MetLife | Pet Insurance Review

It has been a horrible experience. I had purchased wellness with Inc coverage. All annual shots or doctor visits aren't covered until you meet the deductible. The experience and service has also be terrible. I have tried submitting multiple claim even meeting the deductible and they will not pay a cent back. I keep on getting that they don't have enough information. I have submitted multiple SOAPs (doctors notes) on the visits and it is still not enough. For the cost of insurance, I could have paid my vet bill 3 times over. It is not worth the cost. They don't answer their phones. When they do, they just say submit more information which never seems enough to get payment. So, the cost I have paid and the vet bills just aren't worth it. I strongly recommend that you don't use MetLIfe Pet insurance.

They killed my dog together with Negligent Vets. After my son took out insurance for my Furson. Effective date 2/18/24 and was seen on the 22nd .My World my life my Soul 💔😭💜🥀🖤 My everything. He did not deserve this. He was a blessing sent by God to me, no one will ever understand . He Rescued me. Mommies baby 💜😭💜🖤🥀.. We took him in after affective date. I submitted all direly and after constant calling for updates they denied claim claiming it was Preexisting when the lungs 🫁 were not the issue. They lured me as entertained me to have the Vet in which I saw (4) yrs ago correct the wording or Mgr. he no longer worked there so Mgr did what was requested as given okay by Hospital Owner. They came back saying the appeal cannot be done by a Mgr, it had to be done by a Vet. They gave me a hard time my furson being ill and needed followup Priority in which cost me more. I filed a complaint with the Dept of Finance. Having all Evidence. And if it were not bad enough I’m grieving till this day as all stripped a part of me. Days after he pass I get an email of them lying. Saying I took him to E/R due to lungs. I rebuttaled but said money will not bring me back my furson being ill. I got higher in debt as I feared submitting claims during investigation therefore maxing out. Having to request Donations a minimum in which that as well was milked.awaiting on Close to $900 that would have helped me and this dragged till after his Death 7/28/24. You all destroyed me Mentally ~Emotionally as Physically. I suffer from PTSD~Stress as Anxiety as Depression the unexpected way he left me as I was unaware his little body was slowly being Poisoned From March having taken him to another Veterinarian in which they refused to help appeal knowing it was not his lungs as they were “ Normal”. Yet had labored breathing due to pain. Pain I was unaware it was due to unaddressed diagnosis since March. 4 Months with never providing Antibiotics due to their negligence. He was not supposed to Die. Both failed him. I resulted in doing Holistic’s for his treatment till I can bring down debt. He passed away from an unaddressed Chronic infection on gums Vet never informed nor provided Antibiotics. As just as you could careless knowing his situation as health Status could have worked with me on a payment plan as he needed Labwork as Diagnostics done. America! We must wakeup . Our furbabies are dying as they are being used as a Business and Assets by Both. It’s time to dismantle these Corrupt Fraudulent ~Scamming Insurances as Greedy Vets. Start advocating for change . Healthcare with Preexisting as all included, just as we Humans. If those of us who have no Insurance have an Emergency 🚨 whether Admitted or not there is Something called Charity which pays if off and will help in many cases get you Healthcare.. If you need to go to a clinic and resorts in having Diagnostics as bloodwork done, they put you in a Sliding Scale. The government better wise up. Their lives matter and it’s up to us America 🇺🇸 to make Drastic changes as much more has to come and I will advocate for my baby till my last Breath. It takes a Village.. . Their lives matter. He was more than my ESA. He was my Furson.. Our furbabies are treated as “Property” that too shall change . They are Family, our furbabies. This is not healthcare, it’s as if you are paying Car Insurance or Mortgage. You do not pay all upfront with Healthcare. Scam. MetLife as last Vet has blood on their Hands and if your Conscious does not kill, the 500 degree dungeon will.. . You all have sold your souls Lucifer’s Children. He was only 9 1/2.

At, first I didn't understand how to make a claim. Customer service walked me through the process. Now, it takes no time. Last, the only thing that would make the process easier is if my animal clinic did the claim instead of me. I would like to address the process of the claims. Those who think the process is too long; never worked in the medical field before. I think the process is faster than human medical claims and only because I have worked in the medical field and did claims before. So, keep up the good work. For those who claim is too slow. Try creating your account online and make your claims that way. It is faster than any other way.

I have had to do two claims now for my cat and both times they were very helpful, professional and courteous. I was able to get my claim in and processed very fast and when a small issue came up, I was able to call them and get it taken care of right away with the same great customer service that I have experienced with them before. They are very personable, and I have had nothing but great experiences with them. I am very happy to have MetLife as my pet insurance. I have recommended some of my friends to them also.

I have been impressed with MetLife pet insurance. I have two cats on Pets Best and one cat on MetLife. I would give a high rating to both. The only thing Pets Best has that MetLife does not, is the opportunity to have them call the vet clinic and pay my bill for me (only available to veterinary employees). Other than that, MetLife has been fantastic at getting my claims done FAST. I adopted a cat who was at the vet weekly getting various treatment for months, including a CT. Thousands of dollars!! MetLife was on it! No hassle and quick response always. They reimbursed me a percentage for everything. I have found that Pets Best is slow in their response to me with previous claims and MetLife is way faster so far. MetLife is a couple dollars more a month than Pets Best but so far it is worth it. I would recommend either insurance in general.