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.

We purchased our fur baby at 8 weeks, he had blood work done by our vet and had elevated liver numbers. He came to us with insurance for 30 days, after that time I switched to Embrace because I had another dog insured with them . Our baby was never sick until over 16 months later and then had pancreatic. Embrace denied the claim because he had a history of elevated liver enzymes even though that had never made him sick. Really check what you are getting because I truely believe this was unfair. I now know there are a few great companies that only have 6 month wait on previous conditions but in my dogs case there was not any previous problems or symptoms except for slightly high liver enzymes.

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!!

i"m still waiting for completion of my claim from 10/1

You should allow insureds to specify the claim amount. I’ve had issues with adjusters misunderstanding the amount claimed in complex claims.

I have paid in 83$ a month for 5 years. My bills were over 3k and I recover 400$?

They deny 99% of claims. They always say pre-existing conditions, when they are not. When I first got the dog from the shelter, his first sickness they denied for pre-existing condition. I should have took that as a sign.

Advertisement for metlife and when you are signing up highlighted quick claim process. It doesnt say 7-10 days or longer to review & process claims. It is in the handbook very deep its not something clearly highlighted. I've waited up to 15 days for a claim to be processed. I make sure to even get SODA from vet office and submit all together and the time frame is still long. I've notice while deductible is still due claims are processed quicker as its applied toward deductible 3-5 days to process.

Like customer service, Dislike claim process, dislike time it takes to pay.

My insurance used to increase gradually each year by about 5-10%, but it recently more than doubled- from $80 to $200.