MetLife | Pet Insurance Review

Filing a claim with Metlife is a joke of a process. They require a 12 month medical history, so expect to not be reimbursed unless you take your pet for monthly check ups. After multiple calls to customer service and confirmation that my pet's medical history was received the claim is consistently closed with the reason being "insufficient documents provided". You'd be better off saving your money monthly then paying for this policy.

This is the biggest pet insurance rip off. They don't pay claims by always asking for additional medical information. I've submitted everything our vet has on record MULTIPLE TIMES! and they still won't pay claims. They are extremely slow in processing as well. STAY AWAY FROM THIS COMPANY FOR PET INSURANCE!!

MetLife looks for anything to deny claims. They denied a claim based on a pre-existing condition of food allergies, when my dog did not have nor was she diagnosed with food allergies. It was a differential diagnosis, the vet was ruling it out. When I appealed this, they said they were denying it for the pre-existing condition of diarrhea. Seriously?? Because the vet's notes said that I had reported diarrhea before the insurance went into effect, it was a preexisting condition. GSDs get diarrhea for various reasons, one of which is stress - which my dog was stressed because she was a rescue that I just adopted. They had denied every single claim except for one, which was a fecal test. MetLife Pet Insurance is a complete ripoff and I would encourage anyone to look elsewhere. I had paid for a full year so I asked for 8 months returned to me. They said it would take 10-15 business days to get a refund, and the amount would depend on the billing department. I would not doubt it if they continued to rip me off. They are a scam!

After paying for dental work. I researched pet insurance and decided to go with MetLife. I love them. If I have questions I can call and get answers. Everyone is friendly and helpful. I wish claims were processed a little faster but otherwise highly recommend them. I just recently picked another policy up for my cat.

Worst experience with an insurance company ever! I purchased the insurance after my cat developed symptom of pulling out fur, which appeared to anxiety related. Shortly after effective date he was diagnosed with diabetes. Diabetes is not related to alopecia. The claims were denied, I appealed and vet sent in a supporting letter which agreed alopecia is not a symptom of diabetes. The appeal was denied. The denial letter did not provide any information regarding the next stage of the appeal process, or the 30 day time frame for appeal. 6 weeks after I received the letter, I called to get information on the appeal process, and was told the time had expired. Metlife's conduct is disgraceful. Don't waste your money or time.