MetLife | Pet Insurance Review

If I could give MetLife Pet Insurance 0 stars, I would. I submitted my claim on June 17 and, as of today, I’m still waiting for reimbursement. Instead of processing my claim, I’ve been given the runaround from the very beginning. The claims process has been incredibly frustrating. They repeatedly request documentation they already have, even after I’ve confirmed there is nothing else to submit. Every time they ask for duplicate information, my claim gets pushed to the back of the queue, causing unnecessary delays. I have four dogs insured through MetLife, so I’ve had multiple opportunities to experience their claims process, and it has consistently been difficult. The Claims Department doesn’t even speak directly with customers. There is no way to call them, discuss your claim, or get answers from the people actually making the decisions. Even when MetLife acknowledges that a delay or mistake is on their end, they still refuse to prioritize your claim or correct the situation in a meaningful way. Instead, you’re expected to wait while your claim goes right back into the normal queue. (Perfect example of quoting the policy) Customer service has been equally disappointing. Instead of listening or taking ownership when the issue is on their end, representatives simply quote policy language over and over. They refuse to escalate concerns, and every interaction feels robotic, with an attitude of, “It is what it is.” There is no accountability, no urgency, and no empathy. Pet insurance is something you rely on when your pets need care the most. Instead of reducing stress during a stressful time, MetLife has only added to it. Based on my experience, I cannot recommend this company. If I had known how difficult the claims process would be, I would have chosen a different pet insurance provider.

Always helpful.

thank you cant wait to ge4t started for my new baby

We recently filed our first claim after my dog needed surgery. The process was extremely easy, and we received payment very quickly. What a relief to have such a straightforward process with pet insurance!

This is the second time that there have been coding errors that have necessitated a bit of follow up, and a delay in reimbursement. When calling to follow up, the representative was very helpful, and there was no chasing after the initial call, everything was resolved.