I’ve been trying to obtain a refund for a deposit I paid toward a covered spay surgery. Despite multiple calls and emails, I’ve received no response or reimbursement. The lack of communication from MetLife Pet has been extremely frustrating and unprofessional. On top of that, a separate claim was denied on the grounds of a “preexisting condition,” even though that diagnosis was not present prior to the policy start date. My veterinarian submitted a formal attestation confirming it was not preexisting, but MetLife still upheld the denial after their so-called review process. This experience has been incredibly disappointing. Between the ignored refund and the unfair claims handling, I cannot recommend MetLife Pet to anyone looking for reliable or responsive coverage for their pet.

Everything went wrong that could go wrong. This is your typical insurance company screwing you over. Processing the claim takes an extraordinary amount of time; the reimbursement takes forever; the items covered is sinister at least, and you're lucky if you get what they actually claim you will get, because they find reasons to deduct multiple items that you didn't know were not covered. I don't recommend them

Every time I put in a claim and send invoices, I get an email weeks later that they need more information. I have given you EVERYTHING that was asked for. I called and talked to someone after I resubmitted everything for the second time, and days later I get another email that I need to send in more information. Your company acts like your clients are trying to rob you. It was a wellness visit with immunizations- standard stuff and I sent everything, and they are still saying they need more. It seems that this is standard policy to hold off on paying people.

You have made major errors on 2 of my first 4 claims. One claim got assigned to a closed policy and one just closed and not processed by error.

Reimbursing takes along time

Do not like this company. I’m looking for another company as we speak.

We trusted Trupanion to be there when our dog Lola needed them most. Instead, they blindsided us with a cruel bait-and-switch. Last year, Lola had two masses removed. Trupanion applied a single $500 per-condition deductible — which we paid — and covered the rest. We assumed, reasonably, that we had met the deductible for that condition going forward. But when Lola needed surgery again this year to remove multiple additional masses, Trupanion changed the game. Suddenly, each mass was a separate condition, each requiring its own $500 deductible — five growths, five deductibles. $2500 out of pocket. That is not pet insurance. That is predatory fine print. Their policy language is intentionally vague, allowing them to redefine what counts as a “condition” whenever it benefits them financially. And they know exactly what they’re doing — exploiting people in crisis who are trying to save their pets. This isn't just a paperwork issue. This is real financial harm, emotional distress, and broken trust. On top of it all, watching Lola suffer while we scrambled to figure out how to pay for necessary surgery shattered us. Seeing how upset this made both Lola’s GB and the Feeder Lady? Unforgivable. If you’re a pet parent considering Trupanion: read the fine print, then run the other way. Don’t wait until your dog is under anesthesia to find out you’ve been deceived.

Starts off great and affordable, then they begin to gouge you year over year, my premiums are now 4x the cost of what I started paying. They provide no justification or clarification or notice upon renewal, and offer increase rated midway throughout the policy year..

Trupanion is associating a preexisting right leg issue with the left leg which was never an issue with my cat. A vet misdiagnosed my cats right leg. Three other vets had a different diagnosis. Trupanion will not go off most recent diagnosis. The manager that reached out to me was rude and not helpful. I have been told to report to my States Department of Insurance and contact an attorney. If their "customer service management" wants to reach out to you, it may be more stress as the one I had was awful.

Your pricing system was completely lying after I plugged in my dog’s information. This is a scam