TOTAL SCAM! Horrible service- look elsewhere. They rarely pay out on claims, if they do its a very small amount and oftentimes find reasons to not count payments towards your deductible. My dog has IVDD and this insurance policy (Secured when he was a puppy long before any problems) has been next to useless. I have wasted thousands paying on this policy monthly that they have DOUBLED since he started having medical issues.

My claims have been repeatedly denied because lack of "SOAP notes". My vet has provided all the information they have and so I'm basically unable to use this service.

I had a deeply frustrating experience with Dutch and Dr. Armstrong, a veterinarian licensed in Idaho, who treated my dog via telemedicine.

MetLife Pet Insurance does not acknowledge receipt of claims sent in by Veterinary staff on the actual day of service. Insured then has to send in claims as an email attachment. The claim is acknowledged as having been received and the clock starts ticking for processing at that time. No explanation is given as to what happened to the first submission.

Today I was very disappointed with this company. I scheduled two appointments for my kittens. For the second appointment, I never received a link for the video call. Then they offered to reschedule the visit for July 1st. Today is June 25th. Who’s going to wait a whole week just to speak with a vet, and then wait another 3 days for the medication? Don’t waste your time — go to a regular veterinarian instead.

The customer services was great but watch out for the fine print -

Their trying to avoide paying the claim.

Claims processing has slowed way down. It shouldn’t take weeks on end to process a claim, especially when it was for a sick visit.

Pretty slow

They are delaying the decision on the claim in every possible way. The first claim has been going on since November 2024, it is now May 19 2025 and still "in process". They are just dragging out time so that you continue to pay monthly. Ridiculous, we paid them for almost two years, our cat did not get sick, but broke a fang, insurance covers this case, our vet provided medical records and all the documents, but Healthy Paws kept asking for more and more documents, more exams, this lasted for three months, as a result, the claim was closed, in March 17th they received another veterinary exam what only they wanted for the claim. So for two months they have had all the documents what they asked but they only respond back that "review of the claim may take 10-14 business days"and repeat to ask us by email for the same vet docs what they have already! This company acts like a scammer. Tomorrow we will call to cancel this insurance and then send a complaint to BBB.