As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years.
MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.
I've had MetLife pet insurance for 2.5 years on my Beagle. Their plans are very straightforward and they would get 5 stars from me just based on that. However, I can't recommend them whatsoever because of their shady business practices and abhorrent customer service. Their app was initially useless but they've since made changes and I can at least submit claims via the app with no issue. However, their customer service chat is down 95% of the time, and the other 5% it just says "please wait while we connect you to a chat support specialist" and it never connects... ever. Forcing me to call MetLife and sit on hold waiting for a human to answer.
My main issue is that they rarely ever pay out claims within their stated terms. They say 3-5 days, but also say to give up to 10 days when they're busy. Ok no problem... But I've had claims sitting for several weeks, all documents correctly uploaded, and no pay out.
When I call them to inquire, I get 1 of 2 standard answers: 1) "MetLife has up to 30 BUSINESS days to process your claim" -- which of course is no where on their website except the fine print of your contract, because advertising that you'll get payment in 6 weeks isn't good business. Or 2) magically my claim is being finalized that very same day I call to complain! Wow, what a coincidence.
They take my monthly payment every month like clockwork, but I have to hound them for a payout each time, which I find ridiculous and annoying.
UPDATE: I just got off the phone with MetLife and they told me the claim I submitted 2 weeks ago will likely take another 2 weeks to be processed, even though I have all my SOAP notes and documentation included. The rep said they are currently working on claims through November 25th and my claim was submitted December 4th. Today is December 17th.
MetLife - If you are always behind on claims, you either need to hire more people or stop lying to your customers about the payout turnaround time. Stop touting 3-5 days when it will take a month or more.
I'm very frustrated with Met Life Pet Ins. b/c their claims process is NOT 5 to 10 business days as they like to advertise. This is deceiving and simply a lie. I submitted a claim for my dog on 11/26/24 and so far, crickets. I sent an email last week for an update, and still, no reply. I will tell you that my claims have been paid BUT, it's simply a painfully slow waiting game. Are they short-staffed? is this why the claims process takes seemingly forever?? Customer service needs to improve: respond to our emails, have a better chat set up. Your chat box is almost always down! You guys are a multi million dollar company...why the lame chat, the lack of communication, the leaving-us-clients-hanging? It's really a disservice and I'm just plain fed up.
My dog had. Diarrhea when I first got him because I was changing his food and they now called the chronic so anytime he has diarrhea. They have a get out of jail card for free and don’t have to pay the claim They’re calling a pre-existing. Really? You submit a claim now they want soap notes. I have had Pet insurance with everyone of my pets for the past 20 years I have never had to go hunting for notes from the vet. They say they’re going to pay within five or 10 business days but it’s more like two or three months if they pay you. They want to try anything they can not to pay claim even though it’s clearly noted that the claimant should be paid. It’s something that’s covered.
1
out of 5
POSTED:
| BY: Diane Matuszewski
BEWARE!!!!!!!!!Pretty bad
I have 3 pets insured with this company one Cat and two dogs. It was good for a while until I purchased a policy for my 2 dogs. Every claim I submit after that time goes to the wrong policy/pet and I mean EVERY SINGLE TIME. I called, texted, talked to Customer Service emailed and oh yeah CHAT which is completely useless, submitted and submitted and submitted over and over and over again. I finally got payment at the end of November from a submission I sent in August, and that was after I submitted this claim once a day for an entire week. I still have outstanding claims waiting to be processed and they are still under the WRONG PET!!!! Good thing I saved all my submissions emails and phone calls of everyone I spoke to. Who denies a claim for an anxiety medication after it has been paid for from day one. This company needs a serious overhaul.
The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.
Coverage
Reimbursement for up to 90% of vet costs.
Payout Limits
Deductible
Customizable deductibles from $50-$500
Age Limits
No upper age limits. Pets must be at least 8 weeks old to enroll.
Waiting Period
Accident – policy effective date (1 day waiting period); Illness – 14 days
Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!