MetLife | Pet Insurance Review

This company is awful. They deny claims and say undiagnosed conditions are pre-existing conditions. FRAUD!

Very pleased with this insurance. We have had health issues with our puppy since we got him at 4 months and MetLife has been excellent with paying almost all of our claims in a timely manner. I have had to provide some additional information from our vet on occasion but now I know what to ask for before we leave the vets office. I am also just learning about the 60 to 90 day rule about submitting a claim which they do not make you aware of up front. Otherwise pleased with overall service and would recommend this insurance.

I had met life for over a year and insured my 4 cats under them. In that one year I went to file a single claim for $148 for my cat who had an eye infection. My vet is amazing and this is not a review on my vet they are amazing. They gave me the typical sheet that they print out with all the costs and breakdown of the treatment. I took a picture and uploaded it to met life. They denied my claim stating they need a doctor's written notes on them, which the vet office has never heard of. The chart was very straight forward they examined my cat's eye, did a stain to check for scratches, and gave me antibiotics. I tried re-uploading it, denied again. The vet office does not have any other paperwork to give me then what they gave me. Will never use this again, I was paying over $120 a month to keep this pet insurance and have a good deductible and am completely over it.

I am incredibly disappointed with MetLife’s pet insurance service, particularly their customer service and claims process. I attempted to file a claim for my cat, providing all requested documents, but their app repeatedly flagged missing information, delaying my claim without clear guidance. When I contacted customer support to clarify, I was told I needed a “benefit document” from my previous pet insurance provider. This requirement is unreasonable and poorly communicated for several reasons: I am no longer a customer of my previous insurer, making it extremely difficult to obtain such documents. MetLife never mentioned this requirement when I switched to their policy, leaving me blindsided. If MetLife were my first pet insurance provider, would I be unable to file a claim simply because I lack a prior insurer? This policy feels designed to obstruct claims. The customer service team offered no solutions, and their app is frustratingly unreliable. This experience has been the worst I’ve encountered with any insurance provider. MetLife’s lack of transparency and poor treatment of customers has left me deeply dissatisfied. I will not use any MetLife products again and strongly caution others against choosing their pet insurance.

Horrible. They take their time to process your claim. Customer Support doesn't care or help with your claim. They clearly offer 5 to 10 days to process claims but somewhere withing your policy it says 30 days, where you can't see it. To me they offer time frame that they are not in compliance with. Submitted my claim on 4/2/2025.