Underwriting is very unfair. Would give a “0” if it was offered.

It has been the worst pet insurance company. We also purchased wellness coverage for both dogs. They claim to cover so much until you file a claim. This crap company denial rate is through the roof. They have no staff to help, your claim sits for 4 to 5 weeks before they deny your claim. Customer service is for sh_ _. After another denied claim even my vet wrote in letters correcting them and hey denied it again. It cost us $129.00 a month, we spent $3,800.00 at the vet's office and received $33.60 back with a $500 deductible. Everything comes back as PREEXISTING CONDITION. My dog has an ear infection 2 YEARS before this insurance and they label it as preexisting. MetLife salespeople told us items such as vitamins were covered. Their claims department denied vitamins again with the term PREEXISTING, preexisting because she was on them before the insurance start date. RUN away from this company and just think what they do with their other lines of insurance. The experience and service beyond terrible. I recommend that you never use MetLIfe Pet insurance.

We have been members for barely a year and our rate already increased. Our first claim took a while to be processed and it was very simple and straightforward. Our reimbursement has not yet gone through to the proper bank account. I have called and emailed multiple times to get an answer with no luck. Tried to update bank account details on app and it keeps glitching to no success. When I was finally able to update and to talk to someone on the phone, nothing has been done yet and it’s been almost a week. Not what I expected. Don’t want to imagine what happens if you had a complicated claim.

This company is horrible. I had an underwriter decline my dogs SAR diagnosis stating that he had been blind before I adopted him. He had seen at least 5 veterinarians before I put him on the policy and not one of them noted any blindness. It literally happened overnight per my vet who also wrote them a letter. Save your money and go to Healthy Paws. They are a much better carrier. The sad part is that I have Embrace a shot because my agency sells their product. I have told everyone who will listen what a terrible company this is. I haven’t recommended this product to anyone ever again.

They don't pay for any claims! Beware! I put in one claim they asked for more medical records,,AND SENT IN MORE RECORDS from the new VET and then they refused payment stating I needed previous medical records from previously!! How can i get previous records when she was a Rescue cat?? They Never said that when i signed up with them. They just don't want to pay any claims! I had their better ins where they suppose to pay 90% of the visit. They Paid Nothing!! and I had to pay over $850 out of pocket!! STAY FAR AWAY...NO GOOD!

I have submitted claims for my cat's meds in the past and was reimbursed. Now they are saying it is predisposed and they will not pay me. Also they are becoming a lot more strict and time consuming on claims.

Ive had petsbest for my two cats for a few yrs. This past July my poor calico had to go into the ER for respiratory issues that she'd never had before. She had fluid that kept building up in her lung cavity and the ER said she needed to stay for "EMERGENCY OVERNIGHT CARE"... She was in there from Tuesday until Fri night. PetsBest tried to say her "EMERGENCY OVERNIGHT CARE" Falls under routine "officevisits/exams" therefore they would not cover it... No where in their "office visit/exam" section of the policy does it state that "EMERGENCY OVERNIGHT CARE" is considered under the office visit. I feel any common person would assume "emergency overnight care" would fall under the section of "emergency care" 🤷🏽‍♀️ but I guess petsbest doesn't consider it so. Their policy is beyond vague so you really don't know what's actually going to be covered till after the fact. Which they take FOREVER to finish claims. They also did not cover the fee of the overnight doctor informing the morning doctor how my cats progress was doing and a medication that was given to my cat at the ER that was not covered due to it being an over the counter drug which they said fell under the category of "prescription medication" even though that medication was not prescribed to my cat and was only given to her at the Emergency clinic. I can slightly understand that one but the fact they consider my cats "emergency overnight care" as an office visit makes me livid and I will be cancelling them as my provider for my other cat. Would not recommend them to anyone else I care about for their pets!

First policy renewal and the premium doubled!! No claims at time of renewal. Bait and switch tactic which will now cause issues when I change back to our previous insurance since they will be new pets instead of having a history on the policy. And because I had a claim (just after the policy renewal) now that will be a preexisting condition on any new policy and won’t be covered in future. Really got screwed over with long lasting repercussions.

If I could give negative stars I would. I had numerous calls with my salesperson, with assurances that every service I anticipated would be covered. He sent me cute pics of his adopted pup blah blah. We submitted at least 20 claims every one of them was denied. Vaccines, spaying, routine check ups. I reached out to him by email and calls and never got a reply. I made a separate call to cancel the policy and just discovered it was never canceled!!!! CRIMINALS. What a scam!!!!

I was told a claims agent would call me back but never heard back. My claim was denied and I still don’t know why.