MetLife | Pet Insurance Review

My experience in dealing with MetLife was really good. I recently lost my pet dog and filed a claim. MetLife did its due diligence and paid it out within a month. The final payout came very close to what I was expecting. I gave it 4-star instead of 5-star was because, they a) it could have been faster and b) I could have been kept informed of the progress. But overall, I am very happy with MetLife and insured my second dog also with MetLife.

Many calls to this crap insurance. I left Nationwide to come here because Nationwide was charging me up to $300/mo. This MetLife pet insurance is no better. The time to wait for my money is taking way too long. They claim they need SOAP notes, and prolong it even longer by saying we need this info and that info etc. The representatives are telling me they are backlogged since October due to natural disasters blah blah blah. They sure have no issues deducting my money from my bank account every month to pay their institution. I’m leaving once I get my money. I can’t wait this long for my money every time I submit a claim. They say up to 15 days now it’s 30 days, false advertising. Never had this issue with other pet insurance companies . I’ve asked to speak to a manager or a retention department, but they have nothing like that. Who’s running this operation? This is ridiculous! I’m waiting for my money then leaving as fast as I can, and not looking back. Thanks for nothing MetLife. Waste of time!

I cannot stress enough how disappointing and infuriating my experience with MetLife Pet Insurance has been. Their service is beyond incompetent when it comes to handling claims. Over a dozen of my dog’s medical claims were delayed, denied, or left in limbo as they repeatedly extended the review period, claiming they needed “additional documentation”—despite everything being provided multiple times. One particularly egregious incident involved an appeal from my vet, which MetLife representatives claimed they didn’t receive—twice! My vet confirmed the appeal had been sent both times, yet MetLife denied it until the appeal period expired, leaving me with no recourse. This was not just unprofessional; it felt deliberately obstructive. The lack of communication, constant runarounds, and blatant mishandling of claims has made this the absolute worst customer experience I’ve ever encountered. Dealing with MetLife has been nothing but stress and frustration, and I wouldn’t recommend this insurance to anyone. If you value your time, money, and peace of mind, do yourself a favor and look elsewhere for pet insurance.

There are no "0" stars permitted as MetLife Pet does not deserve the one. This has to be the worst company, let alone insurance company that I have had the misfortune of purchasing pet insurance for my dog. I will keep this brief unlike the FIVE or more telephone calls, multiple emails of SOAPS and MetLife Pet App submissions of SOAPS and Invoices. There are now multiple copies of everything and they are still NOT processing the claims because there are no SOAPS for three urinalysis reports and my claims will expire as they sent me an email that they were giving me NINE days to submit all SOAPS that had already been submitted and resubmitted. DO NOT PURCHASE METLIFE PET INSURANCE!

I'm surprised I see so many bad reviews. My experience is great, the claims are being processed quickly and the customer service is fantastic.