I feel like it is pointless to call, there never seems to be a good answer for rate increases or cost discrepancies. They just basically say you are screwed, good luck changing things at the next enrollment period!

Too many emails. I stop reading them because most of them are "we received" "we are reviewing" "we read" "we reviewed" "we are thinking about it" I don't need to know every breathe you take. A VERY short email with the subject line of "your submission was received" and the date in the body is enough. IF there is something that MetLife needs more information a different email... one that has "needs attention" in subject, otherwise I ignore them.

After having the insurance for a year they tied an issue with his limb to a non-covered event and denied the claim even though our vet noted it was part of that issue. They are not friendly when it comes to the denial of the claims. They give very detailed rejections and don't cover anything that may be covered. They are dishonest and their customer service hours are horrible.

I haven't used it yet so I don't know. I've heard they pay out but I also read some horrible reviews. I don't know yet. However, I do know that they email you until you actually review them. And considering they're not a pet insurance agency & they're owned by 1 of the largest big equity firms in the world, I get it. Its PR. Hopefully if I need them, they will reimburse me. But again it's America & big equity. They don't care. Just try to keep your babies safe.

Customer service told me my claim was pending receiving the chewy invoice, so I submitted again only to find out later that day the claim was already processed and check was mailed to me. The 8 documents I submitted weren’t enough? I was upset.

The user interface should make it super simple to start a claim. It was super easy to see all the documents needed, just not how to actually SUBMIT a Claim. I noodled around until I found step by step instructions. I needed to click on my dog (I only have one pet. Who else would I be submitting a claim for?) This should be obvious like ordering on Amazon. There should never be a moment where you don't know where to click. That said, everything else went smoothly with uploads and reimbursement to my checking account. Kudos on the rest of the process. I appreciated the email updates too!

When I submit documents MetLife tells me they don’t have it. Takes forever to process because someone is not checking correctly. Also when I call for questions I am told information that is wrong and I end up having to do the whole process over or they cancel it. I am not happy at all

I have had Metlife Pet Insurance for about 2 years. They have declined every single claims finding innovative ways to decline coverage. I have followed up multiple times and till date have not received a clear explanation on why the claims were rejected.

A few months ago, I requested an upgrade for my plan. They said they would do it right at the renewal date, but they didn’t. So I called in July and August and told them it hadn’t been done and asked them to do it. The first call in July quoted a price of approximately $130, and the second call in August the price was $135. Besides not fulfilling what was promised months ago, they also raised the upgrade price from one day to the next. They also charged a fee to process the upgrade.

I am contemplating moving my policies if all 3 of y dogs as y golden retrievers claim was denied due to them saying it’s routine care. This is a chronic problem my vet and I are trying to remedy. It is not routine care. And they they said the medication is not on their “list” so at this point everything has been denied including the testing. No point in having it if they deny everything. So disappointed