I have wellness coverage but this is not marked anywhere in my account materials or policy documents. I had to call to make sure I actually have it. -There is no way to opt out of receiving paper EOB statements, which is environmentally wasteful since that information is emailed and available in the online portal. -They contacted my vet and asked for my puppy's medical records, which was odd because I've already uploaded all of her medical history since she was in rescue before I got her. They did not send me a notice that I was missing documents. It gave me the impression they were trying to find a way to invalidate my claims. Pros: -All of my claims have been processed without a dispute, even if it took a month for larger claims. -The call center workers are always kind and helpful. -It is relatively easy to submit documents online. -Getting reimbursements over PayPal is fast and simple.

Get a different pet insurance company. MetLife does NOT approve your claim even after soap notes from the Vet, proof, receipts, etc. MetLife collects your monthly payment without providing any services. Seriously the worst pet insurance company. You lose money here rather than getting help for your pet. Don’t waste your time here.