Takes too long for reimbursement. I was NOT made aware that you can use ZELLE on their app. to.be able to get reimbursed much quicker! I wasted a lot of.time attempting to FAX, both my DVM BILL and found out.after weeks of waiting that METLIFE REQUIRES a SOAP NOTE from the DVM, which most Veternarian Offices don't provide without asking for it do to MetLife's Claims Policy. Also, I had purchased most of.my puppies from PAWRADE and found.out over a year later that all my dogs are considered in the Bull Dog Family and they took.my Payment of an additional $250 for a 10 year of.a HEALTH GUARANTEE of your puppy and it took a mortality of one of my puppies from a personal tragedy, to find out that my expensive FRENCH BULL DOG and my BOXER were EXCLUDED from their 10 year health guarantee as I was told by PAWRADE's 10 YEAR HEALTH GUARANTEE.

Your website is too difficult to navigate.

I've been a member since 2019. I've never had to file a claim however, I have the insurance for peace of mind. Since I became a member my insurance plan has gone up $37. I was just informed it's increasing to $51 which is insane for pet insurance when all the comps are $30 lower. The increases originally started small, $2, $5 then took a jump to $10 and now $17. Not to mention they are charging 4% processing fees for using a credit card. This is just a ploy at this point to get money. When I asked if they would match comps they would not. So I asked if they were willing to lose a customer of 6 years and they said yes. There you have it. I'm leaving because these prices are outrageous.

I've been with Embrace for about 5 years now to insure my 2 cats, and at first it was great. Submitting claims is easy with a quick turn around time for reimbursement. But things changed over the years as one of my cats started getting older. At this point I am most likely going to have to cancel because their prices tripled. Insuring your cats health should not cost as much as a ridiculous monthly car payment and it might just make more sense pocketing that amount and saving it to pay out of pocket for any future visits. If you have any cats that are getting older with some on-going medical issues, don't be surprised if you end up paying $5000+ a year for Embrace. There needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it. *EDIT* Since I can't reply to Embrace's comment directly; telling me I can "explore my options and change coverage parameters" isn't exactly helpful. I've already talked to them about my policy and lowered it significantly from what it originally was, this review is based off of frustrations after the fact. My original policy used to be much better. 90% reimbursement with a higher yearly limit and lower deductibles. I've already lowered it to where I can intelligently afford insurance for my pets. Like I said, there needs to be some sort of laws in place for these insurance companies to prevent them from 3x-4x'ing their prices with nothing you can do about it because I know some people that don't even pay these monthly prices for their own health insurance.

My experience over the last year, is that the goal of MetLife is to either No-pay or extremely slow-pay all claims. Example: uploaded documents mysteriously disappear so that the claim is put on hold and processing delayed. Every effort appears to be designed to reduce the reimbursement amount or to not pay legitimate claims.

I've tried calling and emailing so many times with questions about my claims, and haven't been able to connect with a live human to help me. The only humans I've spoken to were the sales people who set up my premium. Very disturbing. My dog has had to see the vet numerous times since we recently adopted him. I'm grateful to have insurance, but the claims submission process is spotty and inconsistent on your phone app and online platform, sometimes telling me you need additional info when you shouldn't. It is causing me to lose trust that MetLife is accurately calculating what I'm actually owed in reimbursement or not. I am trying to be better about submitting soap notes with the invoice, but there is understandably a delay with acquiring these documents--soap notes and test results are not available immediately after service. So... I suggest you give clearer directions to your customers on how to submit claims so that they aren't bombarded with emails from you saying more documents are necessary. There should also be a clearer log of claims submitted, processing, and EOBs.. it's very clunky and I've resorted my making my own table on Google Sheets to track this all. I'm doing so much more work than I thought I'd have to, on top of handling the stress and emotion of my sick dog.

If I could have given a zero I would have. I have never done pet insurance in the past so I was willing but skeptical to try the 30day trial from trupanion offered through my vet. My dog is 6months old and in perfect health. In my first visit with my vet, I mentioned to the vet tech I would like the vet to take a look at his skin and ensure there were no allergies or illnesses of any concern since he scratches more often than my previous pup did. My vet gave him the all clear with no issues or concerns whatsoever. Upon his 2nd visit 2 weeks later for another round of vaccines the vet notice he had the start of an ear infection, giving him medication and ultimately submitting the claim to trupanion. I received an email notifying me the claim was denied due to "a preexisting condition". When I contacted trupanion they stated that the vet tech records stated my concern of itching and therefore my dog has allergies which is preexisting to the insurance. I informed them he has not been diagnosed with any kind of allergies and an inquiry to my vet shouldn't allow them to self diagnose my dog with an illness they feel he has. I informed my vet regarding the issue and they created an addendum stating my dog had no allergies nor any signs of allergies and he is in perfect health. They than recommended I appeal the decision. I spoke with a new agent who stated they don't accept addendums. She also stated they don't diagnose diseases or illness. Seeing how my vet never diagnosed nor mentioned the possibility of allergies to me or in his notes, trupanion took it upon themselves to label him as having allergies to get out of paying anything that can "fall under the umbrella of allergies". This seems to do with anything that can cause a dog to have an itch. I am grateful this occurred during the 30 days trial, but am very discouraged from pet insurance as a whole.

Insurance SUCKS And Is Only a Win For The Company! The Ultimate Plan Is Garbage! I Don’t Know If Any Of The Plans Cover Vet Visits. I Am Very Close To Dropping This Plan 5 Months Early. Just Submitted a Vet Visit Claim But Pretty Sure, Nothing Will Be Covered If Any. And My Monthly Payment Is $124. Time To Do Serious Homework For a Better Plan. I Just Paid $242.51 And If Nothing Gets Covered, I Will Drop Them. The Best Plans Are Those That Cover Vet Visits. BANFIELD Is a Good Supplement With This Plan But This Plan Is Expensive. However, They Will Cover Illness/Injury Up To $1,000,000 But After You Pay Out An Initial $500. If Your Pet Is Seeing a Vet Weekly Or Even Monthly, You Need Insurance That Covers The Vet Visits. Do Your Homework. I Might Keep This But Will Have To Add The BANFIELD Plan To It Till This Expires. They Do Have Added Vet Coverage For An Additional $30 Or So But You Have To Wait For Enrollment. I’m Just Mad That When I Purchased It, They Did Not Tell Me My Vet Visits Were Not Covered. My Main Concern Regarding This Plan Is Their Awful Lack Of Paying Claims! Obviously, They Don’t Care About The Pets Or The Customer. They Only Care About The Money. That’s Fine, Cause Like I Said, I’m Done If My Claim Is Not Covered In Some Way. I Just Wish I Had Searched Reviews On Trust Pilot. Their Reviews Are God Awful! When You See That, A Picture SPEAKS A THOUSAND WORDS! AVOID AT ALL COST! You Are Better Off Just Opening A High Yield Savings Account For Your Pets Vet Bills Rather Than These Crooks!

My only complaint is how long it takes to get reimbursed.... it always takes about a month for that to happen and it would be nice if it was sooner

The app states the claim will be assigned in 3 business days. That has never happened. The last claim I had to resubmit 3 times and took almost a month to be assigned. It has always taken much longer than what is promised.