We still have a claim from April for a puppy spay. We did not get all the money back e have coming to us. We called and spoke with CS numerous times, but it is still there over a year later.

my dog was prescribed a year long prescription for a particular diet food to treat crystals in her urine that caused bleeding and pain. she also only needs to have annual blood work per the veterinarian. aspca insurance denied medical food claim because they claim did not have enough medical records. this is not true. all of the documentation before the prescription and after were provided to aspca. i appealed the decision and waited over 2 months to hear back. nothing. i called and they re-opened the claim and i have to wait another 2 months for the decision. why do i have to wait and appeal if she has an active prescription and they have all the documentation to support this. do not use them for your fur babies.

I filled out the application online for new pet insurance and when I submitted it, the website told me there was an error and it was not submitted. I chalked it up as a loss and moved on to the next insurance company to get a quote. The next quote I got was only marginally more expensive, so I went ahead and started my policy with the other insurance company. About an hour later I got an email that my application did go through, but it will be 3 business days before my policy starts. Now I have no one to contact to cancel the policy.

Another month, another denied claim. Same bullshit. Same excuses. Same broken system. At this point, MetLife isn’t just incompetent—they’re predatory. For YEARS I’ve submitted the same vet documentation. It’s on file. It’s highlighted. It couldn’t be clearer if it were carved in stone. And yet, MetLife still manages to screw it up. Every. Single. Month. The excuses? Pathetic. “New staff.” “System issues.” “Someone forgot to read.” Give me a break. If any of us did our jobs this badly, we’d be fired on the spot. But at MetLife, this isn’t a mistake—it’s the business model. Let’s be real: MetLife Pet Insurance is a scam. Their “service” is a joke, their systems are garbage, and their customer support is useless. They trap you with pre-existing condition clauses, then nickel-and-dime you while denying legitimate claims. They profit off failure, and they do it shamelessly. If you’re even thinking about MetLife Pet Insurance, take this as your warning: don’t. They don’t deserve your money, your trust, or the right to call what they do “insurance.” As soon as I find a provider that doesn’t treat customers like garbage, I’m gone. Fix this, MetLife—or don’t. Either way, I’m done being polite. You’ve burned the bridge, and I won’t be silent anymore.

Premiums going up and service going down. Incoherent denials. Even my vet said she is not happy with trupanion these days.

Zero stars if possible!! Do NOT get this insurance!! They give you a hard time to process your claim! They do not coordinate with each other’s department, sent the documents required (which Was also sent via the pet cloud app) numerous emails both from me and the vet clinic and still want it to be resend, only to paid a very minute of what i have claimed! They will deny whatever they can deny! It’s better just saving a portion on your own money rather than paying their premiums! They will make you beg for your claim! What a joke! Oh the prescription from costco, none of that they will pay! Don’t be fooled!

Our costs have skyrocketed 158% since we started with Trupanion 10 years ago. This is a breach of trust from the agreement we entered into and we are beyond disappointed in this from a financial and ethical standpoint. Edited to add: Our last increase was 38%. I have reached out to them and asked for rationale, in writing, regarding what could possibly cause this drastic increase (especially since it was less than 2 months after, conveniently, our youngest dog entered the "senior dog" age bracket, meaning switching policies and/or insurance carriers would be very costly.) They have not given us any rationale, but routinely reply to public comments asking us to contact their customer care number, which is just an avenue for their "care team" to offer us the option to cancel our policies. I wish I would've known this before I chose them as insurers of our 2 beloved pups.

I had a terrible time with the online system today. I had three claims to submit and had to do each one smore than one time as something always popped up and caused a restart. Also, the menu for the hospital names jumped a few times causing me to select the wrong provider and having to go back and try again. Not a very good experience today.

These charges should go against my deductible

Obscene amount of questions and zero knowledge about birds and why they go to the vet…and application STILL pending.