I have been paying monthly for pet insurance and every time I turn in a vet bill, they argue and don't reimburse as they're supposed to. I'm so upset right now because they have been taking my money every month, but they do not reimburse you! My vet has repeatedly sent them everything they needed, and even talked to them on the phone (8 times). They just kept finding every excuse to not pay. I do not recommend them! There's much better pet insurance out there. Met pet insurance, is a joke!! They owe me over $1,600.00.

I submitted a claim that clearly stated the reason was Ear infection. Someone decided it was Environmental Allergy and denied it. I chatted online and he said send SOAP notes, which I did. Denied again and, per phone call, now they say it was denied due to a Preexisting condition. I've had insurance with them for more than a year. Are they saying she's had an ear infection that long? Really? Now I have to jump through hoops to appeal?? Unbelievable!!

....but not so much anymore. I've had Pet's Best exclusively for my Keeshond since he was a puppy (10 yrs.). The service prior to Covid was stellar. After Covid it's gone down hill. Model changes, price changes, slow claims processes and generally it seems like another company totally. I have even sent referrals to them prior to Covid, but I won't anymore. If my pup wasn't 10, I'd find another provider, but I can say, I will not be utilizing Pet's Best in the future with any future pets. I'm so disappointed.

Not worth paying so much for when you don’t fully reimburse for the standard issues that happen multiple times a year or when we provide medical notes that say why our pet needs medication or procedures. Ie getting fecal test when our pet had diarrhea for a week wasn’t covered because they already had a fecal test this year.

We will be stopping our insurance. The copay is $250 and our rates for the dogs have doubled. Financially it just doesn’t make sense.

We've had met life for the entirety of one of our pups life. We got it the day we got him. You would think that given the fact that we've made claims for every vet visit and all his issues for the last 2 years, they would have all records on file and payouts would be pretty prompt - within the 3-5 day window that's advertised. But no. In the last year I would say only 1-2 claims here and there are within that window. Most are drug out for 10 days or more. And when emergencies come up and we drain our account for it, time is everything hence the reason for insurance to help with these costs. But they keep us in a bind by dragging out the payment. They say they need documents from the vet, but I've uploaded every receipt and soap note he's ever got, yet every time "more information is needed". Now that being said, they have been good about actually paying claims without a bunch of run around. Customer service is generally nice - minus some issues when a dog died, and we rescued another dog. It seems there is a big lack of communication. Take it from me. If you find yourself in a situation where a dog passes, remove them from your policy after the end of life claim. Make sure they are off the policy before adding a new dog. It will save you so much headache. In short. Payment speed and training seems to be the biggest flaws. And for reference the first year we had them we never waited more than the advertised 3-5 days for reimbursement. We didnt change the documents we uploaded or the vets we used (we use the same 2 offices for everything). Met life has just chosen to slow down on the reimbursement for some reason. They also don't tell you why the claim is drug out unless you call in - in which they always say more information needed from the vet.

Hard to navigate website. Should have a section for “other” so that clients can better explain why they are submitting a claim as some of the listed reason’s doesn’t seem to apply. Customer Service Rep was great however, the explanation given for questions asked didn’t really make sense when requesting mental information 2 years ago, when a claim for submitted/paid and that information wasn’t required.

Requesting a claim is easy. However, they don't let you submit the medical records from your vet. They email your vet and CC you. My vet submitted medical records for 2 dates. They only approved the 1st one. They continue to email the 2nd one. I have emailed them, uploaded my document myself and messaged them. They continue to email my vet and say it will be on "hold." It is a lot of work on your end to submit a claim.

Frustrating process to receive claims. They have yet to refund my claims and it's been over 4 months.

I would not recommend trusting this company with your pets. I have successfully filed claims with this company, although they rarely reimbursed the rate that I was charged. This year my premium more than tripled to $255 a month after being a customer for nine years. I received an email that my rate may be increasing, but I had to dig into the website to find any dollar amount by that point it was too late. Again, I would not recommend trusting this company with your pets.