I would give negative stars if I could. The absolute WORST!!!! DONT WASTE YOUR MONEY!! My mother purchased a policy for puppies. Within less than 60 days afterwards, my mother passed away at the end of March. It took until June to finally gain access and for MetLife to grant me the authority to her account to get the policy transferred to my name so that I could submit claims for services provided for the puppies. The process of submitting claims is not easy. You will need to be sure that your veterinarian gives thorough soap notes as well as an itemized invoice in order to file claims. So if your veterinarian is difficult to work with in this process it will indeed it affect your ability to get reimbursed for the claims. Metlife was far from easy to work with took forever to get me on the policy and then ended up denying the claims because it had gone over the time to submit claims. How convenient for them? When the policy itself states that I should have had the authority to act on my mother's behalf. The claims were still denied regardless of my situation. I would NEVER recommend MetLife Pet insurance. My mother was elderly. Even if she didn't pass away and tried to do this on her own it would have been very difficult and confusing for her to accomplish. She would have most likely just thrown her hands in the air and given up. When you log into your account there's very limited information. There's zero history regarding payment history, communication history, message history, etc. It's very basic. It makes communication with them complicated and confusing. 👎🏼👎🏼

For Pet insurance- The lemonade app is easy to use and easy to submit claims however, from my experience they find ways to deny coverage for almost everything. It was not worth spending the amount I did spend on insurance.

It was easy to choose the plan but still now I didn’t receive an approval.

Trupanion used to be a great company, but over the last couple of years, it’s completely changed, and not for the better. I would go as far as saying this company seems like a total scam these days.

I insured my pet through FIGO when it came time for a claim FIGO did everything they could to discount the claim including asking for the same records over and over again. If you want the false feeling of doing the right thing throw your money away with FIGO! Remember this is an insurance company looking out for profits not you or your pets best interests.

I have a young cat, premium went up after one small claim. 1 bout of diarrhea they make anything to do with the stomach exempt.

I never received the prescription eyewash only the over the counter wash. . Even after contacting them several times. Did not get refund for it . Did not get refunded the expedited shipping . Had to take my pet the vet after waiting several days for the medicine they never sent

Tried enrolling my dog in the Trupanion contest but the website didn’t work. Contest probably fixed!

I’ve been using lemonade for years for ease of things through the app. But their customer support and claim process is horrible. If you have no issue they’re easy, if you do they are horrific. Go else where immediately.

I have had pet insurance for a long time, my dog finally needed to use it after years and my claim was $3,200. The insurance covered less than half of the claim. With all the money I have put into the insurance I could've paid for the whole surgery instead of paying for pet insurance.