We first signed up with MetLife on December 29, 2022, for a pet insurance policy with 100% coverage and a $200 annual deductible. The monthly premium was quoted at $65.36. Our dog, a Great Dane mix, had just turned one on October 31, 2022, and had no pre-existing conditions at the time. When it came time to renew the policy on December 29, 2023, the coverage remained the same, but the premium increased to $90.30/month — a 38% hike. When I reached out to MetLife, I was told the increase was due to rising veterinary costs in our area. We accepted the new rate and moved on. However, on November 23, 2024, I received an email stating our policy would renew again on December 29, 2024 — this time with a new premium of $182.20/month. That’s a 100.17% increase from the $90.30/month we were paying just one year ago! I called MetLife on November 24, 2024, to ask about the drastic rate hike. I spoke to two representatives. The first couldn’t explain which factor contributed to the 100.17% increase, while the second claimed the hike was due to our dog’s age — he turned 3 years old on October 31, 2024. They also mentioned that location and breed could affect rates, but neither could provide specific details on how these factors applied to our situation. In the end, the decision is yours, but based on these facts, I would not recommend MetLife dog insurance to anyone!

after first year metlife pet insurance increased 100 100% increase after first year ---- i stuck with them because first year was affordable. Now its obvious when i will need my dogs insurance most in the future it will be unaffordable for a $5500. payout yearly plan with a $250 deductlible. MetLife you are now priced out of my ballpark. ! 5

I want to cancel my policy and cannot get g

When i asked why they would not cover my $800 invoice from my vet for my dog who was diagnosed with pancreatitis they told me my dog had a pre-existing condition when he did not. I asked why they said that and they said because i told the vet he was sick the with the sicknees the night before. What the ?? Also it took them over a month to determine this bull

I recently encountered an issue with Metlife regarding their refund policy. A representative assured me over the phone that I would receive a "full refund." However, the policy lacks clarity on whether the enrollment fee is refundable, leading to confusion. This ambiguity raises concerns about potential loopholes in other areas of their policies. Under the Arizona Consumer Fraud Act, it's unlawful to engage in deceptive practices or make false promises in connection with the sale of merchandise ARIZONA LEGISLATURE . Misrepresenting refund policies may fall under such deceptive practices. I have escalated this matter and hope for a fair resolution. I urge Metlife to enhance transparency in their policies to prevent similar issues for other customers.

I have submitted claims for my cat's meds in the past and was reimbursed. Now they are saying it is predisposed and they will not pay me. Also they are becoming a lot more strict and time consuming on claims.

It has been the worst pet insurance company. We also purchased wellness coverage for both dogs. They claim to cover so much until you file a claim. This crap company denial rate is through the roof. They have no staff to help, your claim sits for 4 to 5 weeks before they deny your claim. Customer service is for sh_ _. After another denied claim even my vet wrote in letters correcting them and hey denied it again. It cost us $129.00 a month, we spent $3,800.00 at the vet's office and received $33.60 back with a $500 deductible. Everything comes back as PREEXISTING CONDITION. My dog has an ear infection 2 YEARS before this insurance and they label it as preexisting. MetLife salespeople told us items such as vitamins were covered. Their claims department denied vitamins again with the term PREEXISTING, preexisting because she was on them before the insurance start date. RUN away from this company and just think what they do with their other lines of insurance. The experience and service beyond terrible. I recommend that you never use MetLIfe Pet insurance.

They asked for me to contact them further to my review but nothing changed. It is like talking to a wall.

I've had pet insurance since my dogs were puppies. I switched to metlife because my husband got a discount through his work. I had healthy paws, and they were great! Metlife? I feel scammed. I filed a claim back in Feb of this year and the bill went towards the deductible. Now, I filed a new claim, and again, this bill went towards the deductible? How and why? I've emailed them asking them, but I get no responses. About to call them, but I'm sure I'll get the run around. So far, in definitely not happy with this company.

I bought this insurance because they claim to cover hereditary/congenital. Well that is a load of garbage. My dog had a very rare skeletal muscle hamartoma - it was congenital (as he was born with it) as well as Von Willebrand. Now at the time I got the insurance I was only aware of the Von Willebrand's but they told me it would be covered. Well we submit for his surgery to have his throat mass removed after waiting on a final histopathology only to be denied. They deemed it PREEXISTING. of course it was preexisting it was congenital. He was born with it.