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I filed three claims with them after my waiting period was over. The first was for an allergic reaction related to an MCT, which was accepted and paid part of my deductible. The second was for a follow up visit due to continued health problems from the first claim. Suddenly the MCT is pre-existing and they denied my claim. The third claim was for a righty to remove the MCT and a benign fatty tumor. Again my claim was denied because they decided the MCT was now pre-existing and in addition decided the benign fatty tumor was pre-existing as well. I want to make it clear that the MCT itself was not diagnosed until a wellness exam that occurred after the waiting period. Seems to me they just didn’t want to accept the last two claims because I would have then met my deductible and they would have had to pay out on the third claim. They want to take your money and not help your pet.

Claims filing easy and typically receive payment within 30 days.

METLIFE DOES REQUIRE DETAILS ON YOUR INVOICES, SO BE SURE THAT YOUR VETERINARIAN'S SUPPORT PEOPLE KNOW EXACTLY WHAT THE INSUROR NEEDS AND THAT THEY ACTUALLY KNOW WHAT THEY ARE DOING. YOU WILL HAVE TO FOLLOW THROUGH ON THESE PAYMENTS AS FRAUD IS RAMPANT, SO EXPECT THAT YOUR CLAIM SUBMISSION IS PROBABLY NOT A ONE-AND-DONE DEAL. ONCE MY VETERINARIAN'S OFFICE SUPPLIED ALL THE WRITTEN DETAIL REQUIREMENTS, THE CLAIM WAS PAID AND ANY MONTHLY PREMIUM PAYMENT MADE WAS PAID BACK TO ME PRO-RATA, AS OUR WONDERFUL STRAY CAT WHO ADOPTED US WAS KILLED BY A DOG THAT GOT LOSE AT NIGHT FROM IT'S OWNER. OUR ROMEO WAS APPARENTLY STILL SEMI-FERAL AND ABANDONED IN OUR NEIGHBORHOOD. OUR NEIGHBORS MISS HIM. WE MISSED HIM. WE ADOPTED A DOMESTICATED FORMERLY FERAL CAT, SIMBA THE SQUEAKER, ANOTHER WONDERFUL CAT WHO IS NOW INSURED BY METLIFE. ROMEO WOULD WANT HIS TWO-LEGGERS TO ADOPT ANOTHER WONDERFUL FORMERLY-STRAY AND ABANDONED CAT

My boy File' had 13-15 stones removed at a really young age. The doctors and all employees at Chateau Vet were so good to him. He was back and forth to the clinic over a 3-week period, and we never felt like a number. They call us by name as soon as we enter the building. Met Life Pets has been a life saver! I have never had a claim denied. I will never trust my boys to anyone else. THANK YOU, CHATEAU VET AND MET LIFE PETS!!!!

Hagen is my first dog to have pet insurance. Unfortunately, he has already had some health issues in his first year of life. MetLife has exceeded all expectations.

I have had Healthy Paws insurance for one of my dogs since he was a puppy and he is now 7 years old. I have been very pleased with the coverage and service I receive from Healthy Paws. I am reimbursed for eligible services days after submission to Healthy Paws. Over this past year my dog has been treated for an unknown shoulder injury that just seems to defy the many approaches to rid him of his pain. Healthy Paws has covered all the treatments submitted and continues to do so as we get closer to a diagnosis that will hopefully result in resolving his pain, muscle atrophy and limping. I recently switched my other dog over to Healthy Paws Pet Insurance because of the great coverage and customer service I receive from Healthy Paws!

-------After having policy with MetLife for several years and now second dog - we never had a complaint EXCEPT now ! At our renewal they raised the pricing 40% -- no formal letter although they state it was sent in an email 60 days ago ?? regardless how outrageous ! we only used a small portion of our benefit ! I will be shopping around tomorrow. -

I signed up with Metlife Pet Insurance in March of 2023. Have filed over $900 in medical treatment for two of my pets with MetLife Pet Insurance. I was told by an agent that my insurance would cover all injuries and illnesses after 2 week waiting period and for treatments such as spaying and neutering. Every single one of my claims have been denied. I reported my one-month-old kittens who are two from the same litter, exact age. Metlife inputted the incorrect age for one of the kittens by 2 years! When I caught the mistake later, they reset my policy and had me restart my deductible payment, for THEIR administrative error. This pet insurance company is scamming customers by making it difficult to reimburse claims. I contacted customer service in mid-October to assist. They informed me the review would take 3-4 business days. It has now been over 6 weeks with no response. I have other friends and family who are sharing similar complaints. I should have known their monthly payments for the amount of supposed coverage was too good to be true. I will be following up with California Department of Insurance to flag these fraudulent practices by misstating their services upon enrollment.

We've had Healthy Paws pet insurance for our dachshund since we got him four years ago and have always had a positive experience with claims being processed easily and quickly. He recently needed emergency spinal surgery and hospitalization for three days. Even though this claim was extremely high and included three pages of charges, everything was processed quickly, helping us avoid any financial difficulties in caring for our little man. On top of that, they reached out to us to see how he was doing. It was a very pleasant surprise to see an insurance company care so much. We've recommended Healthy Paws to all our friends with pets.

My dog died, and had cancer bills relating to his death. I provided bills, but haven't seen the reimbursements I paid for. I feel like they are trying to tire me out so that I give up and don't seek reimbursements anymore, but I'm absolutely entitled to them.