MetLife | Pet Insurance Review

Metlife Pet Ins is out for one thing, make big money! Denying claims is what their employees are trained to do and upsetting their customers to the point of making them cry! Shame on you Metlife! I have already talked with three different agents about my claim and have gotten no where. Our dog was just diagnosed by our vet with a luxating patella. The last agent I talked with basically told me they are trying to say it is preexisting and we have been insured with you for 16 months! Preexisting? Really? They are trying to bury us in paperwork so we will just give up like we did with the first claim that they denied. Shame on me for thinking that you were going to be a trustworthy company.

MetLife denied my claim for vet recommended testing costing $2488 for my new rescue dog. MetLife sent me a short note saying my dog's issue was pre-existing based on notes prior to my taking in the rescue. I had received no information on the dog, purchased MetLife before my first vet visit but they found information from the previous owner's vet (that I did not have when I purchased the insurance) and refused my claim.

I rescued another dog in 2024. Received no information so purchased MetLife Pet Insurance before any vet visits. Visits went to my deductible. My vet received vet notes from prior owner and I submitted everything. My vet recommended tests for an issue that cost $2488. MetLife let me pay down on my deductible but when this would go into reimbursement, MetLife denied the claim saying "pre-existing". They can, and will, claim anything expensive as pre-existing in order to not pay out.

Metlife seemed promising at first, but our girl had an ER trip in December. Once a claim is submitted, Metlife estimates up to 5-10 days to process. When more than 10 days had passed, I called to check in on the status. I was then told processing times were running more like 15-20 days. When I mentioned that they estimate 5-10 days, customer service said that this had been brought to her attention, but the wait would still be more like 15-20. I asked if this lengthy processing time is what should be expected moving forward, but the woman seemed a little annoyed by my inquiry~ really though, I DO want to know because if this is what it's going to look like moving forward, then I want to switch companies!!!

Can’t say enough good things about the exceptional customer service, the ease of filing claims, the quick response time, and the coverage. Thank you very much!