Everyone I spoke with was PHENOMINAL But, after speaking with a claims agent, the marketing of insurance benefits are very misleading in terms of what they will cover. I haven't had to use the insurance yet, so time will tell.

Took a month to settle claim and still getting emails that says they need more information after claims have been settled.

Submitted my claim for my pet on 7/2/25. The site keeps saying pending medical review. It's been 25 days and still no answer. Sent an email message inquiring why this is taking so long to make a decision on my claim-----NO ANSWER!!!! Totally unacceptable.

I have been with Healthy Paws for 8 years, first in CA and now WA. I made very claims until the last year where I submitted monthly arthritis shots ($80) and one urgent care visit ($717) and not much before that. My dog turns 13 this month and they raised my policy from $140 a month to $626. This is outrageous and they know you can not switch a 13 year old dog to anyone else but it doesn't matter cuz I am dropping them. What kind of insurance takes your money for 8 years and then drops you? I am sorry to all my friends that I referred you to them because of positive experiences.

Worst insurance ever. I have spent over $5k over the last few years. I finally used it and they denied everything. It is absolutely not worth even wasting your time reading into any other reviews. Move onto another company 100%. To trust a company and spend $5k and then not get a single dollar back when we actually use it, is bullshit.

They raised my rates by something like $75 after being with them for only two years. I was already paying 180 something a month and I'm already using a high deductible with a low percent return (70%) to keep the costs down. Yes I've had claims, but nobody raises anybody's insurance by that much. I've never even had my car insurance go up by more than about $30 and this is simply pet insurance. They're not paying out thousands and thousands of dollars for every incident like a car insurance company and yet they have rates equivalent to car insurance which is insane. They are just like any other insurance company -- out to rip you off. They did a terrible job with our medical history so that something idiotic like "occasionally eats a dead animal" is somehow a pre-existing condition even though I explained to them it only happened once when she was an infant. That's the most ridiculous pre-existing condition I've ever heard of. And then after they had made a full assessment of pre-existing conditions from her medical records, her first claim was denied because they went back AGAIN and searched even harder to find a reason to deny it. All of a sudden now her arthritis isn't covered even though she didn't develop it until after I started working with these morons. They are cheats and they are liars and they have terrible customer service.

Overall, I am extremely unhappy with MetLife Pet Insurance policies and service. The only reason I have stayed on this insurance plan is because if I switch to another provider anything that is currently covered under MetLife policy will be considered pre-existing under a new plan. The insurance model feels like this company exists only for profit without any regard for the wellbeing of people's pets. I am specifically frustrated that my dog's eye condition (pannus) is not covered. Months prior to her diagnosis, I scheduled her for a vet appointment to treat a bite mark and eye redness in one eye. At this appointment, I arbitrarily said the issue started "a couple weeks ago" after playing with another dog - I had waited until the policy started to schedule this appointment because this was our first time at a vet being insured. During this appointment, they could not determine why my dog's eye was irritated, other than speculating that it was a play injury. She was also treated for a bite at this appointment. Within a week of this appointment, the eye redness went away without treatment. While at first covered, MetLife later retracted coverage after my dog saw a specialist for eye redness in both eyes (months later), citing the initial appointment as proof that the issue began before policy coverage. I appealed the decision, got a doctor from the clinic of the first appointment to sign off that there was no evidence that the issue treated during that first appointment was chronic or pre-existing, nor necessarily related to the chronic condition my dog later developed well into the policy. My appeal was rejected, though I never received a letter in the mail and now it is far too late to re-appeal. Now, nothing related to her eye condition is covered, while I still pay over $100/month for her pet insurance. Because of this, I cannot afford to treat her eye condition and she may suffer permanent eye damage. I feel like we were completely taken advantage of, and roped into a pet insurance plan that is not best for us. More recently, I called customer service with an estimate to have a small lump on my dog's side biopsied. Based on MetLife policy, the customer service representative cannot even say definitively whether or not this biopsy will be covered, despite it being years into my policy. While I don't blame the representative, it is extremely frustrating that it is the plain policy of MetLife Pet Insurance to never give pre-approvals for coverage. In this same call, I requested some information on yearly rates and how they expect them to change from year to year - the representative could provide no information on this either. In addition to these problems, in my experience MetLife takes far longer than their 5-10 guarantee to process claims, doesn't update their system properly (my claims from the eye issues still say "processing"), and the system is glitchy and slow. I strongly advise against choosing MetLife to insure your pets - the

We have been paying for insurance with Healthy Paws for 10 years. Our premium has gone up substantially and we have rarely used the policy. We recently had a claim where our dog had an illness and the vet gave us his notes documenting the issue. Healthy paws dismissed it as a well visit and refused to pay. We appealed the claim and have not heard back. They keep saying it is being looked at with no resolution. It seems more like a scam and not worth having the insurance with them. We have used other companies in the past that were much more reputable and responsive.

Overall, I am extremely unhappy with MetLife Pet Insurance policies and service. The only reason I have stayed on this insurance plan is because if I switch to another provider anything that is currently covered under MetLife policy will be considered pre-existing under a new plan. The insurance model feels like this company exists only for profit without any regard for the wellbeing of people's pets. I am specifically frustrated that my dog's eye condition (pannus) is not covered. Months prior to her diagnosis, I scheduled her for a vet appointment to treat a bite mark and eye redness in one eye. At this appointment, I arbitrarily said the issue started "a couple weeks ago” after playing with another dog - I had waited until the policy started to schedule this appointment because this was our first time at a vet being insured. During this appointment, they could not determine why my dog’s eye was irritated, other than speculating that it was a play injury. She was also treated for a bite at this appointment. Within a week of this appointment, the eye redness went away without treatment. While at first covered, MetLife later retracted coverage after my dog saw a specialist for eye redness in both eyes, citing the initial appointment as proof that the issue began before policy coverage. I appealed the decision, got a doctor from the clinic of the first appointment to sign off that there was no evidence that the issue treated during that first appointment was chronic or pre-existing, nor necessarily related to the chronic condition my dog later developed well into the policy. My appeal was rejected, though I never received a letter in the mail and now it is far too late to re-appeal. Now, nothing related to her eye condition is covered, while I still pay over $100/month for her pet insurance. Because of this, I cannot afford to treat her eye condition and she may suffer permanent eye damage. I feel like we were completely taken advantage of, and roped into a pet insurance plan that is not best for us. More recently, I called customer service with an estimate to have a lump on my dog’s side biopsied. Based on MetLife policy, the customer service representative cannot even say definitively whether or not this biopsy will be covered. While I don’t blame the representative, it is extremely frustrating that is the plain policy of MetLife Pet Insurance to never give pre-approvals for coverage. I strongly advise against choosing MetLife to insure your pets - they are sharks that have backwards priorities, despite what their representatives tell you. For my next pet, I will be choosing a different provider.

At first I sent in a bill I paid and they denied it because it wasn’t itemized… so I asked the vet for a bill that was itemized and when i received it , I sent in the itemized bill and nationwide is still denying the claim with no explanation. What’s going on?