Customer Service
Find out how pet insurance companies treat their customers. These reviews highlight the quality of support, communication, responsiveness, and how well companies resolve issues for pet owners.
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Policy Increase
MetLife increased my policy by over $700 a year. They are stating that this policy that I have no longer exists therefore I have to pay the price for it. I called multiple times they did not want to help me except for wanting to reduce my coverage which I do not want to do that was their only option. Their customer service was terrible I was lied to a couple of times by customer service and I was told that if I did not want to change my coverage then there wasn't anything that they could do for me since my policy that I have doesn't exist anymore
Insurer: MetLife
By: Teresa
Worst
I have a lot of complaints about the claims through this company. But to make it short I pay for insurance that does no good. I am better off putting the money I pay them into savings to use at the vet. They are difficult to work with.
Simple and Thoughtful
My dog had a tooth extraction and the insurance claim process was super straightforward and easy. We received a reimbursement within a couple of weeks, without any issues or overwhelming paperwork. They even reached out to check in a couple of weeks later to see how my dog was doing, which was such a thoughtful and personal touch. We’ve been with Healthy Paws since Piper was a puppy, and they’ve been wonderful to work with!
THE WORST
It’s funny how on their website, they only put the 5/5 star reviews. I have A LOT of things to say about MetLife Pet Insurance. Just save your money and don’t bother. The worst claims process with continual and sometimes immediate denials for tests and procedures clearly outlined as covered. It you try to appeal, it is crickets. I have an appeal still out in the ether from May that I’m sure I’ll never hear anything about or it will just get denied again. It’s not like I am even going to get compensated remotely close to the over $14,000 that I’ve had to spend on bilateral CCL tears that my dog has experienced, but MetLife wants to tell me that they are an “illness” and not from an apparent injury that my vet documentation and SOAP notes clearly outlines on the very first page.
Insurer: MetLife
By: Corinne
Speedy
Speedy and Uncomplicated to file claims., and im not tech savy at all. Been with them 6 1/2 years
Refund on annual checkup
After my rescue dog, Molly, annual check up, I submitted the invoice to Pets Best Insurance. I was surprised how quick I received email that would be reviewing. Next day received another email with amount to be paid. In less than week, I received the check for the covered charges. I am so surprised and happy how quick and easy it was to submit.
Great Experience
Loki was not feeling well and was drooling, which is not normal for him. The next morning, I called and got him into the vet to get checked out, which included an exam and labs. After his visit, I was able to easily file the claim on the app including uploading a copy of the invoice/receipt. It took less than 5 minutes. Payment was in my account about 3 weeks later, which I consider an acceptable time frame. I received an email once the claim was filed, an email a couple week later apologizing for the extra time it was taking (again I did not think it was too much time), and finally an email with the EOB. Pets Best makes filing the claim easy, and keeps you informed. I am very satisfied with the experience (other than Loki being sick) and love having the peace of mind knowing that if Loki or one of my other cats get sick or injured that they are covered
Great Claim Experience
"I am so thankful for Pets Best. Making the claim was so simple, and they responded very quickly. I feel secure knowing I have them to help me with my pet's health needs
Easiest Insurance To Use
This is the 1st pet I’ve ever had that I’ve used pet insurance. I’ve never needed to file a claim before, but the ease of the process has made it 100% worth it. My dog has allergies we are learning, typically I would have stressed about having to deal with the cost sometimes associated with it. But having pet Insurance with kind and caring agents, and representatives that genuinely want to help has been such a relief. They made the claim process easy, kept me informed, and notified me with an explanation of benefits, and when reimbursement was made. I’ll always recommend Pets Best to fellow pet owners!
“Insurance That Doesn’t Suck”? Think Again.
“Insurance That Doesn’t Suck”? Think Again. Lemonade proudly markets itself as “Insurance That Actually Helps” and “Insurance That Doesn’t Suck” — but my experience has been exactly the opposite. I purchased pet insurance to protect my dog, Ellie, and instead was met with a series of frustrating, borderline absurd claim denials that make it clear this company is far more committed to avoiding payouts than supporting pet owners. Ellie needed surgery for a fractured tooth — something explicitly stated in their policy as covered if caused by an injury. Yet Lemonade denied the claim, claiming the fracture was due to periodontal disease, with no definitive evidence to back that up. When I challenged this and offered to provide clarification from my vet, I was told the record “didn’t support” coverage — unless I personally tracked down and resubmitted more proof. So much for help. Separately, Ellie’s eye and ear infections were denied as “pre-existing” based on seasonal allergy notes from months before — even though there's no way to prove these new conditions were caused by the same issue. According to Lemonade, any past symptom means nothing remotely similar will ever be covered again. That’s not reasonable — it’s predatory. Lemonade’s entire process feels engineered to deny coverage through technicalities and generalizations. It’s exhausting, disingenuous, and absolutely does not live up to the promises in their branding. I’ve canceled my policy, and I’ll be warning others: If you're looking for pet insurance that actually helps — Lemonade isn’t it.