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August 26, 2025

Do Not Recommend Metlife Pet Insurance

Would prefer to give them a negative star at this point. As someone who had Nationwide previously and was "Fortunate" (SARCASM x 100). enough to switch over to Metlife under the circumstances I wish I would have done some more research. 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. I have only had them for 5 months now and it has been far from a good experience. They take forever to reimburse claims even if its something they have already covered previously. When you submit a claim it states that it will be processed in 5-10 days which is false. It takes anywhere from 15-30 days for a claim to be reimbursed. Their customer service is very unhelpful and very dismissive. I submitted a claim on 7/10 and got reimbursed incorrectly on 7/11 "due to a system failure." I called on 7/14 when I looked at the App and noticed the discrepancies on the reimbursement. I was told I shouldn't have even been reimbursed yet and that nobody else that submitted claims that day have been reviewed yet. She told me it would be reviewed by claims and get fixed within 3-5 days. I called back again after a few days and got some other lady who told me the same BS they tell everyone else "Claims take 5-10 business days but could take up to 30 days per our policy" couldn't give me an update just that it was sent back to claims for review. After 17 days go by I call back again and get the same BS answer above and no resolution. Mind you they have already reimbursed me previously for the same medication so why it takes this long to get reimbursed again is ridiculous. As of 8/5 I still have received no update or reimbursement on the claim. 8/8 ended up calling again as I still have received no resolution for Metlifes screw up on my claim. Talked to another gal in customer service who informed me that last 3 other times I called nothing had been pushed forward so she pushed it through. Told me its going to take 3-5 days to review again. We are on 20 days now of a unresolved claim issue due to their system. And now I have to wait again another "3-5 days." I ended up calling back and talking to a manager who pushed it through to claims and expediated the process which still took another 4 additional days, almost 25 days and I finally got my $40 dollar resolution due to their screw up.... Also, just a forewarning to anyone needing a thousands of dollars procedure done per the vet... they do not provide pre-authorizations or approvals. They expect you to go forward with the procedure, submit the claim and risk essentially not being reimbursed for that said procedure. It looks like from other reviews that I am reading it is pretty common for them to essentially make it impossible to get reimbursed for procedures that are thousands of dollars, they make an excuse not to reimburse, or take the full 30 days if not longer to reimburse their customers. ANOTHER UPDATE: 8/14 called again which feels like the millionth time. 23 days later and still not reimbursed for a claim submitted in July. For how much I pay a month its ridiculous its taking this long to get reimbursed... so forewarning its taking 10+ days to get reimbursed for a simple claim anything complex expect the full almost 30. Unbelievable. Make sure you have money set aside as backup. further review there was dis

Insurer: MetLife

By: "Anonymous"

Useful
August 26, 2025

Simple process from quote to sign on

Simple process from quote to sign on

Insurer: Embrace

By: Christine Van De Graaf

August 26, 2025

Great

I was wonderful

Insurer: Embrace

By: thomas stephenson

Verified August 26, 2025

The sign up process is seamless!

The sign up process is seamless!

Insurer: Nationwide

By: customer

August 26, 2025

This company has been great

This company has been great. My 3 dogs are insured here. My Lexi suffers from seizures. I can't say enough about this company. Thanks

Insurer: Embrace

By: Jerry Zee

Verified August 26, 2025

Did great explaining everything to me

Did great explaining everything to me

Insurer: Nationwide

By: customer

Verified August 26, 2025

Easy to use

Easy to use, claims are quick so long as proper invoice and records are provided and the treatment is covered in your plan. Really helpful in emergency cases

Insurer: ASPCA

By: April G

Verified August 26, 2025

It was easy to make a claim

It was easy to make a claim. It was easy to get through to customer service. I got my check quickly. Overall, a very good experience.

Insurer: Trupanion

By: Stephanie

Verified August 26, 2025

I was very happy to get my claim…

I was very happy to get my claim approved and get some money back.

Insurer: Fetch

By: Mary

Verified August 26, 2025

I'm very happy with Nationwide's…

I'm very happy with Nationwide's coverage. Recently we lost a very dear family member (Luna). Although till today is hard to talk about. Nationwide was able to cover us during her passing. Thank you Nationwide.

Insurer: Nationwide

By: Sol's Dad and Family

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