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I seen the ads all over GOOGLE for a pet insurance that paid up front. I would have never bought this insurance had I knew they were going to do this. My dog is old and I told them that and they charged me over $270.18 and never told me of a waiting period either. Said they would pay my vet directly. My vet was listed on their page and that made me do it. My dog had a bump on her chest and I took her to the vet. Costing me over $700 for the visit. I had to pay up front and submit the claim. I was a little upset. So I went back on line and called all the vets that Trupanion said they took their insurance. It was like ALL the other insurance companies except a lot more expensive but my dog deserved it. I called them and told them that. They said just submit the claim. Online they said that 70% of claims are paid within 24 hours. When 3 days past I started to get suspicious. I took my dog in for a followup and the bump imploded and had to have immediate surgery. That's another $450. Then today 2 days after her surgery Trupanion DENIED my claim. They lied and scammed my for the huge money and I could have went with several other companies, a lot cheaper who would have paid the claim after reimbursement. All their emails and all their ads were dishonest and I want my money back. All of it because of this. This company not only said it would work with me on my claim but denied it a second time even when my vet said it was not pre-existing so there's nothing Trupanion can say they are crooked. If you don't believe me, GOOGLE THEM and LOOK them up on BBB. Thousands of complaints with their pathetic sorry for the problem, but we are still keeping your money and you get nothing. NEVER USE THEM

We have had Met Life for 8 months now for our dog. She just turned a year old, everything that she has needed(shots, heartworm and vet visits) has been taken care of ( after deductible) by Met Life. We have had no problems and they are promt ,professional and fast. Thanks

We have a cat who tends to be more pukey and for about two days straight we thought he was trying to cough up a hairball, well when we realized that he started gagging more and more frequently with nothing coming out, we got very worried. We thought he had swallowed something he shouldn't have and something may have been stuck. Given we already had lost time, and our vet couldn't take him for another two days, we went to the emergency vet. Long story short and $5300 later... we were so financially stressed and worried, PetsBest covered EXACTLY what they had promised per our policy with no questions asked and claims process was so easy. WE ARE SO THANKFUL to Pets Best!!

I took my dog in for his yearly shots, nothing was covered. But because he had a limp, and the vet consulted me with that and we decided to address it (pano, aka GROWING PAINS) MY WHOLE CLAIM got denied. Pretty messed up for an almost 70$ payment a month, when life is already kicking me in my (non existent) ba lls. I'm very disappointed in the last 4 months I've been purchasing pets best service, and I have a very large social media group, a lot with DOGS, I will highly not recommend if this is not made right. I'm a very angry customer.

MetLife pet insurance is the worst. It takes forever to get paid on a claim. As soon as i get my money back I will be finding another pet insurance co. Their customer service is lacking, and it takes FOREVER for them to answer the phone. On two separate instances they have misplaced our claim and had to start all over. What's the most important thing about a pet insurance company? Reimbursement. They should be ashamed of themselves for taking almost 6 weeks to pay a $650.00 claim. Never again. NEVER AGAIN!!! They sure have the part about withdrawing from your bank account every month down to perfection.

They have handled all our claims pretty efficiently, and reimbursement came pretty quickly. When I have contacted them by phone they were always helpful and courteous. It is expensive, but I think all the companies are.

I did extensive research before selecting pet insurance. My pup usually needs an annual teeth cleaning, which is rather expensive, so I was looking for something that provides worthwhile coverage and helps offset that expense. Metlife was the only one that did. When looking at pet insurance options, I generally found three options. - Option A: Basic pet insurance with no preventative care. This is the cheapest option, but the most limited coverage. It mainly only kicks in to cover emergency visits, treatments, and medications. - Option B: Most providers offer some kind of upgraded plan that includes "preventative care". This is what I was looking for. But everywhere else, these policies had so many exclusions that it felt like it was carving out half of what I'd want covered. Some specifically excluded dental care, others excluded routine veterinary care. The most consistent thing this covered was flea/tick/heartworm medication. - Option C: Metlife was the best of both worlds. On the upgraded "preventative care" plan, they say they cover anything recommended by your veterinarian to care for your pet. And they mean it! They've covered her regular preventative meds, her teeth cleaning, prescription diet, and more. The only thing they don't cover is pre-existing conditions. I see a few negative reviews about them not covering things that the client didn't provide documentation for...personally, I've never had that problem. I generally submit my documentation as soon as I get it from my vet. It takes a week or two to process, but they've never refused to pay a claim that I've documented. Hold up your end of the deal and Metlife will hold up theirs. I have friends with pet insurance or similar plans and I've never heard anyone describe their coverage as so great. It's a little bit expensive, sure, but after everything they cover, I pretty much break even every time. I might even save money. I'm so happy I found Metlife, and unless things change, I'll likely keep my policy with them for as long as I have a pet.

We are very satisfied with our choice for insuring our two dogs, Healthy Paws. We had choices of coverage and premiums. We never thought we would need insurance as much as we have. Healthy Paws is easy to use and submit claims. Claims are reviewed and paid at a reasonable, speedy rate. Customer service has always been a pleasure to work with.

Denied my claim when the vet recommended the treatment. Don't waste your time with met life pet.

Unexpected pet emergencies happen, and there's no better feeling than knowing you are part of a network that has you covered when you need help most. Our sweet Ollie was suddenly unable to relieve himself one afternoon, which required immediate action! We rushed him to the pet hospital, and thanks to Healthy Paws, were able to get him the BEST care possible, on the spot. It is so relieving as a pet parent to know that someone has your back, allowing you to bypass less thorough solutions and afford the best treatment options available for your little furball. No questions asked, just send over the required documentation and your reimbursement check will arrive within a few days!