We got the insurance to help cover the care of our dog as we were in the process of getting him diagnosed. Well he had developed luxating patellas/dislocated knees to due genetics apparently, and instead of helping it got labeled as PRE-EXISTING and we got zero coverage. A cheap tactic to bait and switch people into trying this insurance. Edit: My opinion stands. His diagnosis was listed in the coverage this insurance supposedly covers and the waiting period was suppose to be waved due to the offer we were given through our vet that we used to sign up for this insurance. Classic bait and switch.

Not what I was told....unable to log in.....but already paid .....wtf?????????

I still have no access to the website, I called the 1 800 number and they have still not been able to get me access

So far not overly impressed. I just enrolled my Toy Poodle and presented a question about the amount I was billed last Wednesday and six days later I am still waiting on a reply! I had been with my vet’s Paw plan and moved. Unfortunately the offices where I moved don’t offer it. They were outstanding!

My company moved from Nationwide to MetLife this year and it has been a AWFUL experience. Its been 1 month since I filed my claim and I weekly get emails of them asking for more information on a simple straight forward short vet visit. They have medical records, charts, receipts and continue to ask for something new each week. No one has ever been available in their "Chat" online feature. Some how my plan is more expensive and the coverage is nonexistent. Would not recommend to a friend. The only reason Im giving a star is because the lady that set up my plan initially was very nice on the phone. It was all down hill from there though.

I've been a loyal customer with your company since my dog Figo was a puppy—he’s now six years old. Until now, I’ve never had to file a claim, but during a recent emergency vet visit, I reached out to customer service to explain the situation and ask whether diagnostic services—such as consultations and further review of x-rays—are covered under my plan. Unfortunately, my interaction with your support team left me feeling even more confused and unsupported during an already stressful time. Rather than addressing my actual question, the representative repeatedly emphasized that a claims adjuster would need to review medical records to determine coverage. I completely understand the need for a formal claims process, but I wasn’t asking for a guarantee—just general clarification about whether those services typically fall under my policy. In a moment when I was overwhelmed and trying to make informed decisions for my dog’s care, I felt there was a real lack of empathy and basic guidance. It wasn’t until I asked for clarification a third time that the representative finally mentioned that our plan does not include office visit or exam fee coverage—which was part of the information I was looking for. However, they never addressed the other part of my question about diagnostic coverage for the radiologist review of x-rays. I understand that you can’t guarantee coverage without a full claim review, but I expected a more informative and compassionate conversation—especially when all I was seeking was general clarification to guide my next steps for my pet’s care. Instead of helping me feel supported, the conversation made me feel like I was a nuisance for even asking, which was incredibly disheartening. As someone who has been paying into this policy for years and trusted it would help me in a time of need, this experience has made me seriously reconsider the value of this coverage and the quality of customer support.

the sign in was t|terrible it kept going in circles I would not be surprised if it didn't charge you a couple of times

Update 4/29/2036: response to MetLife Pet Insurance Had you responded and made the correct determination the FIRST TIME this review would not have been necessary. As such, since this has happened EVERY SINGLE TIME I'VE SUBMITTED A CLAIM, I will not change my rating on TrustPilot. It's clear, after reading so many other reviews with the same exact experiences I've been subjected to, your method of reviewing claims needs a serious overhaul and your claims examiners need better training. Get your act together before you go out of business from all of the bad reviews. _________________________' Every time I submit a claim it's denied. I call and customer service says I'm right and the supervisor agrees and says it will be sent back to claims. It takes 3-4 calls just to get a claim approved. The first time they denied it THREE TIMES because my vet erroneously put the date of a grooming on the invoice along with the sick charges. The grooming was prior to the policy effective date and why moron knows grooming isn't covered. BUT, THEY WERE TOO STUPID OR LAZY TO LOOK AT THE DATES OF THE SICK VISIT, WHICH WERE VALID! CUSTOMER SERVICE SUPERVISOR agreed with me on all THREE CALLS. I FINALLY GOT PAID AFTER A MONTH. This time I was denied AGAIN for a sick visit. They approved the fecal exam and the medication but denied the vet visit which makes NO SENSE. They sent an appeal form after the second customer service rep told me I didn't need an appeal and shouldn't have been sent one. If you look on line there are many, many people that have had the same exact BAD EXPERIENCES that I've had.Multiple re-submissions and phone calls. One person wrote that he's covered for dental cleanings and they DENIED THE CLAIM SAYING IT WAS A PRE-EXISTING CONDITION BECAUSE THE DOG HAD PLAQUE! WHY ELSE WOULD YOU NEED A DENTAL CLEANING?

SCAMMER ALERT!!!! SPOT PET INSURANCE IS A SCAM! DO NOT USE! Purchased a wellness and accident policy. SPOT denied the wellness claim. Anaplasmosis was found during the Wellness. SPOT REFUSES TO COVER THE ILLNESS BECAUSE IT WAS FOUND IN THE WELLNESS CHECK, SAYING IT WAS PRE-EXISTING. SCAMMERS, SCAMMERS, SCAMMERS! DO NOT USE SPOT PET INSURANCE!!!!!! To Spot: Don't bother with the canned answer that means NOTHING! You screwed me!

I signed up when my puppy was 7 months old and had an injury. I understand pre-existing conditions however after 2 claim denials I am better off saving the money. They do not make it easy. I would highly consider other companies. I asked around and was told about the denials but thought I would try it out.