I have to submit SOAP notes just to get a claim processed? That’s ridiculous. I’ve had both of my dogs insured with MetLife for years, and the constant hoops I’m expected to jump through now are exhausting. For the thousands of dollars I pay annually, I shouldn’t be treated like I’m trying to cheat the system. The level of mistrust MetLife shows toward both me and my vet is insulting—and frankly, unacceptable. This company has become more trouble than it’s worth.

We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

I am not able to give a 5 star review here are the reasons for it:

Reply from Lemonade

Very disappointed. They take far too long to decide claims, then dodge responsibility by labeling new medical issues as “pre-existing.” Feels dishonest—look elsewhere for a company that actually stands by its coverage.

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

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 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!

Told me 60$ for the coverage I wanted, but once it was said and done, it wants to say it's going to be 115 for initial payment? That wasn't what y'all just told me

If I could give Odie zero stars, I would! They do not care about the law at all. They've violated several Colorado laws on multiple claims I’ve submitted. They refuse to answer their phones, lie and claim they called when they didn’t, provide unreasonable and contradictory explanations, ignore the policy terms I originally had with ManyPets, and refuse to pay claims altogether.