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.

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

Taking longer than anticipated for the underwriting process.

Cost four times increase in two years - for coverage that we have not used. The customer service has been professional.

This is the Worst insurance there is. I don't recommend it to anyone. My pet was sick. I was paying almost $70 a month for six months, and in the end, they didn't want to cover any of the vet bills, even before my pet died. If you want your money stolen and it's not worth it, you can sign up here; that's all they're good for.

Your communication is wonky. You communicated to me about the wrong reimbursement and keep saying it's being reviewed when I;ve submitted multiple variations of the paperwork requested. Additionally, this reimbursement has been approved previously so why the issue now?

Customer service was great, but the actual coverage was extremely frustrating, time-consuming, and misleading. I had 90% coverage for 2024-2025, then jumped down to 70% 2025-2026. I had problems with my cat the first year and thought, ok cool, 90% is covered because it was within the dates. Wrong!! Apparently there's a period A MONTH BEFORE THE END OF THE POLICY where the "new" policy goes into effect. So after like FOUR months of waiting for my reimbursement (a whole other ordeal), it was the lesser amount because of some invisible clause. Frustrating.

I was paying $178.47 a month for my 11 year old Aussie. This month, the "new" monthly amount is $476.95. That is a MONTHLY increase amount of $298.48. That is CRIMINAL. I confirmed when I signed up that they only go up a pro-rated amount, which depends on what their overall costs have been for the year, and adjust accordingly. This company is sickening.

PLEASE stay away from this company for dog insurance. They denied claims that were clearly stated in the policy and tried to claim they were “pre-existing”. On top of that their customer service is horrible. Save your money and find a different insurance company.

Please - save your time and money and do not go with Spot Pet Insurance. I thought I had done my due diligence, and was so disappointed after paying for several months and submitted my first claim. I had to find out through the App that it was denied - they never sent me a letter explaining why they denied my claim. They will do whatever they can to deny your claim. There was a typo in one of my dog's veterinarian notes from one year prior to the accident, so they relied upon that to deny her claim when she injured her leg one year later. So disappointing, so disengenous. Find yourself an insurer who will do whatever they can to assist their policy holders - not scam them.