We have been with MetLife for four years now and this year both of my premiums jumped ~$20 for each of my girls. The customer service rep couldn't give me a good answer as to why. I ended up canceling our younger girl's policy and going with another company. I had to keep our other policy because unfortunately we are going through chemo at the moment. With chemo, we are asked to do a follow up CBC on week after each treatment, and after every single CBC, the claim is denied and I'm back on the phone with a rep trying to get them to reprocess the claim when it's clearly stated in the chemo POST note to follow up in a week with a CBC. This current go around, I've been hanging in limbo with MetLife over a claim for two weeks now and no one can seem to resolve the issue. At this point, my policy has renewed and I'm afraid the claim will go towards my current policy. If you are reading this and considering MetLife, please be prepared for ridiculous price hikes with no notice when your policy renews, a non-working app, customer service reps who are unable to help with getting claims processed correctly, and absolutely no communication/continuity of care when it comes to picking up where your previous call left off so you have to start from scratch each time you call about the same issue. Please consider going another route with your pet insurance. We've loved MetLife until this year. I'm not sure what's happened.

Do not trust their reviews.

For some reason agents kept telling me hadn't received my claims for almost 2 weeks. Then in same day 1 agent said had and another said hadn't received

I really appreciate the flexibility in creating a custom plan. The reimbursement is comparable to other similar per insurance companies. My review of 3/5 stars comes mainly from the reimbursement process. It’s unclear what exact documents are required for reimbursement, and almost every time I have to go back in to figure out what is needed. It’s not an easy or intuitive process. It’s very frustrating to get a delay each time, especially when waiting for a significant amount of money to be reimbursed.

Cannot get thru to cancel nationwide

I would put zero star if I could. I submit a claim a year ago in august , and still did not get a check . did not get any value for my yearly insurance will cancel for next year

When I chose this through my medical insurance carrier ad, it said discount on more than one dog but I didn’t get any discount so I feel like that’s false advertising

I’ve been a loyal Healthy Paws customer since we brought our puppy home 10 years ago. In all that time, I never missed a payment and only submitted a single claim—for under $500. I expected premiums to increase gradually with age, and over the years they rose to $105/month. Reasonable enough—until this month. Imagine my shock when I received a new monthly bill for $325—a nearly 200% increase overnight. Thinking it was a mistake, I tried to reach their customer service. It took two days and four hours of navigating their phone tree before I could finally speak to a real person. I was told the price hike was due to changes in underwriters and my dog’s age. No notice. No warning. Just a staggering increase. When I expressed my concern, their solution was laughable: I could reduce the monthly cost if I agreed to a $1,000 deductible and only 50% reimbursement on future claims. In other words, I’d be paying hundreds each month for a policy that would be nearly useless in a real emergency. Pet insurance is important. But if you're shopping for coverage, do your research and seriously consider other providers before choosing Healthy Paws. What started as a trustworthy company has become, in my experience, anything but.

I should have learned my lesson from my previous experience with MetLife pet insurance. They are horrible to work with. They take forever to reimburse for a claim. Your premium is always going up. They make excuses as to why something isn’t covered. Just a horrible company to have pet insurance through.

I've been a Trupanion member for 15 years. The coverage plan is straight forward and I had very few issues over the first decade. However, the steep rate increases over the past three years have been alarming. The justification for the inflated rates no longer lines up with rational thought and it feels like the loyal client base is now being taken advantage of, not being able to switch providers if pets have developed pre-existing conditions. Hopefully a more competitive insurance provider steps into the market to help correct the issue. Update: I've already spoken to representatives about my rising rates (64% increase in just two years, to be precise) and was given the same fabricated reply about the rising costs of veterinary care (and as someone who works in the industry, the inflated rates and their trajectory don't trend in a way that coincides with the prices). I'm not interested in hearing the same regurgitation, or the messaging around being committed to the care of my pets. I would be interested to see the trend of clients who have cancelled coverage over the past few years because your commitment to their pets has put such a strain on their finances... which is something Trupanion used to pride itself in avoiding.