If you have insurance that pays for anything that not preconditions would help people that are on a fixed income and try to get help with there furbaby anything preconditions should be covered like anything happens to their furbaby try to treat them to the best they can there should be no preconditions when your paying $48 a month the medication that is prescribed to your furbaby try the help them should be covered by insurance.

I had Pets Best insurance for a very limited time. I signed up for a policy in January of 2025 and shortly after, in February, my cat began exhibiting some strange behaviors. After a trip to the vet, they had diagnosed her and treated for hyperthyroidism. Pets Best denied my claim citing that documents had not been received after I had submitted all relevant documents via email and via their online portal. They did not provide any useful feedback to help process the claim and some of the representatives were pretty rude over the phone. A few months later, after fighting to get my February claim processed, my cat took a turn for the worse and was diagnosed, over a three week span, with an inoperable brain tumor. Pets Best processed the claim at an extraordinarily slow pace (which they said was not their standard speed, but happened to be the speed at which they processed every single one of our claims) and at the end denied coverage citing that the brain tumor was a pre-existing condition. Setting aside the logic that a brain tumor simply cannot be a pre-existing condition, they were saying that the behaviors that dictated their decision to deny coverage were stemming from her hyperthyroidism (which, again, they covered after her visit in February). I had to gather written statements from her veterinarians, all of her medical records and file an appeal with Pets Best in order for them to finally process the claim and pay what they owed. In my opinion, Pets Best went as far out of their way as possible to avoid paying what they owed and hoped that I would be too aggravated by the process to pursue the reimbursement. I ended up spending the last month of my pets life arguing with insurance and stressing about how to pay for her medical care because the team at Pets Best did not prioritize the care of my cat. I could not recommend against starting a policy with Pets Best with more of my heart. In denying coverage and creating such stress for our family financially, they robbed us of time that could have been spent caring for our pet in her last few weeks.

Not happy! They raised my premium this year $40 a month despite 80/20 with $500 deductible. Worse yet Pets Best keeps denying my claims stating “pre-existing condition” of “atopy/allergy” regardless if it’s the ears, licking of paws, or skin conditions. Have yet to meet the deductible because covered allowable amount for treatment is so minuscule compared to what my vet charges. And I have the “wellness plan”. More likely you’ll spend more on the premiums than your out of pocket expenses. After spending $1200 and now $1680 a year then meet a $500 deductible it’s a ripoff in my opinion. And my dog is only 7 years old.

There have been several times a deductible was charged to my account that should not have been. I’ve also seen procedures listed on Trupanion’s invoices that were not correct. There have been many times I have had to wait for a payment to be processed. Also, I have to wait tooooo long for a correction to be resolved.

Here we go again—another denied claim. Another month of absolute nonsense. At this point, I’m not even surprised. Just disgusted. For YEARS, I’ve submitted the exact same documentation from my vet stating that both of my dogs require AGE every single month. It’s on file. It’s highlighted. It couldn’t be more clear unless I tattooed it on someone’s forehead. And still—STILL—MetLife can’t get it right. Every month I waste my time fixing their mistakes. Every month I get some excuse: new staff, system issues, someone forgot to read. Are you kidding me? If any of us did our jobs this poorly, we’d be fired on the spot. The truth is, MetLife Pet Insurance is broken. The service is a joke. The systems are garbage. If I weren’t locked in because of pre-existing condition exclusions, I’d have ditched them ages ago. As soon as I find a better provider, I’m done. And if you’re reading this and dealing with the same ridiculous runaround—take this as your sign. Jump ship. They don’t deserve your money, your time, or your trust. Fix this, MetLife. Or don’t. Just know I’m not going quietly anymore.

Please don’t use this company. Before you start to use, Please go on the Yelp first and take a look at the reviews. I've been used this company for about 5 years and never submit any claim and now I sent a claim for $1300 they denied the claim they’re not going to pay. First month of the plan was $125. After two years, $185 And now, 5 years later.$412.79 a Month. Please be aware OK!! Just remember. The LAW it’s for everybody. Have a nice day.

If I could give zero stars I would. They denied every claim stating they were pre existing conditions and I have proof from the vet that they are not and they still will not reimburse. Filed a complaint with the BBB. I wish I had never purchased this insurance. I had Nationwide previously with another dog and they were wonderful. I was really disappointed because I had heard such great things about this company on social media should have just stuck to what I knew.

Once we figured out what browser we could use, the rest was pretty straight forward. Since our dog was so young she didn't have much of a medical history. We sent what we had, but it wasn't much. I would have liked some kind of feedback on that. The actual claim form was quick & easy.

I did not feel like you wanted to take care of me. I got stuck in a pissing contest between two employees I don't know maybe they make commission? Not really my problem the person that helped me when I called in to set things up really didn't want to talk about my original quote or answer any questions. The first person I spoke with who seemed so eager to help dropped me like a hot potato when he found out I had already taken care of it when I asked him a question he said he would transfer me to the person who had set up the account this made me angry and it made me feel bad. The person who ended up finishing up the accounts would ask questions and when I answered them he wanted minimal info didn't care to hear about my pets not a good look when you are selling insurance for pets... finally someone contacted my vet and asked for one of my pets full medical record without asking me about it first I did not like that the record was emailed to me ... now I understand why you may need it and would be fine getting it for you... but doing this without my knowledge is not ok... it has left a bad taste in my mouth and I am quite honestly really thing hard about canceling and going with a different provider who understands that it's is not what you said that made me angry it is the way you made me feel my pets are my life I own a service dog and he was not cheep he deserves only the best and unfortunately I don't think that is you.

I have had Trupanion for my pets for over 10 years, and more and more recently claims are being denied that should be covered.