It’s funny how on their website, they only put the 5/5 star reviews. I have A LOT of things to say about MetLife Pet Insurance. Just save your money and don’t bother. The worst claims process with continual and sometimes immediate denials for tests and procedures clearly outlined as covered. It you try to appeal, it is crickets. I have an appeal still out in the ether from May that I’m sure I’ll never hear anything about or it will just get denied again. It’s not like I am even going to get compensated remotely close to the over $14,000 that I’ve had to spend on bilateral CCL tears that my dog has experienced, but MetLife wants to tell me that they are an “illness” and not from an apparent injury that my vet documentation and SOAP notes clearly outlines on the very first page.

I'm a disabled veteran that only used Embrace because USAA endorses it. These people refused to process the claim to put my service dog to rest. It was her 3rd claim ever. This company gladly took tens of thousands of dollars from me over years with no claims then refused to acknowledge or even process the 3rd and final claim that would have resulted in a few hundred bucks of reimbursement. I would never in a million years send another dime to this company or refer them business.

They increased my dogs insurance by $75 per month. Nothing happened to my dog to justify the increase They refused to pay for a routine vaccine/wellness check. I feel they haven't been fair, my dog is older but very healthy.

Your time frame for processing claims is ridiculous sometimes 2-3 or up to 4 weeks. I could understand that time time frame for a first claim but any other claims you have already received pets info from vets so no need to request the same thing on every claim. I am considering going back to Nationwide there claim time was usually 3-4 days and immediate reimbursement.

I submitted my invoice via Trupanion. I waited for a response and when I finally got one it was that my claim was denied. When I spoke to a rep via phone I was told my documents were never received and the documents were received were completely dark. I submitted the invoice thought the clinic and was instantly approved. The other problem I have was the total was 1,930. My deductible is $800 and you all are paying 900. I was never told why the additional amount was covered and when I called I was told it was the exam charge. When I told the exam was waived and indicated in the final invoice I was given the run around. While I’m grateful trupanion paid some money. It doe feel like I was treated like a number. I would have an appreciated someone calling me to tell me what was missing or what was approved and what was denied and why.

The price for the insurance plan I have has gone up so much that it is ridiculous! For what you charge, you should reimburse me within one to two business days. Sometimes I have to wait several weeks and that is not acceptable!

I’ve been a loyal customer since year one, and I’m disappointed to see the price increase so drastically. My premium started at $$79.64, then up to be $110.30 on year2 then doubled to $169.91 the following year, which feels excessive. When I reached out, I was told the increase wasn’t due to my claim history, but rather my location. However, I haven’t moved since I first signed up, so that explanation doesn’t make much sense to me. I hope the company reconsiders how these pricing changes are handled, especially for long-term customers.

THEY ONLY PAID $5 for a submitted claim for $1467. FIGO agreed $1293 was eligible. Policy for $10,000 max annually, $900 deductible, then 70% coverage. $1293 - $900 deductible = $393. $393 remaining times 70% = $275 to be paid by FIGO. Insured pays $900 deductible and remaining balance $118. ONLY WAS PAID $5. WHAT A SCAM

It was EXTREMELY difficult to understand your representative on the phone. She was VERY nice but she had to repeat things MANY times. She spoke too loud and too fast! As a result, I'm sure I missed some important information.

THIS IS THE MOST ABSOLUTE. HORRIBLE. PET INSURANCE COMPANY! I have insured my dog since she was eight weeks old and have been with MetLife Pet Insurance for a while. I have experienced superb service from other companies, but unfortunately, not with MetLife Pet Ins. I submitted a claim on May 5, 2025, then I was contacted that in order to process this claim, they would need an additional documentation, which I ordered. Once received, I tried to upload it to the ACTIVE claim; however, one is unable to do so resulting in filing a whole new claim. This was May 5, 2025. Today July 21, 2025. I have sent numerous emails only to get an auto response that more information is needed to process the claim...I called, no answer. I reached out again the other day, nada. I uploaded the document requested of me to the emails (approximately 10) and still nada. Furthermore, For obvious reasons, I canceled my policy June 1, the actual day the payment was debited from my account. Guess what? No REFUND WAS PROCESSED to date. Nor was the claim ever processed, so 2.5 months later I finally got someone on the phone after being disconnected from the previous representative. Now, to be fair, I have worked with them in the past and never experienced this time-consuming and aggravating process. I like to take away lessons from situations such as this. Take it for what it is, here is my input: PETSBEST INSURANCE is more affordable and offers more coverage for less. I highly recommend making a switch or if you are researching pet insurance companies, at the very least, consider PETSBEST Pet Insurance to save yourself months of aggravation!