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.

You could start by being more timely. and pay out more on priscriped medication for my pet for the last three submitted needs for my pet.

My labradoodle is 7 1/2 yrs old. And his premium doubled in price from last year to this year. Not very happy. Called Embrace and explained to them that this is a lot. They said because claims by everyone is being filed that we all take the hit. Not right. My other labradoodle uses another company. Premium is cheaper and her coverage is better than my dog on Embrace. There should be rules or laws about taking pet owners to the cleaners because others are filing claims. Why should I pay because of that. Won’t use them for any other pet because of this reason.

Filing the claim was easy & fast. Our account now has upper limit for reimbursement. This claim was for >$9,000 to cover tests that diagnosed Chumley with terminal pancreatic cancer. I believe Embrace will reimburse us the balance of his available coverage, about $400. We will have to rethink renewing our Embrace Insurance.

I had to cancel the insurance as I wasn't going to pay for something that was taking over 1 month to get reimbursement. I would submit everything they asked for only to receive an email saying they were missing information that I knew I sent and had record that I sent it. Their live chat is terrible as no one is available during the open hours. The email responses are not much better as these are vague and not helpful. There was no simple and quick reimbursement as everyone has said.

Your pricing definitely wasn’t clear and your customer support wasn’t helpful. We had an emergency and expected a lot more of you and only saved a small portion. It’s not worth the premiums I pay every month.

I filed a claim a few weeks ago and got zero response

My new kitten was only 3 months old at the time he got sick sonwe took him to the emergency vet for the first time he ever saw any vet. They kept emailing me for missing paper wotks that I have submitted. It took me same 7 emails, same 5 phone calls and one month for them to tell me that they won't approve me because it's an pre existing illness! Mind you this is the first time, he ever got sick or seeing the vet!! SCAM SCAM SCAM!!!

They were horrible, didn’t reimburse any of my vet bills because they said everything was pre-existing even though we never had any indication for my dogs bladder stones till I was well into my plan policy. I had three large vet bills and they didn’t want to reimburse a dime. My mistake for not reading the tons of negative reviews on Reddit for this company. Complete scam.

I submitted an initial claim by email on July 15th for two visits. Their website says most claims are processed with 5-10 day with some taking longer. After about 10 days I received word that some of the documentation was unreadable so I resubmitted using the documents using their app. On July 29th I submitted A 2ND CLAIM for additional expenses through email. Checking their website I saw that all the documents have now been lumped into ONE CLAIM. This was confirmed by the customer rep I spoke with. She additionally said that I could be waiting for 30 days for payment of the TWO claims. Their processing time is not what they say and has been getting long through the years.