MetLife | Pet Insurance Review

I have called them a couple times during this past year with questions about claims and both times was met with courteous, knowledgeable and professional customer service!

I have 3 cats (1 old and 2 middle-aged) and every one of my claims experiences with MetLife Pet has been easy: there is acknowledgement and follow-up, documentation is clear and understandable, and every interaction is timely, professional, and courteous. If I had 1/2 this level of service from my own medical insurer, I would be thrilled. What does and doesn't get paid, is clear, and clearly reflects the policy terms for which is signed up.

My animals are very important. The first time I ever got insurance was through MetLife because I trusted the name. I made it abundantly clear the coverage I wanted. I made the mistake of trusting the MetLife agent to give me what I needed. I ended up with a policy that only covered $2000 which is nothing. If I knew that was the limit of the coverage, I never would have taken the policy because it was definitely not what I asked for. After my dog passed, I was advised I had a death benefit. So, I put the claim in, only to find out it got denied because I reached my $2000 limit, of which they only pay 90% so the actually limit is $1800. My premiums were more than that. Horrible coverage and will never go back.

We purchased what I designed to be "catastrophic" coverage for a young bully breed family member - 2500 ded., 90% unlimited afterward - for a very reasonable price. One ER visit and an allergy diagnosis later, we have exceeded the deductible and are receiving reimbursement. The claims upload process is easy, and our claims have been processed quickly, including a claim for boarding while his Mom was hospitalized and coverage for expensive hydrolyzed prescription food. Any questions/concerns we've had have been resolved by their customer reps, who are available 7 days a week. Getting coverage when our dog was young (7 months) avoided issues with preexisting conditions, as he had none at the time we purchased the policy (as documented in his adoption and wellness care vet notes). And I'm old enough to remember: "Get Met - It Pays" :-)

Horrible experience - pet lovers beware! MetLife is a grift and a scam. After drawing out the claims review process as long as possible, I was given ZERO coverage for multiple claims which, per my policy, are very clearly within coverage. Getting a hold of anyone useful is impossible, you only get bounced around from one customer service agent to another; all of whom are clueless and capable only of reading you your policy. A clear case of corporate greed; it has become obvious to me that in order to get my claim paid I will likely have to pursue litigation. Of course they count on you not doing that, on being able to screw over the little guys who don't have the time or resources to push for a fair outcome. Shame on MetLife. Can't imagine the cognitive dissonance required of the staff there. Such a perversion of what should be a critical resource to its paying customers. Stay far away and disregard replies from MetLife in the reviews here! They aren't actually helping these people out in any way - it is performative to assuage your doubts enough to buy into their grift. Don't be fooled.