Trash! Fraud! Do NOT do business with them. They deny most claims for bs reasons. Our cat has been getting colds this year and they are claiming pre existing conditions because we made a comment to the vet about labored breathing a year prior. They look for any reason to deny your claims. We were covered by ManyPets before and they approved the same claims they are denying. They said they would continue coverage since we got defaulted to their company when they went out of business. After being denied a thousand dollars in claims, we are switching. Good riddance!

Vet should be one to send in claims. Many claims sent in by me get denied when i pay a lot of money.

My claims are not being processed in a timely manner. A couple have been overlooked and when I follow up on the status I am unable to get an answer.

I started this policy through group insurance. My dog just had puppies today 10/09/2025 and I kept requesting for telehealth visit or chat about a NICU puppy and we needed advice to save his life being that I have no vehicle anymore . My chat kept closing after waiting about 5 minutes to even chat on multiple tries and I lost my puppy . So , thanks a lot MetLife . You guys surely know how to NOT to give HELP & COVERAGE when needed!

I have been working with you guys to get a claim paid for over a month now. Everytime you requested additional information, I responded with that information far within the allotted time given, yet you still denied the claim for not responding to your request. So Frustrating. Now over a month later I am still trying to get the claim reviewed. Not the best experience.

This is borderline a scam -- the insurance portion is alright, but cancelling is a nightmare. The sales rep will do everything in their power to keep you on the insurance. I finally was able to cancel, only to have them reenroll me in another policy a year later? Customer service is pretty much nonexistent or during extremely inconvenient hours (for someone not on the east coast) and there's no way of getting in touch other than reaching out over phone (and being put on hold). Do not recommend, insure your pet with a more reliable and customer friendly insurance like MetLife instead.

my experiences during the year I was covered with MetLife were OK, while there was much bureaucracy getting things set up, claims went smoothly once all the required materials were submitted. My complaint and reason for a two star rating is a doubling of the cost of my policy from year one to year two. I did not have excessive claims, and there was no reason for this. I had to drop my coverage and move elsewhere and I’m very displeased as a result

Consistently denies the same claim I submit every two months and requires following up with their terrible customer service multiple times.

Don't know as I sent in claims. We'll see. Not crazy about having to get claims in with in a year even as you're still working on dog issue. I'm still paying so why not take care of claim. I've paid for it.

Excellent customer service. Although I have not needed to use insurance I feel I have the right plan for my baby. Customer service representative explained my plan and any add on details if needed. Will definitely recommend.