I like the customer service very friendly. I dislike the time frame for getting a reimbursement if any. I dislike the amount you get back for reimbursement. I have upgraded my policy and my reimbursement is still not good.

Cheaper than most

PREDATORY rate hikes. I’ve had insurance with them for the last 6 years, and my rate shot up from $78 to $178 this year. Their reasoning was made with baseless claims that aren’t supported by hard data, saying the rate in my area went up because pet parents were filing more claims. Even if that were the case, never has my rate risen over 100%. Run away to Figo, ASPCA, or Trupanion. This company should be fined for what they do to the people they insure. Now my dog is 10, and I cannot switch my insurance up because of a pre-existing condition. I don’t know how these people sleep at night.

Very slow claim processing

MetLife increased my policy by over $700 a year. They are stating that this policy that I have no longer exists therefore I have to pay the price for it. I called multiple times they did not want to help me except for wanting to reduce my coverage which I do not want to do that was their only option. Their customer service was terrible I was lied to a couple of times by customer service and I was told that if I did not want to change my coverage then there wasn't anything that they could do for me since my policy that I have doesn't exist anymore

I bought the insurance online to cover my young dog specifically for his neutering. Purchased well in advance to find out it isn't covered. I was not able to submit the claim and discovered this after speaking with someone. They were not able to help. I paid for the insurance in full. It seems the company should have provided some solutions to help me resolve this. I will be moving to another insurance company for my five dogs. I have never had a problem with dog insurances in the past with previous pets.

1-YOUR PLAN IS NOT ACCEPTED AS A PAYMENT OPTION WHEN CHECKING OUT AT THE,VETERINARIAN. 2.TAKES TOO MUCH TIME , 3-5 DAYS , IN APPROVE A REIMBURSEMENT. WE ARE IN THE XXI CENTURY . 3- TRUPANION DID NOT COVER THE ENTIRE INVOICE, TOO MANY DEDUCTIONS IN A SMALL INVOICE. 4 WHEN YOU JOIN A PET HEALTH PLAN, YOU ARE LOOKING FOR A HIGH STANDARD SATISFACTION COVERAGE. IT MAKE NOSENCE TO .PAY A MONTHLY FEE FOR A COVERAGE THAT ONLY COVER A FRACTION OF THE COSTS. IT MAKE MORE SENCE TO OPEN A BANK ACCOUNT FOR THE PET EXPENSES AND DEPOSIT THE MONTHLY FEE ,,, I HAVE BEEN WORKING FOR THE CHEM - PHARMA INDUSTRY FOR OVER 40 YEARS AND I KNOW WHAT CUSTOMER SATISFACTION SERVICE IS, AND WHAT CLIENTS ESPECT FROM US. ITS Frustrating THAT YOU SPEND OVER A WEEK LOOKING INTO EACH INVOICE JUST TO SHORT PAY IT. We espect a more complete coverage and support, If you need to increase the cost of your coverage just to cover full invoices , that could be acceptable, but having a “short payment coverage” is not what pet lovers are looking for,,,

They advertise no wait time for covering a pets general checkup at least in Washington State, and they in fact do not cover them.

So far, every claim we have submitted has been denied. Claims have even been deleted for no reason. Very unhappy with the service. I only gave it two stars because they respond quickly, just never with what you want to hear. It seems like nothing is ever covered.

The app is not user friendly. Its very hard to use and isn't intuitive. Also a quick reference as to what's covered would be helpful. Also idk why my premium is going up this year....