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Verified July 28, 2025

Better retrain your reps and…

Better retrain your reps and supervisors about telling people the truth. I called five times and received five different answers. Reps are rude. You wait a long time to get answers. Totally unacceptable. Where did customer service go?

Insurer: MetLife

By: Cindy M

Verified July 28, 2025

Most information was easy to find

Most information was easy to find. Price for coverage seems reasonable. We’ll see how I feel when I have a claim.

Insurer: Nationwide

By: dk

Verified July 28, 2025

Kia was absolutely fantastic

Kia was absolutely fantastic! He walked my husband and I through every detail.

Insurer: Nationwide

By: Emily Waud

July 28, 2025

Easy

Easy, straightforward submittal process.

Insurer: Embrace

By: Kevin Barnett

Verified July 28, 2025

Quick claim reimbursement turnaround…

Quick claim reimbursement turnaround time.

Insurer: MetLife

By: Demetrius Davis

Verified July 28, 2025

Takes a very long time to process claims.

Good insurance so far, only problem is claims take a very long time. Sometimes up to 3 weeks to process.

Insurer: MetLife

By: Crystal Arocho

Verified July 28, 2025

Good Experience From start to finish

From start to finish, each interaction has been personable, helpful and effective. The policy pays on time without hassle and asks for a logical amount of supporting documentation. I do recommend it for many folks!

Insurer: MetLife

By: Jeffrey

Verified July 28, 2025

Peace of mind!!!

We love everything about Metlife!!

Insurer: MetLife

By: DUSTIN DOBYNS

July 28, 2025

Abysmal

Overall, I am extremely unhappy with MetLife Pet Insurance policies and service. The only reason I have stayed on this insurance plan is because if I switch to another provider anything that is currently covered under MetLife policy will be considered pre-existing under a new plan. The insurance model feels like this company exists only for profit without any regard for the wellbeing of people's pets. I am specifically frustrated that my dog's eye condition (pannus) is not covered. Months prior to her diagnosis, I scheduled her for a vet appointment to treat a bite mark and eye redness in one eye. At this appointment, I arbitrarily said the issue started "a couple weeks ago" after playing with another dog - I had waited until the policy started to schedule this appointment because this was our first time at a vet being insured. During this appointment, they could not determine why my dog's eye was irritated, other than speculating that it was a play injury. She was also treated for a bite at this appointment. Within a week of this appointment, the eye redness went away without treatment. While at first covered, MetLife later retracted coverage after my dog saw a specialist for eye redness in both eyes (months later), citing the initial appointment as proof that the issue began before policy coverage. I appealed the decision, got a doctor from the clinic of the first appointment to sign off that there was no evidence that the issue treated during that first appointment was chronic or pre-existing, nor necessarily related to the chronic condition my dog later developed well into the policy. My appeal was rejected, though I never received a letter in the mail and now it is far too late to re-appeal. Now, nothing related to her eye condition is covered, while I still pay over $100/month for her pet insurance. Because of this, I cannot afford to treat her eye condition and she may suffer permanent eye damage. I feel like we were completely taken advantage of, and roped into a pet insurance plan that is not best for us. More recently, I called customer service with an estimate to have a small lump on my dog's side biopsied. Based on MetLife policy, the customer service representative cannot even say definitively whether or not this biopsy will be covered, despite it being years into my policy. While I don't blame the representative, it is extremely frustrating that it is the plain policy of MetLife Pet Insurance to never give pre-approvals for coverage. In this same call, I requested some information on yearly rates and how they expect them to change from year to year - the representative could provide no information on this either. In addition to these problems, in my experience MetLife takes far longer than their 5-10 guarantee to process claims, doesn't update their system properly (my claims from the eye issues still say "processing"), and the system is glitchy and slow. I strongly advise against choosing MetLife to insure your pets - they are sharks that have backwards priorities, despite what their representatives tell you.

Insurer: MetLife

By: Astrid Hunter

Verified July 28, 2025

Trupanion’s was right on top of paying…

Trupanion’s was right on top of paying the bills in a timely manner

Insurer: Trupanion

By: TIM & CHRIS

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