MetLife | Pet Insurance Review

I have two dogs, one with severe allergies. MetLife makes it SUPER EASY to submit claims. I never need to track, follow up or worry about coverage. One less thing "to follow up on" is fantastic.

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.

I recently had to cancel my insurance policy within 24 hours, and I was charged a $12 enrollment fee. Dianna, a manager from MetLife Pet Insurance, mentioned that while they will refund the premium, the $12 enrollment fee is non-refundable and isn’t included in the premium. Just a friendly heads-up for fellow pet owners!

Bunch of crooks. Called to cancel right away after accidentally adding their insurance plan when adopting my cat. Was told I'd receive a refund. Two months later and still nothing.

Absolutely everything is a "pre-existing condition" even a tummy upset aka colitis. Wouldn't even apply the vet bill toward our annual deductible. This is the worst experience. You think you're doing the best for your pet and all you get is SCREWED.