MetLife Pet Insurance does not acknowledge receipt of claims sent in by Veterinary staff on the actual day of service. Insured then has to send in claims as an email attachment. The claim is acknowledged as having been received and the clock starts ticking for processing at that time. No explanation is given as to what happened to the first submission.

TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues.

Another woeful experience with Lemonade's underwriter team (Emily J and John). They have started to make up the age of items (my roof) in order to claim non-renewal on my homeowner's policy. This isn't really surprising given they then provided their own referral link to a contractor company so they can get kickbacks.

Pretty slow

Trupanion is a good pet insurance for peace of mind and emergencies. However, they still need to work on coverage. I find it disappointing that exams arnt covered, taxes, and wellness procedures arnt covered. I would think they would want to promote prevention.

I had a deeply frustrating experience with Dutch and Dr. Armstrong, a veterinarian licensed in Idaho, who treated my dog via telemedicine.

The customer services was great but watch out for the fine print -

My claims have been repeatedly denied because lack of "SOAP notes". My vet has provided all the information they have and so I'm basically unable to use this service.

They are delaying the decision on the claim in every possible way. The first claim has been going on since November 2024, it is now May 19 2025 and still "in process". They are just dragging out time so that you continue to pay monthly. Ridiculous, we paid them for almost two years, our cat did not get sick, but broke a fang, insurance covers this case, our vet provided medical records and all the documents, but Healthy Paws kept asking for more and more documents, more exams, this lasted for three months, as a result, the claim was closed, in March 17th they received another veterinary exam what only they wanted for the claim. So for two months they have had all the documents what they asked but they only respond back that "review of the claim may take 10-14 business days"and repeat to ask us by email for the same vet docs what they have already! This company acts like a scammer. Tomorrow we will call to cancel this insurance and then send a complaint to BBB.

Didn't accept me right away, never had that happen. Not interested in them for insurance now.