Don't waste your money. They will do whatever they can to NOT pay for anything.

They are the absolute worst company to partner with for pet insurance. After calling customer service for almost a week and not being able to get in contact with anybody to help me so I can cancel my policy before the 30 days and of course nobody answered I finally was able to get in contact with somebody today to be told that I could not get a refund, but they will go ahead and cancel my policy or something that I had never used never again. Will I ever listen to somebody about using a pet insurance company like this again their customer service people are phony. They are liars and they need to learn how to answer the phone. What kind of business runs with nobody answering the phone?

You cannot submit a claim for multiple illnesses or accidents on one claim. Representatives provided conflicting information when calling to request information. Request for instructions on what was needed in writing was not honored. It took two months to process one claim.

My insurance doubled since the time I obtained it forcing me to cancel the renewal. My dog is healthy and doesn’t have any preexisting conditions. Update to MetLife response: I tried calling two times trying to lower the price without sacrificing too much coverage. Unfortunately it makes more sense for me to switch to a different company. Too bad because otherwise I was happy (except of long claim processing times).

The fecal tests that I submitted with the claim was not approved and stated as preventive. However, there is not a way to diagnost and follow up about this desease unless a fecal test is made.

I thought this would be an easy company to deal with, associated with USAA. Sure, they employ nice people who are helpful when you call in to dispute a claim that wasn’t covered, but get ready because you will be calling them a lot. You have be extremely specific with your claims and that involves invoices from your veterinarian. I have had 5 claims in one month rejected because the wording used in the invoice is not covered. Once the wording is changed to the specific language in the policy the claim is then covered. However it’s the same thing. I can’t claim “physical therapy” as a broad term because that may or may not include the 5 therapies covered. This is such a headache because I then have to go back to the veterinarian and beg them to change the wording on the invoice so I am refunded. What has been extremely frustrating is my veterinarian expressing her own dismay as “other insurance companies aren’t this picky.” Had I known this I would have not automatically trusted a USAA company to be the best choice. My advice is KNOW YOUR POLICY, and be able to communicate clearly to your veterinarian about what language needs to be used on an invoice. It sucks, in the face of an animal in crisis to have to think about it this way, but alas here we are.

I have problems with digital forms vs physical forms....since that was not an offered item.. The representative who worked with me for the policy had a good document access while deciding.

They suck. Will do anything to not pay a claim!

The company didn’t charge me for July payment. So I called to alert them. Now they are charging twice in one month without any notification. I did call. Twice. Your people said it was an issue with your payment processing people. I understand crap happens but alert your customers to expect two charges in one month

Takes a long time to review and approve claims. Was told when I signed up for the insurance claims would only take 3-5 days. It can take up to over a month. Otherwise I have 3 dogs under the unlimited plan and the charge per month is not terrible and the reimbursement is set for 80%. It's just the turn around of getting reimbursed