If you have ample time to debate with these people and call in on every claim, resubmit every detail multiple times and waste hours or your life, it’s right for you. Your app needs more space to put in notes as a one liner description is inadequate since your team does not examine documents thoroughly. I have had to submit & appeal basically everything I did; To the point where I waited on all my claims to be completed before I made my call as I don’t have time to call on each and every claim every step of the way. Do not waste your money.

Hard to determine what is covered and what is not. When you decline something at least send a email explaining why I shouldn't have to call.

Dropped us and wouldn't reinstate because of age of dogs and living in California. Spoke with managers, non-negotiable despite having this insurance for 2 dogs for years and had never submitted a single claim. So don't even bother with this company.

We've been using Embrace for years and what used to be top tier service has significantly degraded. The website has issues, the call service is always overloaded, and I feel like they're more willing to fight us on coverage. This is one of (if not the) most expensive pet insurances out there and I once justified it by everything it offers but that seems to be changing.

Slow website. If I am paying just for illness and not for wellness at this rate, I am cancelling asap.

My premium has gone from $136 to $500 for my two Labradors. That's $7,000 a year! That's almost a 400% increase. I live in Massachusetts. I researched how much Veterinary costs have risen over the past 5 years in my state and it's an average of 16%. This is greed on an epic scale. I canceled my insurance.

I am sharing my personal experience with MetLife Pet Insurance to help other pet owners make informed decisions. While this is my honest account, I encourage everyone to carefully evaluate their options before choosing a pet insurance provider. Key Issues I Experienced: Claim Denial Based on Preexisting Condition: My claim for my cat was denied, with MetLife citing the condition (stomatitis) as preexisting. Based on the medical records and timeline I provided, I believe this determination was made in error. The records showed no diagnosis, treatment, or symptoms of stomatitis before the policy’s start date. Despite this, my concerns and supporting evidence appear to have been overlooked. Repeated and Unclear Requests for Documentation: After submitting all the requested documentation, I was asked repeatedly for additional records without any clear explanation of what was needed or how it related to my claim. This created unnecessary delays and left me feeling frustrated and unsupported. Lack of Response: I sent a detailed letter on January 2, 2025, requesting a reevaluation of my claim and an explanation of the repeated documentation requests. As of today, I have not received any acknowledgment or response, which has been extremely disappointing. My Next Steps: Given my experience, I feel it is necessary to take the following actions to address my concerns and seek a resolution: Filing a Formal Complaint: I plan to submit a complaint to the State Department of Insurance to ensure my case is reviewed independently and to raise awareness about these practices. Consulting Legal Counsel: I will seek advice from a legal professional to better understand my rights and explore options for resolving this issue. Sharing My Experience: To help other pet owners make informed choices, I will continue to share my story through consumer advocacy platforms and online reviews. Reevaluating My Coverage: I am actively exploring alternative pet insurance providers that prioritize transparency, efficiency, and customer care. A Word of Caution to Other Pet Owners: While this was my personal experience, I encourage others to carefully review the company’s claims process and policies before making a decision. Based on my interactions, I felt unsupported and unclear about the handling of my claim. Pet insurance is meant to provide peace of mind during stressful times, and I hope MetLife will take steps to improve its processes in the future. I hope sharing my experience will encourage other pet owners to be vigilant and help MetLife reflect on areas for improvement.

Total scam. The other reviews here must have been auto generated. Does not give you policy before you buy. You put in credit card and they charge it right away - without registering pet or give you any policy details. As others have noted, they also deny everything and say everything is pre condition. they can do that because they dont offer any legal policy contract. Scam .

I think that all the preventative costs should count for at least some of the deductible. The dogs could be sick from not doing those things and you cover sickness right? I thought that after the deductible was filled, you paid 80%. I received about 171.00. That isn’t 80% of the remaining 289.00. Can you explain please?

I was extremely disappointed that Embrace did not cover my cat, Leo's, emergency room visit this past December. Embrace claimed it was a pre-existing condition. Leo had impacted feces and was treated with a laxative - it was a much different ailment than he had earlier - one and half years ago! Previously, "formed feces not present." Gastroenteritis is an umbrella term covering many types of stomach/colon/bowel distress.