Claim Coverage
Explore detailed reviews about the claims process and coverage provided by pet insurance companies. See how quickly claims are approved, what’s actually covered, and how satisfied pet parents are with reimbursements.
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The coverage is great, but claim order and customer service need work.
I love the coverage, and generally I love having met life however the way claims are completed, the order in which things are done, and the absolute monstrosity I ran into a month or so ago when attempting to rectify an issue that happened on MetLife’s end from how it was explained to me, was extremely frustrating and if it continues I will consider another company.
Insurer: MetLife
By: customer
Great, first time experience
The girl that helped me fill out the claim form was so helpful and patient. I expected the claim to be denied, but was so surprised when it went through so quickly. in the beginning I was skeptical about getting my dog health insurance but now I’m glad that I did.
Insurer: Spot
By: Josh Blatchford
We have had MetLife pet life insurance for our two Doodles
We have had MetLife pet insurance for our two doodles for the last three years. One of our doodles, Harley, is getting up there in age (arent’t we all?) and has had more vet visits than we or he would have liked. There are two pieces of really great news: (1) Harley is almost 15 1/2 years old and is doing great; and (2) MetLife pet insurance has been amazing, including phenomenal customer service. We very much appreciate it . . . and so does Harley.
Insurer: MetLife
By: AMS
Easy claims submission
Easy claims submission, prompt reimbursement
Insurer: MetLife
By: customer
There is such a burden
There is such a burden! Time limits, SOPs, etc. My vet is very slow to finish charting and SOPs, so it’s a challenge for me to get things in on time. Then the requests for information is ridiculous. For example, I submitted the order for her monthly flea/tick/heartworm prescription and her eyedrops. I used the vet pharmacy and the paperwork showed that but I still received requests for more information. Ridiculous and burdensome at a time such as this. Also, the app is finicky and glitchy and not really that user friendly but you don’t miss a beat trying to sell me something.
Insurer: MetLife
By: Jaretta
Fast payment
When all the documents are provided, claim payment is fast.
Insurer: MetLife
By: Ben Chaff
Good coverage and fast processing
Good coverage and fast processing times. The application is easy to use and submit claims. When I have had questions, they were answered quickly and with enough information to help.
Insurer: Spot
By: Jennifer
Easy submission process for insurance…
Easy submission process for insurance claim and quick turnaround to receive pay out.
Insurer: MetLife
By: customer
My experience with MetLife Pet has been mixed…
My experience with MetLife Pet has been inconsistent. When I first signed up, I had one policy for both of my dogs, but when I added a new dog to the household, I was told that was no longer allowed, so now I must have two separate policies. And the policy I have for my first dog was no longer offered, so they are different in scope and coverage, which is sometimes confusing. I also was told that my new dog had a "pre-existing condition" even though I signed her up as a 9-week-old puppy, because when she was diagnosed with a skin infection at 4 or 5 months old, there was a reference to itchiness in her files, which was classified as allergies. That was unexpected and annoying. Finally, sometimes I get reimbursed for claims quickly, within the time frame quoted in the policy. Other times, it takes longer and I have had to email and/or call and/or chat with someone to ask for an update, and I'm usually told that it's because they are waiting on SOAP notes, then the timeframe starts over. When I have provided SOAP notes, I have been told that it's processing and may take a little longer. Then, suddenly, a reimbursement notification will come along out of the blue. All of that said, most of the things I expect to be covered are covered. But one of my policies for my dogs has jumped in price to over $200 per month, and my younger dog is nearing $90/month, so I may have to look elsewhere to see what kind of options are available to me. I don't dislike MetLife Pet, but for what it costs, I'm not sure if it's worth it
Insurer: MetLife
By: Erin Sullivan
I am really happy that I signed up for…
I am really happy that I signed up for this insurance for my dog and cat. It is so easy to submit claims and the customer service reps are always very helpful.
Insurer: MetLife
By: Meegan G