MetLife | Pet Insurance Review

3.9

out of 5

Number of reviews 690

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.
5

out of 5

POSTED: | BY: Michele Schmidt

Easy to place a claim

I'm a first time Pet Insurance owner. After many dogs and lots of medical bills the coverage MetLife offered met all my needs at a great price point. With MetLife, the claim process was easy to use - the customer service reps were so helpful and caring, and the payout process was seamless. I'd recommend to all pet owners out there!
5

out of 5

VETERINARIAN: Dearing Veterinary Clinic

POSTED: | BY: Mona Hardin

MetLife Pet Insurance

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????
1

out of 5

POSTED: | BY: Monika Niewiadomska Schulkins

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.
5

out of 5

VETERINARIAN: Redstone Animal Hospital

POSTED: | BY: Gena Groy

Thankful for MetLife!

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 .

Monthly Cost

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

Exclusions

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!

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