MetLife | Pet Insurance Review

Metlife Pet Insurance committed fraud by not reimbursing my wife any of the vet costs she incurred last summer for her pet rabbit. We complained to the BBB and some government regulatory agencies, but Metlife refused to budge. They owe my wife around $275 for vet costs. I definitely don't recommend Metlife Pet Insurance to anyone else.

CLAIMS REJECTIONS: I submitted a small claim for diagnostic bloodwork, that is explicitly covered in my policy ("diagnostics performed by a Veterinary provider... such as blood tests"). NON-EXISTENT CUSTOMER SERVICE: I tried the in-app and website chat functions, which were malfunctioning (both times I tried them 2 weeks apart) I tried to call the customer service line... and never was able to get through to a representative after spending 30+ minutes on hold. I finally gave up on the phone call and wrote an email to pet_info@metlife.com... 12 days ago and still have not received a response. Lots of functionality in the app for things that benefit Metlife (updating payment methods, uploading documents, etc), but nothing that supports the customer experience. I am truly amazed at how poor the customer experience is, how challenging it is to get even a small claim approved, and I will definitely be canceling my pet's policy with MetLife as soon as possible.

I keep getting claim denials, live chat never works, wait on hold forever to only get open-ended non-answers. Emails never answered. My last claim they wanted my pet's SOAP notes. Turned them in and still another 10-15 days. It has already been a month. I'm about ready to contact the BBB and/or my state attorney general to file a complaint.

This is not good insurance. It take them forever to denial a claim and they don’t respond to emails or answer the phone.

Although the reimbursement timeframe states 10 days, there is no guarantee when you’ll receive your reimbursement. I’ve submitted a claim on 1/09/25 and as of today, 1/28/25, I have not received my reimbursement. Highly unacceptable as this is the second time this has happened and I’ve only submitted three claims. I will be canceling and switching to Fido.