Our costs have skyrocketed 158% since we started with Trupanion 10 years ago. This is a breach of trust from the agreement we entered into and we are beyond disappointed in this from a financial and ethical standpoint. Edited to add: Our last increase was 38%. I have reached out to them and asked for rationale, in writing, regarding what could possibly cause this drastic increase (especially since it was less than 2 months after, conveniently, our youngest dog entered the "senior dog" age bracket, meaning switching policies and/or insurance carriers would be very costly.) They have not given us any rationale, but routinely reply to public comments asking us to contact their customer care number, which is just an avenue for their "care team" to offer us the option to cancel our policies. I wish I would've known this before I chose them as insurers of our 2 beloved pups.

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

We still have a claim from April for a puppy spay. We did not get all the money back e have coming to us. We called and spoke with CS numerous times, but it is still there over a year later.

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.

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.

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!

Payments for reimbursements take far too long. Mistakes are made and are difficult to resolve, requiring long phone calls for attempted resolution.

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.

This insurance company is horrible. I submitted a claim for a sore right leg on my dog, they declined it do to a prior injury. Absolutely false. They will look for reasons to not pay out. Take my advice, when it comes to your best friends health and the cost of treatments, stay away, no one deserves this aggrivation

When I buy a new car and enroll it in insurance, it is effective immediately? Why am I going to underwriting for dog insurance?