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.

I get the Pet Insurance so that I can be able to go and do the things that I need to do for my animal so I can afford it. Just to find out that I have to go and pay for a physical examination first before you’ll even consider ensuring them, which is also covered by the Insurance no I didn’t end up going with a plan.

Terrible customer service. I was hit by one of their customers and it's a nightmare trying to get the car fixed and a rental car. It is days before hearing back from emails. The check was somehow sent to an incorrect address and took a month to find out why. You get what you pay for and this company must be the cheapest insurance option available because they have the worst customer service I've ever experienced.

I had already got a quote and had to request a second quote which was higher than my first. In addition I have not received any new information on if it was approved or not

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 love that I had your 30 day trial. Helped me lots with my pups broken leg. But I requested multiple times for option packages so I can continue the insurance and maybe add another pup. I got no response!! My trial is running out .

**REPLY TO DUTCH: Your team never reached out to me regarding tracking, your response is misleading. **INITAL REVIEW: They are missing the mark on user experience. Getting an appointment is great but it is impossible to find and track your pet's paid for medicine order. Told it would arrive in a day or two but no order or any tracking available on their actual site, I never recieved an email about my paid order, nor a text. Two days later I'm wondering what's going on, no notifications. I had to find the order via the webpage on my phone where I placed and paid for it initially, thank God I kept the page and didn't x out of it. Then was directed to a third party app from Shopify to track the order and there isn't any tracking there either. Dutch should have all of this information in one place, similar to Amazon. I shouldn't have to go to three different places to find and track a medical order. I still don't have any updates. One med says in transit but no tracking information, the other three look like they are sitting in the queue but again, no update. It's stressful, especially when you have a senior dog in pain. This site should allow images to be uploaded so that I can show the complicated steps it takes just to track medicine orders.

Very difficult to submit claims. Every claim needs doctors office notes even for annual routine visits and vaccinations. I was required to even get explanations of benefits from my prior pet insurance. I never had to jump through so many hoops with pet insurance as I do with MetLife. I am sorry I switched.

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

Another month, another denied claim. Same bullshit. Same excuses. Same broken system. At this point, MetLife isn’t just incompetent—they’re predatory.