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Metlife is the WORST!!! NEGATIVE STARS!!!!
I would give negative stars if I could. The absolute WORST!!!! DONT WASTE YOUR MONEY!! My mother purchased a policy for puppies. Within less than 60 days afterwards, my mother passed away at the end of March. It took until June to finally gain access and for MetLife to grant me the authority to her account to get the policy transferred to my name so that I could submit claims for services provided for the puppies. The process of submitting claims is not easy. You will need to be sure that your veterinarian gives thorough soap notes as well as an itemized invoice in order to file claims. So if your veterinarian is difficult to work with in this process it will indeed it affect your ability to get reimbursed for the claims. Metlife was far from easy to work with took forever to get me on the policy and then ended up denying the claims because it had gone over the time to submit claims. How convenient for them? When the policy itself states that I should have had the authority to act on my mother's behalf. The claims were still denied regardless of my situation. I would NEVER recommend MetLife Pet insurance. My mother was elderly. Even if she didn't pass away and tried to do this on her own it would have been very difficult and confusing for her to accomplish. She would have most likely just thrown her hands in the air and given up. When you log into your account there's very limited information. There's zero history regarding payment history, communication history, message history, etc. It's very basic. It makes communication with them complicated and confusing. 👎🏼👎🏼
Insurer: MetLife
By: Erika
He was very friendly polite answered…
He was very friendly polite answered every question I had. I was just very pleasant.
Insurer: Fetch
By: Debbie
Grateful for Embrace Coverage
Our cat has developed some issues as she has aged. Embrace has covered most the vet costs the were incurred for her care. We are grataeful to hav had Embrace to fall back on> They havae been great.
Insurer: Embrace
By: Janis Ritter
Agent Available to Adress All Concerns.
The agent I spoke with was very patient and respectful. She addressed all my concerns in great detail and was very helpful. Fetch insurance provides all the coverage and benefits that my fur baby needs that allow me to feel secure.
Insurer: Fetch Canada
By: Sihle Augustine
You Get What You Pay For
I've been with Embrace for close to 20 years, and 3 dogs. My Frenchie turned 8 a few weeks back. She was diagnosed with encephalitis not long after her 2nd birthday. She requires monthly low dose chemo treatments, but she's blessed us for 6 happy and healthy years with a terminal illness in remission. Our animals get Embrace coverage as soon possible as puppies. Embrace has reimbursed promptly all of the covered expenses within the policy limits for our Frenchie and other dogs with no hassles. This company truly is a life saver!
Insurer: Embrace
By: David Watson
Great service and claim process
Great service and claim process. Of course I would prefer to get all that I paid back but I know it doesn't work that way. Timely process and explanation are always well stated.
Insurer: Embrace
By: Lonny WRIGHT
Agent very helpful
Agent very helpful
Insurer: Prudent Pet
By: Gwynne Hash
Rose in customer service helped me…
Rose in customer service helped me significantly this week, I didn’t realize I had multiple active policies for my pets and she helped me consolidate my policy and save money all while getting proper care for my pets. She is a great asset to the MetLife team!
Insurer: MetLife
By: Lydia Juchnowski
Find another animal insurance company. Terrible!
Trupanion used to be a great company, but over the last couple of years, it’s completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days. I’ve had between 5 and 9 animals insured with them at any given time for the past six years, so I’m not new to this. The premiums have steadily increased across the board, even for puppies I insured early with “locked-in” rates and no pre-existing conditions. I understand prices go up, but the increases have been steep and hard to justify. What’s really pushed me to write this review, though, is the experience I’ve had recently with one of my cats who’s been seriously ill. Over the last few months, I’ve submitted more than 20 claims related to the same illness, and most of them have either gone unanswered or been categorized in a way that requires me to meet a new deductible each time. This particular cat has a $1,000 deductible, and by constantly splitting his ongoing care into separate issues, Trupanion has effectively avoided covering the majority of his treatment. Even worse, some of these claims were denied for “missing information” despite the fact that I submitted every piece of documentation they requested—doctor’s notes, receipts, timestamps, everything. I followed up multiple times after resending the materials and still heard nothing back. At this point, I’ve received responses to maybe 5 of the claims I’ve submitted, and only a few have been paid out—neither for amounts that come close to what I’ve spent trying to keep my (young) cat alive and comfortable. This isn’t just a case of slow service. It feels like they’re actively avoiding payouts. For a company that used to be known for reliability and compassion, it’s been a shocking shift. I run a large animal rescue and used to recommend Trupanion to adopters and friends all the time. I’ve completely stopped doing that. I don’t know if there’s been a change in ownership or internal policy, but something is definitely wrong. After paying steadily rising premiums for years and only needing help now with one seriously ill animal, it’s heartbreaking to be left without support. I wouldn’t wish this experience on anyone, and I can’t in good conscience recommend Trupanion anymore.
Insurer: Trupanion
By: Brittany
You nickle and dime your customers
You nickle and dime your customers - even long-term customers yet raise our rates every year blaming it on veterinary charges going up. This is a joke and a scam
Insurer: Trupanion
By: Emily