The SOAP notes have been holding me up. The vet office doesnt typically share these so I have to make several additional attempts to gather everything needed to get a claim paid. I wish there was a direct line from the vet to the ins so I didnt have to ask for this each time.

they used to be good and covered all the advertised. Now they nickle and dime and are advising g a 35% rate increase. I plan to cancel soon.

Claims take too long

Your AI screening is erroneous and quick to decline claims. Your reviewers assign their own diagnoses and claim the claim submission is pre-existing, as opposed to what the veterinarian has listed as a diagnosis. Multiple appeals due to errors on your part. I would change insurance companies if I could, but then my dog's issues would be "pre-existing."

Multiple claims on a 30 day policy the shelter gave us and one we purchased. No prior exclusions and wellness included yet EVERY claim has been denied or delayed. We need x to pay. we provide it. Oh now we need Y to pay and the payout timer resets to another 30 days. Sales rep said 10 day easy repayment.

Put a claim in in July and still never got reimburse. Called 7 times and sent in soap notes 3 times and still nothing

The coverage has helped my puppy . The pricing really rises fast, it doubled in just four years. But overall it's a good insurance.

I’m a new pet owner December 2024 and wanted to do the right thing and get insurance so I did in January of this year but I don’t recall the representative telling me I needed to wait 15 days before the policy went into effect long story short I took my dog to the vet before the 15 days they said she has allergies so nothing pertaining to her allergies is covered because I guess it’s considered preexisting if I’ve never had a pet or insurance how was I supposed to know she had allergies so to me it seems like pet insurance is a scam and I’m more than likely will cancel my policy because she has to get a shot once a month and since I have to pay upfront why do I need the insurance?

The process is nice and seamless but started off paying less than $50 a month to now paying over $80 a month in just 3 years with my employer discount . The year to year increase is insane when I have a medium size pup, 4 yo with no health issues. I haven't had the time to research other insurance companies so I continue to pay unfortunately.

Overall MetLife is pretty good for pet insurance, however after the first year they hiked my monthly price up by over $30/month which seems astronomical. I’m terrified to see what next year will be, and whether or not it’s something I’ll still be able to afford. Claims sometimes take quite a while to be processed. Additionally, they don’t cover PT unless performed by a licensed vet, which is kind of a fine print thing. I was unable to find a dog PT in the state of CT who was a licensed vet. They are all licensed physical therapists or rehab specialists, but don’t have a DVM. Pretty disappointing since this was one of the main perks to me, having coverage for something very common, but costly and repetitive, that comes up, especially with larger dogs.