Wish I could leave 0 stars. Got a random $250 charge after a year since I purchased ONE item from them. Customer service is terrible and won't get you anywhere. My dog who the product was for to try and save him just passed away and now I have this charge. Way to kick me when I am down.

Not enough diagnosis options for the claim.

I’ve been with MetLife Pet Insurance for several years and have never had any issues—until now. Lately, every time I speak with a customer service rep, I get different information. I’ve also been told I need to wait three business days just to speak with a supervisor. When I submit a claim, instead of being notified that additional info is needed, the claim gets closed. Then the only way to reopen it is by filing an appeal that must be signed by my vet—which is a lot of extra work that could easily be avoided with a quick email or call. These claims are expensive, and waiting months for reimbursement is incredibly frustrating. I really hope the process improves, starting with easier access to supervisors—maybe even offering scheduled callback times instead of playing phone tag. It would make a huge difference. I truly miss how this company used to be.

Would give 0 stars if I could. Said they would ‘investigate’ pre existing conditions against the insurance - no problem with that it’s normal procedure. They emailed me multiple times with the same questions and I sent the same response back. They then sent me a long list of things my dog can’t be covered for but he has never ever been treated for these and the dates of the supposed vet visits for the ‘pre existing conditions’ were before my dog was even born LOL. Don’t bother.

Reply from MetLife Pet Insurance

I very disappointed in this company my one year old English bulldog ended up with aspiration pneumonia and was very sick . We took him to an animal hospital because he started vomiting on a Sunday and his vet office was closed. They kepted telling us how Expensive the bill was going to be we understood all of that told them he had insurance they were happy to know that. He had one overnight stay and had to be in an oxygen box to help with his breathing. We found comfort in knowing we had him on insurance when this happened only when I submitted everything and it was denied for us to get anything back. We was going to renew his policy but not after finding out that won't cover any of this bill!!! Update I have called them very Frustrated wondering why and the lady informed me that they needed a an invoice of every single thing and was charged. Well that was the one thing I didn't have so then I had to call the animal hospital and they sent it email to me and I emailed that to them have yet to hear if they're going to do anything with that since they claimed that was the reason they denied our claim.

very slow payments and sometimes wrong (lesser) reimbursement amounts if even by few dollars it makes a difference. Payment increases not good.

I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for.

I’m disappointed that I was told my pet was able to get instant coverage if I signed up in the office. I took the offer. At the conclusion of the office visit I submitted a claim to see how it would work. I was instantly denied because coverage just started that day. That is misleading and false advertising. Now on top of that, if I decide to continue with this insurance the condition I took my dog in for would be considered “pre-existing” and she’ll never be covered for it. Turned me right off. I was going to continue after the 30 days free but you lost my trust immediately. No thanks.

I was up at 4 o'clock this morning. For this 4:50 appointment I tried to connect tried to connect. I tried until 5:30 AM. And it would not connect and then I just lost my mother. I got my sister. That's overtaken the estate and we had to take her to court. I'm on limited funds. I'm on disability and my mother left money for me to take care of things which I have not been able to access and not only did I not get connected to you, you're charging me a $25 fee for something that I tried for 45 minutes to do. Dude, I would not recommend this service to nobody because you can look. I had the reboot. The appointment for 2:50 because 450 did not work. And I'm trying there's no way to connect you. There's no humans that talk to. I'm just really disappointed. In this service and if this is what you're gonna do, build customers when they try to connect and assume thing was not working. I am not responsible for that. If that's what you wanna do, charge me. 25 bucks for when I tried for 45 minutes. Then you can cancel my service and give me my money back. Because I don't need the added stress. I've got a sick animal. I've rebooked it with you because you did not connect right this morning. That is not my fault. You have no customer service. This is ridiculous.