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We first signed up with MetLife on December 29, 2022, for a pet insurance policy with 100% coverage and a $200 annual deductible. The monthly premium was quoted at $65.36. Our dog, a Great Dane mix, had just turned one on October 31, 2022, and had no pre-existing conditions at the time. When it came time to renew the policy on December 29, 2023, the coverage remained the same, but the premium increased to $90.30/month — a 38% hike. When I reached out to MetLife, I was told the increase was due to rising veterinary costs in our area. We accepted the new rate and moved on. However, on November 23, 2024, I received an email stating our policy would renew again on December 29, 2024 — this time with a new premium of $182.20/month. That’s a 100.17% increase from the $90.30/month we were paying just one year ago! I called MetLife on November 24, 2024, to ask about the drastic rate hike. I spoke to two representatives. The first couldn’t explain which factor contributed to the 100.17% increase, while the second claimed the hike was due to our dog’s age — he turned 3 years old on October 31, 2024. They also mentioned that location and breed could affect rates, but neither could provide specific details on how these factors applied to our situation. In the end, the decision is yours, but based on these facts, I would not recommend MetLife dog insurance to anyone!

I wasn't a policy holder for very long, but I must say that I was quite impressed with Pets Best when it came down to claims, explanation of benefits, and being every bit what I would expect an insurance company to be. My dog became ill suddenly - it was barely seven days time from the noticing she wasn't eating much to holding her while she drew her last breath. I was devastated - we didn't know what was wrong with her and her health declined so rapidly that we couldn't even run the testing needed to determine the problem without killing her…that feeling of utter despair of seeing her in need and not knowing what was wrong coupled with not being able to do anything about it is something I hope no one ever has to experience. So as one could imagine, I wasn't looking forward to having to deal with the claims and handling the insurance, but Pet's Best made it hassle-free. I used the app and uploaded my documents for four claims in less than an hour without having to speak or explain anything to aynone. I received an email confirmation for each one when it was received the next day, and was notified again a few days later by a message confirming that Pet's Best had all that they needed from me to proceed. The piece of mind this provided me was priceless and I really appreciated the communication with them - straight forward, not complicated.or time consuming - I even received an email within 5-6 days apologizing for the time it was taking to process the four claims, which was helpful again in managing the stress of having drained our savings in our futile attempt to help our friend. I had even forgotten to cancel the policy and didn't realize it until I had been charged for the third month, and all it took was a 45 second conversation with an Pet's Best customer service rep to have my policy cancelled, my payment refunded, and the previous month's payment pro-rated and also returned. It has been two weeks today, and I just received the email this morning that my claims are finished and telling me when I should receive my payment. Thank you for making it easy to be a customer! When the time is right and an addition to the family is made, I will be using Pet's Best again."

"We have a 3yr old shih tzu who had digestive/gastrointestinal problems, dehydration, and pneumonia. We intially took him to Thrive Pet Emergency but he was transferred to Blue Pearl Animal Hospital, San Antonio in Crital Care Condition. We paid for his care and filed a claim with Pet's Best Insurance. The claim process was very simple. Duke's Claim was processed in a timely manner. Thank you Pet's Best. I have recommended your insurance to every pet owner I come in contact with.👌 "

My dog started limping and took him in and it was determined after several vet and specialty vet visits, that he need surgery for a torn ACL. Pets Best processed the claim with no questions, just an itemized invoice. 2 months later, he started limping on his other leg. Yes, another torn ACL. I was worried that the insurance would not cover another claim even though it was on a different leg. But the claims process was just as easy. These are the biggest bills I've had with this dog and I'm SO glad I had insurance for peace of mind that I didn't have to worry about the costs, just the care.

I had (sadly passed recently) an 11 / 12 year old Chihuahua who had cancer. Pets Best helped me with the claims process. They did all things & sent a Sympathy card after learning my pet passed. I truly recommend this company. Just ensure to get the coverage you feel meets what you can afford. Pets Best will do the rest!

We’ve had 4 rescues and we decided in April to purchase pet insurance. We are very happy with how easy it is to submit claims. Also, everyone I have spoken with has been extremely helpful and supportive.

I can not say enough positive things about MetLife pet insurance. I did a lot of researching before purchasing insurance for my kitten. We had a pretty significant injury shortly after insurance kicked in (apparently no waiting period for emergencies). It took awhile to get approved but it was well over $1000, so I understand why it took longer to process. I wasn’t even sure it would be approved but was hoping for the best. It was approved…. Phew! We went for a kitty well visit Thursday PM and the claim was processed and approved Sat AM. So what’s not to like? They process claims quickly, customer service was top notch when I did have a question, plenty of options when choosing a plan and found it to be very decent coverage at a very decent price.

I love Pet's Best insurance! They have always paid out on our claims without much of a fight. I have been a Pets' Best policy holder for 20 years and will continue to keep my pets insured with them as long as I have animals. =)

For a healthy, young pet like mine, I need little services other than wellness checks/vaccines and meds like heartworm and flea/tick. The coverage I get from Pets Best reimburses me for some expenses but I feel there should be more coverage. I end up paying way more to have the insurance than it provides back in benefits but I understand that's just insurance. They do make it easy to file claims and communicate well about their processing of claims/payments. Just wish they covered services more fully.

This was the first claim I've had to submit as my formerly completely healthy cat was diagnosed with a heart condition. We had a pretty hefty bill from the cardiologist and I was worried it would be difficult to submit a claim but to my pleasant surprise it couldn't have been easier! I got the claims result back in less than two days and received the reimbursement in a week which was really impressive. I'm thankful there was one less thing to worry about in an already stressful time. Thanks Pets Best!