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.

First off, I would like to say I loved how quickly I was responded to! I gave only 3 stars because I sent in two different claims and was told they were one in the same. They were different. One was from last year and one was from this year. Otherwise, I would have given 5 stars if I had been told that I couldn't submit a claim from the previous year.

The first claim I submitted will require a month to process. When I submitted the claim, the acknowledgement stated 5-10 days. And then after following up, I was required to provide documentation delaying the claims even longer. It has been 20 days since the first claim was submitted. I will follow up again. Needless to say, I’m researching other insurance options.

Embrace Pet is a VERY🚫 BAD choice if you are looking for reputable and reliable pet insurance. My mixed terrier's coverage almost doubled (from $48 to $85@month without notification or a reason for the big increase 🤑I've never filed a claim for my pet over the 2+years that we had a policy with Embrace Pet. They're just another BIG RIPOFF!

Trupanion has a misleading insurance model. Their frequent and significant price increases in the monthly fees comes as a surprise, cannot be justified under questioning and, hence, are indefensible. They provide notifications out of the blue, citing organic rises in costs, and when asked for specifics on those increases cannot support what has been recently a 30%/month fee increase. They misstated our dog's medical history and basically flailed around trying to justify the above increase. I am sorry we signed up initially. I would avoid these folks in favor of other organizations

Jan, your agent, was very slow, hard to understand, and kept asking me to repeat myself. She had no logical way to explain my premium increase, although I've not had any claims paid out. Also, the credit card update was very tedious and took much longer than with other companies.

After several claims: is clear that preventive care reimbursements are not realitybase. Treatment claims (at least once) declined erroneously.

They changed my rates without telling me.

Had to cancel my policy have been a customer since the day I got my French Bulldog at 8 am weeks old. I had done extensive research on pet insurance companies & had Pets Best lined up before I even had my frenchie in my home so I have been devout customer for 3 years and 2 months! Very disappointed that the representative didn’t even try & keep us as customers actually felt like she may have been doing something else as well, it was Friday afternoon. Just felt very insignificant after our loyalty to Pets Best. But finding out loyalty doesn’t really matter anymore. What a shame.

I rescued my senior pup so when I applied I get Embrace all of his vet records from the prior 9 years. They saw that in the past my pup had ear infections so they declared this a pre-existing condition. What is terribly unfair about this is that I’m now addressing his ear infections- they were not addressed prior to me rescuing him- and despite the fact that I’m being a great pet owner, Embrace will not pay any claims that say anything about his ears, allergies, etc. Allergies were not a pre-existing condition however they have decided to lump them together. Any reason not to pay a claim.