MetLife | Pet Insurance Review

I bought a puppy from parade and along with my purchase was an offer for 1 month free at metlife pet insurance company, I called and discussed the options they had and decided to purchase their plan and I chose to pay for a full year, in doing that my free month actually became a paid month,no big deal Here is where I am not happy with them,,While talking to sales guy he charges monthly of 75 dollars on my card I correct him and we do the charge for 1 year 724 00 with discount added in he assured me that I would be refunded the 75 00 promptly, of course I gave them the ok no problem ,Alomst 1 month later I get my bank statement NO refund I call to find out why , I get the run around and one person tells me that I would not get back my 75 because of an enrollment fee I would get back 65 ,I'm not happy about this so I get handed to another person to tell me that it is a 12 dollar enrollment fee so now it's 63 for refund NOT happy about this fantom fee I get to the whatever stage and tell them to just send my refund, Three weeks go by and I call my bank to see if they did send my refund NO so I call again but now I do not want to deal with this company so I canceled my policy completely but they are still keeping the enrollment fee WHAT the person I was talking to gave me her honest most convincing word that I would be contacted by her on Wednesday 4/12 and again I find I cannot trust this company for the care of my dog and his wellness One thing I forgot to throw in here us that I was contacted by a manager I think I never heard back from her either update. I FINALLY received my 63 dollars and guess what out of 724 dollars I paid they went and prorated for two months of their service This just goes to show you not to deal with this company they will steal from you also the reply from them is a standard reply,They have all my info but they are wrong on this one so they won't contact me I called and asked for a supervisor and they wouldn't talk to me ,do yourself and your pet a favor dontcuse this company

Top notch and very caring company. Surpasses any other insurances out there. We plan on staying with you for the life time of our pups and with any future additions. BRAVO!!

I’ve carried insurance on my Shih Tzus for approximately 8 years. I’ve never used it, but always felt secure it was there if needed. As they got older and the premium slowly increased, I’ll admit, I wondered if it was economical. Then it happened. One of my Shih Tzus developed cancer and needed chemotherapy. It has been so easy filing claims, and they’ve been so helpful answering questions. I can’t recommend MetLife high enough.

When claims are covered and you established your first claim (sending medical records for the previous year) they're great. Process is easy and you get your money fast. The issue is when there are problems, you need to call several departments, seems like no one reads the previous notes. I had a claim put on hold because they needed my dog's med records. My vet faxed them 3 times and they said they never got it. I had to drive over, had them print it, then email it to metlife. After all that, they claimed he had a pre-existing condition when the vet clearly stated he did not know the cause of the issue. I was told by an agent to submit an appeal, I did not need a veteran's signature for this issue. I got mail a month later that I needed the signature and that I used up 1 of 2 attempts at an appeal (which was not told to me earlier). I have since moved and I am not driving back to another city just to get this signature and was furious this was relayed by mail and not telephone or email. That said, if you work with the right person via customer service, they do help push your case to the claims department and try to help. The issue is this doesn't always work and you don't always get a response and everyone is confused or late on the information. They are supposed to cover vet visit costs (office fee), but because one diagnosis was pre-existing they refused to pay when all the other reasons for my visit were covered. Also, the pre-existing issue did not need a veterinarian so that fee should not have even been paired with the visit. Furthermore, the app shows you claim # but doesn't tell you which claim it was for or what the diagnosis was so it's difficult to track down what claim you want to look at. Overall it's great and fast when it works and the claim is covered. But when there are issues or problems, good luck with getting it fixed if at all.

My 13 year old dog. Sandy became sick one night, vet found a tumor, tried surgery, but cancer had spread to far,had to euthanize. Insurance paid 60% of everything, including cremation. Very nice empathetic people.