MetLife | Pet Insurance Review

Excellent company to do business with. Easy to submit claims and they are quick to process. Recommend them highly.

I have tried other health insurance fr our cats (we have 3). When my employer added MetLife Pets to our supplementary plans, I signed up mostly because payroll deductions would be more convenient than paying the plan I had at that time. I was very much pleasantly surprised - First, when I called to get a quote, they asked me how I wanted my policy to be. So they tailored on for me and my 3 cats - covers anything I take them to the vet for, including emergencies and dental and $0.00 deductible. Premiums wereat least 20% less than the current plans I have had which covered only wellness. No more nickel and diming wiht the vet! Even better, MetLife Pets website and app is so easy to use that filing claims is as easy as logging in an uploading copies of the invoice and vet notes (called SOAP). 10 days after documents were uploaded, my reimbursements just show up in my bank account! One more thing - When my son's wife took one of our cats to the vet and did not get the SOAP notes, MetLife Claims Processor contacts the vet and got the documents for us. Now that is Customer Service! Even better - we got reimbursement a day after the vet sent them the documents. That's efficiency!

I have had to spend hours and hours of time fighting to get legitimate claims paid. This company uses deliberate “system errors” to delay and avoid claim adjudication. Just one recent example of MANY: I submitted all required documents including a paid invoice and SOAP notes. After 10 days, the claim simply disappeared with zero communication. Natasha told me it was disappeared due to the invoice format, and all I needed to do was submit another proof of payment, and would not need to resubmit SOAP notes. Did that, weeks later they claim I never submitted SOAP notes. Every time, they say it will take a couple more business days to process. It’s been MONTHS. I had one claim denied for valid reasons and never fought it, that’s fine. The issue is they pull this “friendly incomptetence” scam when they want to avoid legitimate claims and defraud their paying customers. I would have believed one time was an honest mistake, but this is the experience I have had with them consistently and repeatedly over the past several months.

I have insured 2 dogs with Metlife , and couldn’t be happier. When I lost my first Basset, Metlife was there for me. Now i’m insuring my second, and already had multiple claims for shots, heartworm meds, checkups and soon to be neutering. Metlife covers it all. Can’t put a price on piece of mind. My pup is worth it, yours should be too. Metlife is definitely worth the price.

In a world that is changing, and not as dependable as in the past, not as trustworthy., it helps me to know there are those institutions, agencies, companies, etc that do not change. You are one of those providers that still care about your customers and our pets. I can count on when I have a claim you process it and get feed back back to me. Reimbursements are timely. Customer service is ready and willing to help and answer questions. I appreciate that. Kindnesses is a must in these days and you have been kind, and caring. Thank you for your efficiency and your patience and for your being there for. Us and our. Babies (pets). God bless you all. Romans 10:9