MetLife | Pet Insurance Review

Most of my reimbursement claims are denied on the grounds of a pre-existing condition. This denial is based on a previous report from a university veterinary hospital mentioning suspected illnesses before the dog was adopted, but this report draws no conclusions. I am seriously considering cancelling this insurance.

Had a claim on 2 of my dogs. Got reimbursed very fast. I've had Met Life on my dogs for 2 years. I've always had good responses to my claims.

I adopted an 8 year old lab named Buddy that lived with a cone on for years, and wasn’t to the vet for a long time. Blue Chip the organization I adopted from sent me an email saying to apply for Metlife pet insurance. I applied and got the insurance. It was absolutely God sent. My husband and i are retirees on a fixed budget. Metlife really cares about pets . I got the insurance on 01/01/2026 and 9 days later when i took Buddy to the vet , Metlife coverd it minus my deductible. Thank u Metlife for covering my 8 year old rescue for a very responsible price.

The representatives I had to work with a couple of reps. I sent in claims, and all supportive documentation (soap note a couple of days later). I had constant emails re missing soap note ( for two+ weeks). Finally resolved 2/11/26. Earlier I scope w/a rep re a med. The case reviewer did not understand “generic” vs “ brand name”… I walked the rep I was speaking with through that. And asked her to please educate the reviewer.

Wasn't long and have great offers