I like that MetLife has a Wellness benefit and shared deductible. I don't like that claims are processed too slowly in the pipeline often with me having to call or email to check the status.

Insane price increases this year. They don’t even cover your pets medical needs, they will find any reason possible to deny your claims. My cats are only 5 years old and they’re being priced out. They lie to you when you sign up and say the average price increase per year is 20-30%, actually it’s much, much higher

This was a disappointing experience. The process took a month. I've also learned I was given wrong information when creating this account which could potentially cost me more than $1000 down the road. Lack of training on their part will cost me. New members call back and review your chosen plan with several people before finalizing. Make sure you spoke with someone that knew what they were doing. They love to argue with you, which is the poorest is customer service.

I have had their insurance for both of my dogs and I’ve never had to file a claim. I had to file one for something that I’ve never have and so far they’ve denied me.

📍 Spot Pet Insurance – Kitten Plan (Advanced + Routine Care) My experience with Spot Pet Insurance started off well. The first claim I submitted after my kitten’s initial vet visit was processed smoothly, and I received reimbursement as expected. However, during the second round of vaccinations, I was disappointed to learn that the kitten plan does not fully cover the recommended vaccine schedule, even with the Routine Care add-on. As a responsible pet owner, I followed my vet’s guidance, only to find out that Spot only reimburses certain vaccines — and only once per year — with very limited amounts. To make matters worse, I’ve been trying to reach their support team for over 3 days with no response. Today I finally called and spoke to a representative, who informed me that there’s nothing the company can do — even though this limitation is not clearly disclosed on their website or in the policy documents. Nowhere does it say how many vaccine shots are eligible per year for a kitten. ⚠️ If you’re considering Spot for your kitten, please be aware that the plan does not fully cover the basic preventive care you might reasonably expect, even with them selling this special coverage for it, and the lack of clear communication and customer support is a serious concern.

Heathy Paws is horrible. Bottom line. Anytime you have to file a claim the look for a loophole to deny it. Additionally they purposefully raised my rates 157% with no notification at alll because my animals are older. Horrible company. Editing this to say they never sent a email and are litterally lying. This company discriminates pet owners with older dogs.

I have muumuu every single claim is deny for the only reason it has preconditions also you take too long to reimburse for my other to dogs

I am disappointed with the low pay out for my dogs vet bills.

I have been with Figo Pet Insurance 5 months. The dog was taken to an emergency vet center on a Sunday when vomiting started after 2 days of liquid diarrhea and refusal to eat. He was admitted to their ICU and was severely dehydrated. The staff was able to stabilize his condition but was not able to determine the cause of his problem. The bill was $7838.58. The claim was submitted after supplying a very long list of accompanying documents including a copy of the complete file and doctor’s notes from the emergency center as well as the records and past history from his normal vet. Ten days later they rejected the claim as "pre-existing conditions". The ICU vet indicated in documents that they could not determine the cause with any degree of certainty or assurance. The dog was put to sleep a week after leaving the ICU. It took Figo 10 days to come up with pre-existing conditions. My advice is to look harder and elsewhere if you are searching for a trust worthy pet insurer. Take a moment to read the insincere and duplicate Figo responses to the 1 star reviews if you need help deciding.

Your pricing system was completely lying after I plugged in my dog’s information. This is a scam