MetLife | Pet Insurance Review

I will never purchase pet insurance through MetLife again. the first year we had insurance everything went smooth, no issues. Then MetLife started asking for SOAP notes for all of our pets every single time we filed a claim. I understand asking for them once but why should I have to upload the same notes I did 6 months ago for the same pet. You literally have every single SOAP note on file for my pet. When I call to inquire your representative tries telling me there's no notes for my pets. It's like pulling teeth to process a claim. I just submitted a claim for my cat and MetLife rejects the claim because they want 12 months worth of SOAP notes from 4 years ago which is absurd. My cat was only alive for 6 of those months they are requesting....she's 4 1/2 years old. Every time I call customer service they have limited knowledge on the service and process they provide. I don't even want to submit a claim because I know I'm going to spend so much time getting it processed.

My dog is 5 years old, and since the day it was born I have paid for MetLife Pet Insurance. I had never filed a claim until last month, when my dog developed diarrhea and I took it to the veterinarian. The vet recommended several tests to get an accurate diagnosis, including a pancreatic blood test. When I submitted the bill, I was told that the pancreatic blood test is considered a “routine test.” Really? I’m extremely disappointed. I’ve paid for this insurance for 5 years without ever using it, and now that I finally need it, nothing is covered. This situation is incredibly frustrating. I will be looking for another insurance company, and I definitely will not recommend MetLife Pet Insurance to anyone. I feel like I paid for insurance that provided absolutely no benefit.

It has been very easy to file claims and receive reimbursement

Recently my dog Cash was diagnosed with IVDD which required immediate emergency surgery. I was able to file his claim and received reimbursement in a timely manner. It was such a stressful situation but the claims process was so quick and easy it was one less stress.

I currently was referred by a family member of this insurance for my dogs.