This is a total SCAM. I filed 7 claims over the course of a year, and ALL of them were denied. I canceled the insurance and the confirmed that it was canceled and then continued charging my credit card. STAY AWAY! UPDATE: Now they are claiming they can't even find my account after it was open for more than one year. Don't believe their reply about 92% of claims being honored. SEVEN of mine were denied. SCAM

Not a great experience with these guys unfortunately. The first claim we made took 5 weeks to process. All communication was restricted to the app. Price was increased by 15% after 5 months. The PDS (Product Disclosure Statement) is not available in .pdf and only on the app. Additionally the app PDS does not share the details of the $ coverage for each aillment (i.e ticks), making it difficult to compare to alternative insurance providers. I've switched to Budget Direct who were significantly cheaper, provide a detailed PDS in .pdf via email and have both an app chat and call centre for any claims/questions.

I see I'm not the only one who had to drop insurance with Healthy Pets after many years because of rate increases. In the nine years I was with them, I only had one claim. Then the rate doubled, then tripled. When I asked why, they said it was because I live in an expensive state. I stayed with them because I thought my dog's age meant I had no better options. After the rate increased to $500 a month, I finally dropped them.

Another month, another denied claim. Same bullshit. Same excuses. Same broken system. At this point, MetLife isn’t just incompetent—they’re predatory. For YEARS I’ve submitted the same vet documentation. It’s on file. It’s highlighted. It couldn’t be clearer if it were carved in stone. And yet, MetLife still manages to screw it up. Every. Single. Month. The excuses? Pathetic. “New staff.” “System issues.” “Someone forgot to read.” Give me a break. If any of us did our jobs this badly, we’d be fired on the spot. But at MetLife, this isn’t a mistake—it’s the business model. Let’s be real: MetLife Pet Insurance is a scam. Their “service” is a joke, their systems are garbage, and their customer support is useless. They trap you with pre-existing condition clauses, then nickel-and-dime you while denying legitimate claims. They profit off failure, and they do it shamelessly. If you’re even thinking about MetLife Pet Insurance, take this as your warning: don’t. They don’t deserve your money, your trust, or the right to call what they do “insurance.” As soon as I find a provider that doesn’t treat customers like garbage, I’m gone. Fix this, MetLife—or don’t. Either way, I’m done being polite. You’ve burned the bridge, and I won’t be silent anymore.

Premiums going up and service going down. Incoherent denials. Even my vet said she is not happy with trupanion these days.

Hire more people so the wait on the phone isn't soooo long.

Zero stars if possible!! Do NOT get this insurance!! They give you a hard time to process your claim! They do not coordinate with each other’s department, sent the documents required (which Was also sent via the pet cloud app) numerous emails both from me and the vet clinic and still want it to be resend, only to paid a very minute of what i have claimed! They will deny whatever they can deny! It’s better just saving a portion on your own money rather than paying their premiums! They will make you beg for your claim! What a joke! Oh the prescription from costco, none of that they will pay! Don’t be fooled!

I filled out the application online for new pet insurance and when I submitted it, the website told me there was an error and it was not submitted. I chalked it up as a loss and moved on to the next insurance company to get a quote. The next quote I got was only marginally more expensive, so I went ahead and started my policy with the other insurance company. About an hour later I got an email that my application did go through, but it will be 3 business days before my policy starts. Now I have no one to contact to cancel the policy.

I had a terrible time with the online system today. I had three claims to submit and had to do each one smore than one time as something always popped up and caused a restart. Also, the menu for the hospital names jumped a few times causing me to select the wrong provider and having to go back and try again. Not a very good experience today.

there is no customer service. Chat box does not allow you to speak to an agent or even type the issue. You need to spend too much time just to find an answer to a simple question.