The worst pet insurance company After 3years of paying them almost 4000 They would give us only 200 on the 1200 bill We dropped them Look into Costco pet insurance much better priced and up front with what they cover

As a new customer with three dogs, I was hopeful that MetLife Pet Insurance would provide the peace of mind I was looking for, but it has proven to be a frustrating and disappointing experience. The claims process is incredibly slow, far from the efficient timeline they advertise. What they classify as an accident they claim was a Sickness for a freak accudent one of our dogs suffered. It's a significant financial strain to wait so long for money you've already spent, especially with multiple pets and the associated high vet bills. ​What's even more frustrating than the long wait times is the customer service. Each time I've called to check on a claim's status, I've been met with unhelpful information. There's no sense of genuine desire to help resolve the issue. Given the slow processing and lack of support, it's clear this company is not equipped to handle the needs of a multi-pet household. I'm actively looking for a new provider that can offer the reliable service and support that MetLife promised but failed to deliver. I highly HIGHLY recommend you look elsewhere when looking for pet insurance and don't believe some of the positive reviews about this company. Speaking honestly, we've had a negative experience with MetLife.

Useless customer service. I pay for the preventative care on top of the accident /illness. Had a claim processed just fine a couple months ago. Had to have dental for my pet due to some gum issues which should have counted. I should’ve at least gotten $100 toward a cleaning at the with the preventative coverage. Whole claim was denied outright because I couldn’t produce medical records from YEARS before I got my pet. Calling customer service just got me a headache of a man who couldn’t remember the species of my pet or my name AND kept repeating the same reasoning over and over again despite any answer I gave him. Save your time and money.

I have filed claims with this provider. They accept the premium payments but they always deny the claim. I wish I stayed with Fetch!!

Embrace finds extremely far-fetched reasons to deny claims, and fights tooth and nail against paying what they owe.

My cat was documented with an underlying condition that was not specified by my vet and they would not remove it. They're just trying to save as much money as they can and hurt consumers like myself

Most of the time, I'm happy. But... the website is clunky and makes filing claims more trouble than it needs to be. Second, they sometimes ask for more information on a claim, saying the required information is not present on the invoice submitted. When, in fact, it is. I don't know if humans or computers are missing the details, but I submit invoices in the exact same format from the same provider and they just sometimes can't find what they need. (P.S. They will not tell you exactly what they need. It's a guessing game.) When you contact them using the contact method they provide, you get no response. Wait another 10+ days and they will automatically deny your claim, meaning you get to start over. (It is also a guessing game when they deny a claim, as they just tell you to read your policy.) So, their website is sorely in need of modernization and their customer service is... well, it's piss-poor. Piss. Poor.

Would prefer to give them a negative star at this point. As someone who had Nationwide previously and was "Fortunate" (SARCASM x 100). enough to switch over to Metlife under the circumstances I wish I would have done some more research. The only reason I have stayed on this insurance plan is because if I switch to another provider anything that is currently covered under MetLife policy will be considered pre-existing under a new plan. I have only had them for 5 months now and it has been far from a good experience. They take forever to reimburse claims even if its something they have already covered previously. When you submit a claim it states that it will be processed in 5-10 days which is false. It takes anywhere from 15-30 days for a claim to be reimbursed. Their customer service is very unhelpful and very dismissive. I submitted a claim on 7/10 and got reimbursed incorrectly on 7/11 "due to a system failure." I called on 7/14 when I looked at the App and noticed the discrepancies on the reimbursement. I was told I shouldn't have even been reimbursed yet and that nobody else that submitted claims that day have been reviewed yet. She told me it would be reviewed by claims and get fixed within 3-5 days. I called back again after a few days and got some other lady who told me the same BS they tell everyone else "Claims take 5-10 business days but could take up to 30 days per our policy" couldn't give me an update just that it was sent back to claims for review. After 17 days go by I call back again and get the same BS answer above and no resolution. Mind you they have already reimbursed me previously for the same medication so why it takes this long to get reimbursed again is ridiculous. As of 8/5 I still have received no update or reimbursement on the claim. 8/8 ended up calling again as I still have received no resolution for Metlifes screw up on my claim. Talked to another gal in customer service who informed me that last 3 other times I called nothing had been pushed forward so she pushed it through. Told me its going to take 3-5 days to review again. We are on 20 days now of a unresolved claim issue due to their system. And now I have to wait again another "3-5 days." I ended up calling back and talking to a manager who pushed it through to claims and expediated the process which still took another 4 additional days, almost 25 days and I finally got my $40 dollar resolution due to their screw up.... Also, just a forewarning to anyone needing a thousands of dollars procedure done per the vet... they do not provide pre-authorizations or approvals. They expect you to go forward with the procedure, submit the claim and risk essentially not being reimbursed for that said procedure. It looks like from other reviews that I am reading it is pretty common for them to essentially make it impossible to get reimbursed for procedures that are thousands of dollars, they make an excuse not to reimburse, or take the full 30 days if not longer to reimburs

Personally I think this insurance company is horrible we pay almost $900 a year and every time we submit a claim it's a partial payment due to a deductible a partial payment due to this is all we cover a partial payment because you can't have more than one ultrasound a year it's complete bull. I would look around and I would advise people looking to check into their declaration page because if your dog has an ongoing issue and you need two ultrasounds a year they pay one which is the most ridiculous thing I've ever heard would not recommend them

I have been with Fetch Pet insurance for a few years now. I have been sick for the past few months and didn’t look at my credit card statement until yesterday and saw that my payment went up $30 a month higher than I was paying. When I called today they told me they sent me a renewal letter in April 2025 stating that in June 2025 the price will go up. I never received that email and when I look at all my emails from Fetch, there is no renewal email in April or May 2025. The representative “Ms Tammy was double talking the whole time when I tried to make sense of this mark up. My payments went up $400 a year from 2024 to 2025. I asked how could they take it upon themselves to raise $400 a year which is almost double my normal payment. I stated they have an electronic signature accepting the new price or in the alternative canceling the policy. I receive none. Ms Tammy told me that’s not how they do their program. I asked to take my credit card off the system,that I will pay monthly. Ms Tammy stated that’s not their policy. I have to have my credit card there. When I asked for proof that they sent me a letter in April2025 if the increase, Ma Tammy just sent me the letter now. It did not have an April 2025 date. First she sent me a letter for 2024 then she sent the correct letter for 2025“. When I asked her if they can adjust the three months and then I’ll change the policy to make it lower since I am on a fixed income, Ms Tammy said no ,they cannot do it. There’s no refund for those three months. I canceled the policy Ms Tammy wanted to make me feel cornered staying that my dog will not get treated for her pre. Existing condition by any other Policy except them. Ms Tammy tried to get me to switch to a different option in their policies. I told her that’s fine but no. She tried to scare tactics with me that did not work. I told her that I was going to the Better Business Bureau and to NYS agency that governs pet insurance, but we can avoid all that if I get the $30 a month increase for the three months back into my credit card, she declined. My review for you pet owners: if you want a company that’s transparent with how you get billed. This is not the company. I don’t know how they stay in business, but they’re not transparent at all and they always find a way not to pay a claim. If anyone has any questions, they can email me through this site and ask them to forward your email. I’ll be more specific if needed. Rosa , Ny 10309