MetLife | Pet Insurance Review

When I adopted my dog (a puppy) from a shelter they used a site that in the process offered this pet insurance that would kick in at midnight after you adopt your dog. Not metlife's fault but you didn't get to choose much or read much about the coverage other than you can buy more that would cover more day to day stuff which I did not (and still don't) care about. It did not though state that there is a $5,000 per year cap, just that it'd be a $250/yr deductible and 90% reimbursement which I do fault them for. What was confusing then was it seemed like you are locked in for a year. I called and the rep said no you can cancel any time even if you make a claim. I am still not certain what will happen when I cancel because you have to call to cancel, you can not cancel online like you can with other insurers. I have HealthyPaws for my other dog but that takes 15 days before you can make your first claim which is why I went with this temporarily. The next issue is many people don't keep the shelter's dog name for a puppy. You can't update your dogs name, you can give them a nickname so I put that down before any claim. Clearly that wasn't enough for Metlife to understand that the claims are for my dog. The other issue is their claims process is extremely slow. 3 to 5 days to just review your claim then an additional 10 plus to process it. After a 10 days I got my claim rejected. They wanted an SOAP which I submitted (this is your medical history) but they also wanted invoices...which is also what I submitted. Everything is line itemed and the same invoices I've submitted to HealthyPaws and get paid on within 2 to 3 days. They also said my pets name is wrong in the email but not on the site. I will give them this: one thing is weird in that there are invoices from 2 clinics because we had an after hours incident, but they don't say which vet they want SOAP for or anything. TLDR; everything is slow, opaque, you get emails and links to "view your packet" and most don't go to your packet, and it seems like the bad parts of human health insurance. I have had 3 dogs on HealthyPaws including one that got various cancer treatments (radiation therapy and chemo therapy) and it was all so much easier, faster, and more humane.

Easy to apply

you take too long to review your claims, you have more than doubled your cost in less than 3 years.

Easy to read and follow thru

metlife is a great company,