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 have insurance through them on all three of my dogs. I find the insurance very affordable and easy to work with. This is the first time I’ve ever had pet insurance and after a year with them, I’m about to renew my policies. I never knew insurance could be so easy.
1
out of 5
POSTED:
| BY: Natalie Littlehale
Again--not a zero star allowed
Again--not a zero star allowed. My claim has not taken the 10-15 days they advertised. I called in (cause chat is a joke) and she said it was all fine. Now I get a message that says something is missing--WHAT IS MISSING--you cut off the statement and I have no idea. I am seeing all these negative comments and believe I will need to change companies. Thank goodness my dog is young and I can find another company. They can't even communicate via email---really????
Caution: My Disappointing Experience with MetLife Pet Insurance
I am sharing my personal experience with MetLife Pet Insurance to help other pet owners make informed decisions. While this is my honest account, I encourage everyone to carefully evaluate their options before choosing a pet insurance provider.
Key Issues I Experienced:
Claim Denial Based on Preexisting Condition:
My claim for my cat was denied, with MetLife citing the condition (stomatitis) as preexisting. Based on the medical records and timeline I provided, I believe this determination was made in error. The records showed no diagnosis, treatment, or symptoms of stomatitis before the policy’s start date. Despite this, my concerns and supporting evidence appear to have been overlooked.
Repeated and Unclear Requests for Documentation:
After submitting all the requested documentation, I was asked repeatedly for additional records without any clear explanation of what was needed or how it related to my claim. This created unnecessary delays and left me feeling frustrated and unsupported.
Lack of Response:
I sent a detailed letter on January 2, 2025, requesting a reevaluation of my claim and an explanation of the repeated documentation requests. As of today, I have not received any acknowledgment or response, which has been extremely disappointing.
My Next Steps:
Given my experience, I feel it is necessary to take the following actions to address my concerns and seek a resolution:
Filing a Formal Complaint: I plan to submit a complaint to the State Department of Insurance to ensure my case is reviewed independently and to raise awareness about these practices.
Consulting Legal Counsel: I will seek advice from a legal professional to better understand my rights and explore options for resolving this issue.
Sharing My Experience: To help other pet owners make informed choices, I will continue to share my story through consumer advocacy platforms and online reviews.
Reevaluating My Coverage: I am actively exploring alternative pet insurance providers that prioritize transparency, efficiency, and customer care.
A Word of Caution to Other Pet Owners:
While this was my personal experience, I encourage others to carefully review the company’s claims process and policies before making a decision. Based on my interactions, I felt unsupported and unclear about the handling of my claim. Pet insurance is meant to provide peace of mind during stressful times, and I hope MetLife will take steps to improve its processes in the future.
I hope sharing my experience will encourage other pet owners to be vigilant and help MetLife reflect on areas for improvement.
I have two middle-aged dogs. One is on several medicines that are covered by MetLife. (Unlike many of my human meds) one of my dogs needed a knee surgery this year that was $4200. Right at Christmas time. I submitted the claim Monday and MetLife had 80% of the cost of the surgery in my bank account on Friday. ( better than human insurance)
I’ve always found it very simple to fill out their submission forms and have been very happy with MetLife overall., I don’t think I’ll ever own a dog again without pet insurance and will most certainly go to Met life because of my recent experience .
1
out of 5
POSTED:
| BY: Elizabeth Dickinson
Reimbursement delayed
The first claim I submitted will require a month to process. When I submitted the claim, the acknowledgement stated 5-10 days. And then after following up, I was required to provide documentation delaying the claims even longer. It has been 20 days since the first claim was submitted. I will follow up again. Needless to say, I’m researching other insurance options.
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!