I used to love MetLife. Now, they take a really long time to process claims and sometimes customer service isn’t great. I lost one of my dogs in Nov 2024 (my policy doesn’t renew until June). I called to report my pups death. I was informed that removing her would increase my rate (substantially) and if I did so, my deductible resets. Whaaat?

I’ve found the claim and payout experience as a new client to not be the best. Have had to call numerous times and still feeling like things aren’t working great.

A few months ago, I requested an upgrade for my plan. They said they would do it right at the renewal date, but they didn’t. So I called in July and August and told them it hadn’t been done and asked them to do it. The first call in July quoted a price of approximately $130, and the second call in August the price was $135. Besides not fulfilling what was promised months ago, they also raised the upgrade price from one day to the next. They also charged a fee to process the upgrade.

Taking longer than anticipated for the underwriting process.

Told me 60$ for the coverage I wanted, but once it was said and done, it wants to say it's going to be 115 for initial payment? That wasn't what y'all just told me

When I submit documents MetLife tells me they don’t have it. Takes forever to process because someone is not checking correctly. Also when I call for questions I am told information that is wrong and I end up having to do the whole process over or they cancel it. I am not happy at all

Very disappointed. They take far too long to decide claims, then dodge responsibility by labeling new medical issues as “pre-existing.” Feels dishonest—look elsewhere for a company that actually stands by its coverage.

After having the insurance for a year they tied an issue with his limb to a non-covered event and denied the claim even though our vet noted it was part of that issue. They are not friendly when it comes to the denial of the claims. They give very detailed rejections and don't cover anything that may be covered. They are dishonest and their customer service hours are horrible.

I have had Metlife Pet Insurance for about 2 years. They have declined every single claims finding innovative ways to decline coverage. I have followed up multiple times and till date have not received a clear explanation on why the claims were rejected.

The user interface should make it super simple to start a claim. It was super easy to see all the documents needed, just not how to actually SUBMIT a Claim. I noodled around until I found step by step instructions. I needed to click on my dog (I only have one pet. Who else would I be submitting a claim for?) This should be obvious like ordering on Amazon. There should never be a moment where you don't know where to click. That said, everything else went smoothly with uploads and reimbursement to my checking account. Kudos on the rest of the process. I appreciated the email updates too!