MetLife | Pet Insurance Review

Easy to submit and great communication during claims. They were so kind. Our guy ended up passing away with bone cancer and they were so compassionate. Quick response and payout for all claims. No hassle, great service. We have had 3 policies and no compalints only excellent service.

I received this generic reply from Metlife 'Hello, Maurizio. We are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further regarding your experience. Please email us directly, with your contact information, at ..... and a team member will reach out to you directly. Thank you.' When I contacted Metlife they gave me an email to the CEO. I can't believe this a joke over $12?

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too. It’s incredibly frustrating to have to jump through so many hoops when there’s no diagnosis or prior condition. We even submitted records that showed Emmie has a clean and shiny coat, and nothing was ever diagnosed. I’m now working on my second appeal, but I shouldn’t have to do this. It feels like they are looking for any reason to deny claims, and it’s making me seriously consider canceling the policy. I should be able to trust that the insurance I’m paying for will be there when I need it, but that has not been the case. I do not recommend this insurance company based on my experience.

I have two dogs, one with severe allergies. MetLife makes it SUPER EASY to submit claims. I never need to track, follow up or worry about coverage. One less thing "to follow up on" is fantastic.

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.