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?

We've used Healthy Paws for our two dogs' insurance for many years. Their rate hikes are absolutely astounding and unbearable once you start using the insurance or you're a few years in. Today, we got a letter saying they'll add a 2.99% credit card surcharge to their rates. Considering their parent company, Chubb Limited, brought in over 55 billion dollars in revenue in 2024, they should be able to cover credit card fees. Terrible. Would not purchase again. Stay far away from these money-hungry grubs.

I have to submit SOAP notes just to get a claim processed? That’s ridiculous. I’ve had both of my dogs insured with MetLife for years, and the constant hoops I’m expected to jump through now are exhausting. For the thousands of dollars I pay annually, I shouldn’t be treated like I’m trying to cheat the system. The level of mistrust MetLife shows toward both me and my vet is insulting—and frankly, unacceptable. This company has become more trouble than it’s worth.

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.

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

If I could give Odie zero stars, I would! They do not care about the law at all. They've violated several Colorado laws on multiple claims I’ve submitted. They refuse to answer their phones, lie and claim they called when they didn’t, provide unreasonable and contradictory explanations, ignore the policy terms I originally had with ManyPets, and refuse to pay claims altogether.

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.

Taking longer than anticipated for the underwriting process.

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.

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