Stated benefits before signing up were not honored after signing up. 1st claim was not reimbursed in full.

I very disappointed in this company my one year old English bulldog ended up with aspiration pneumonia and was very sick . We took him to an animal hospital because he started vomiting on a Sunday and his vet office was closed. They kepted telling us how Expensive the bill was going to be we understood all of that told them he had insurance they were happy to know that. He had one overnight stay and had to be in an oxygen box to help with his breathing. We found comfort in knowing we had him on insurance when this happened only when I submitted everything and it was denied for us to get anything back. We was going to renew his policy but not after finding out that won't cover any of this bill!!! Update I have called them very Frustrated wondering why and the lady informed me that they needed a an invoice of every single thing and was charged. Well that was the one thing I didn't have so then I had to call the animal hospital and they sent it email to me and I emailed that to them have yet to hear if they're going to do anything with that since they claimed that was the reason they denied our claim.

I’ve been with MetLife Pet Insurance for several years and have never had any issues—until now. Lately, every time I speak with a customer service rep, I get different information. I’ve also been told I need to wait three business days just to speak with a supervisor. When I submit a claim, instead of being notified that additional info is needed, the claim gets closed. Then the only way to reopen it is by filing an appeal that must be signed by my vet—which is a lot of extra work that could easily be avoided with a quick email or call. These claims are expensive, and waiting months for reimbursement is incredibly frustrating. I really hope the process improves, starting with easier access to supervisors—maybe even offering scheduled callback times instead of playing phone tag. It would make a huge difference. I truly miss how this company used to be.

Not enough diagnosis options for the claim.

Reply from MetLife Pet Insurance

Premiums on 2 young dogs went up over $100 yr. Started at $120/mo, in 3 yrs it is over $300/mo, NO CLAIMS! Thieves, run away!!!

Wish I could leave 0 stars. Got a random $250 charge after a year since I purchased ONE item from them. Customer service is terrible and won't get you anywhere. My dog who the product was for to try and save him just passed away and now I have this charge. Way to kick me when I am down.

I’m learning the hard way that this is the pet insurance company that I should have bypassed for another. They were promoted, or affiliated with USAA which has all of my insurance policies, so I went with them. This is your typical “first option is to deny” insurance companies that they are so famous for.

I was transferred over from ManyPets, and assured that my dog's preexisting conditions (allergies) would be covered- both from ManyPets AND Odie, before I agreed to be transferred over. Guess what - my dog's allergy treatments are NOT covered as promised. Also - horrific customer service. Nobody answers chat, nobody answers the phone. Emails take a week or more. I had claims for 6 weeks - still unresolved after weeks of followup. I filed a Wellness claim (for flea treatment). Outstanding as of weeks. I was also told that the minute you file a Wellness claim, you are on the hook for the remainder of the year's premium - even if you try to cancel. They will take your money regardless. Stay away. What a scam.

I’m disappointed that I was told my pet was able to get instant coverage if I signed up in the office. I took the offer. At the conclusion of the office visit I submitted a claim to see how it would work. I was instantly denied because coverage just started that day. That is misleading and false advertising. Now on top of that, if I decide to continue with this insurance the condition I took my dog in for would be considered “pre-existing” and she’ll never be covered for it. Turned me right off. I was going to continue after the 30 days free but you lost my trust immediately. No thanks.