IU've had Lemonade for 2 years and I will be grateful to be rid of them soon. They encourage claims to be submitted via cell phone. They don't cover any "alternative methods" which I knew from the beginning. When I tried to submit a claim via cell, it was difficult. First, they wanted vet notes, that was fine. Then they wanted everything broken down into separate costs. Jess helped me so much and it took her a few days to tell me what I was due. I find the "fur baby" syndrome off-putting and they have other cute little titles. When I wanted to submit my 1st claim, they asked me for a photo of Tachi. I told them I didn't have time. I wondered why they wasted so much of my time. Healthy Paws and Embrace were wonderful. I didn't ever feel that submitting a claim was difficult. With Lemonade, I was asked for the blood tests, the vet notes and anything else they might want. I don't like working on my phone because it was so difficult to break down costs, as Lemonade asked for them. I was told that I could do everything that could rival Embrace and Healthy Pets. How wrong they were. I have never encountered such a complicated process to simply submit a claim. Maybe others are more agile on the cell phone. I do a lot of things on my phone but anything to do with money is from my laptop. Soon we'll be freed from their clutches and that will be a happy day.

Based on the research I did, I thought this was going to be a great company to work with. I have Met Life for my other dog, and I really had not complaints with them. I just thought based on the research this comlany would be great for my new puppy. Boy was I wrong!! Stay away from them. They don't cover anything at full cost, they make it sound so great but in reality I have been to 4 vet visits totaling well over 700 and I have not even yet met my $250 deductible. Run away, I went to one visit and with Met life I was already on the path to reimbursement. Please do yourself a favor and don't believe the hype of this company. I can't wait to switch back to Met Life.

Since Chubb bought them in April 2024 there's been a distinct shift in how they treat customers. They deny everything, claims people are downright rude and they've cut coverage and increased prices. No longer offer a 90% reimbursement. Max is 80% and it's more expensive than the 90% was. Go elsewhere. HealthyPaws is definitely no longer any good.

Title says it all. It’s such a scam. We wasted so much money paying them for zero help when we needed it. Look elsewhere for what you need. We were customers for less than a year. Started okay and progressively got worse then terrible.

You have only paid one claim and I sent in two. Please send the check now. Ann Tremaine

Waste of time. Coming here for 20 years doesnt matter, they don't care about the animals Just how much money they can make off you. Don't bother calling you will be on hold forever just so they can give you a crap excuse as to why you're considered a new patient and not welcome. Happy holidays, they don't care if your animal needs help, they would rather lose your paperwork and say they aren't accepting "new" patients. I will make sure everyone i know either doesn't go here or transfers to an actual caring vets office. Rude and ruthless.

I cannot stress enough how disappointing and infuriating my experience with MetLife Pet Insurance has been. Their service is beyond incompetent when it comes to handling claims. Over a dozen of my dog’s medical claims were delayed, denied, or left in limbo as they repeatedly extended the review period, claiming they needed “additional documentation”—despite everything being provided multiple times. One particularly egregious incident involved an appeal from my vet, which MetLife representatives claimed they didn’t receive—twice! My vet confirmed the appeal had been sent both times, yet MetLife denied it until the appeal period expired, leaving me with no recourse. This was not just unprofessional; it felt deliberately obstructive. The lack of communication, constant runarounds, and blatant mishandling of claims has made this the absolute worst customer experience I’ve ever encountered. Dealing with MetLife has been nothing but stress and frustration, and I wouldn’t recommend this insurance to anyone. If you value your time, money, and peace of mind, do yourself a favor and look elsewhere for pet insurance.

Just an awful experience! Nearly five years of coverage and suddenly an accidental ingestion claim has been denied. We’re talking nearly $3k of charges. I filed the appeal, then received an email stating it would take 60days for review and they REQUIRE medical records from 18 months prior to effective date. This means 75months of records. Funny how easy it is to take out a policy, but never can get reimbursement. It’s just as bad as human insurance.

Embrace denies claims for many reasons of which you basically have NO WAY to argue and or appeal. They deny ALL the time. They take your money but do not pay. The refuse everything and you basically have no way to argue. Forget trying to email them or call them. "No-Reply emails" are always sent. I would avoid them at all costs. I was not reimbursed, did not have the funds to help my dog and hence he subsequently passed. Embrace does not care about you only your money. Embrace will of course respond stating they care but they don't. Don't believe them when they respond - they will continue to claim "Pre-existing conditions" such as a wart on your dogs skin as a pre-existing condition to a tumor. I kid you not! They are horrible

There are no "0" stars permitted as MetLife Pet does not deserve the one. This has to be the worst company, let alone insurance company that I have had the misfortune of purchasing pet insurance for my dog. I will keep this brief unlike the FIVE or more telephone calls, multiple emails of SOAPS and MetLife Pet App submissions of SOAPS and Invoices. There are now multiple copies of everything and they are still NOT processing the claims because there are no SOAPS for three urinalysis reports and my claims will expire as they sent me an email that they were giving me NINE days to submit all SOAPS that had already been submitted and resubmitted. DO NOT PURCHASE METLIFE PET INSURANCE!