MetLife | Pet Insurance Review

Best thing I ever did. Met Life has been awesome. Answering all my questions and emails promptly. Ease of claims. Quick, fast returns!

After a horrible experience with Fetch by the DoDo, I compared companies. It seems they have a family-plan and other perks; so, after comparing Metlife with other pet Insurance companies. I have three dogs, and luckily I haven't had to make a claim.

Had problems with app at first we multiple policies they help to fix that

No complaints from me! Claims are processed faster than my medical claims! Reimbursement comes quickly as well.

UPDATE 8/27/2023: In response to my original post, MetLife “apologized” for my negative experience and suggested I reach out to them to discuss my feedback. I did so immediately and have not heard from them since. I checked my Junk mail to confirm. I can only conclude that they did not take my negative experience seriously. Again, I highly recommend anyone considering buying their insurance to think about the age of your pet and their medical record before purchasing a policy from MetLife (or any other insurance company). Ask to provide them the pet’s medical history for a declaration of what will be considered pre-existing and thus excluded in future claims. If not, go to another provider, even if it costs more. I wrote my state’s Insurance Board, my congressman, and my senator in the hopes of spurring discussion about the negative aspects of the pre-existing exclusion clauses in these policies. I hope others will do the same when their claims are denied so that the positive aspects of the ACA surrounding pre-existing conditions can extend to our pets as well. Just a suggestion, why don’t they review the pet’s medical charts during the 2 week hold period - which starts once you purchase the policy and prohibits you from filing anything other than accident claims - to identify “pre-existing” conditions, like some other carriers? Doing so would save pet owners a lot of heartache later on when the company rejects your claims. The Claims process I went through was upsetting. Each rejection letter had generic legal responses about pre-existing conditions but no reference to what vet comment, diagnosis, or treatment in the medical record led to the rejection. They took the entire 45 days they are allotted for review to send a response to my first appeal, and it took an extra 13 days to receive the letter. Meanwhile, they were continuing to charge me monthly for a policy I couldn't use. The second appeal is supposedly done by an “independent” vet, but it has to be from their approved list at a cost of $85 - $95/hr. paid for by you. While you are told that these vets are not employees or personnel on their payroll, wouldn’t it be truly independent if it’s done by a vet that neither party has a relationship with? I wasn't willing to spend more money dealing with them, so I cancelled my policy. Perhaps buying a policy with them would make sense for someone with a puppy with no medical history whatsoever.