I will say that the customer service reps are fantastic. I’ve never had a negative experience when I’ve had to call. With that being said, I’ve had to call them way more than I think is necessary. The turnaround times between filing a claim and receiving the money is ridiculous. I have waited months for my money before. If that’s how long it takes then you need to be transparent about it and not advertise on the app that it will take 3-5 days. I also have had issues with the insurance reps denying things that shouldn’t have been denied, things that were blatantly missed on the forms, and making up diagnoses for my dogs that weren’t present. For example, one of my dogs who has since passed was on comfort care for cancer and for AVN of the hip. They didn’t approve any of his treatments for pain because they put a blanket statement saying it was DJD which was a preexisting condition (which that dog had never gotten any treatment for, it was only one line one time on a SOAP note for a yearly exam). I also had many issues with them delaying payment claiming that my vet had never sent them SOAP notes despite them being faxed, emailed and called about several times. I now get my SOAP notes emailed to me to submit with the invoices because my vet was so frustrated with this company. There are times I’ve had no issues at all but the issues I’ve had have been really bad and I’ve called and had to use my mean voice on the phone (which I never enjoy doing). I get a really good discount through my work so I’ve stuck with them, but when I consistently feel like people are trying to play games with my money and my fur babies I spend a lot of time and energy fighting back. Not trying to be negative, but if this company hopes to improve, I want to give honest feedback on my experiences.

My dog has a problem expressing her anal glands. We've been to the vet multiple times and will continue to do so on a regular basis. The Vet wrote a letter explaining that my dog has a medical condition and that this is NOT a cosmetic, elective procedure. Even after submitting that letter to MetLife, you continued to deny my claims.

3 months - new excuses - fraudulent company.

Processing could be a bit faster, still waiting for a claim submitted over a week ago.

I was told multiple times that I had exceeded my annual limit when in fact I had not. I wasted 2 hours of my time telling adjusters how to do their job. Luckily I work in the insurance industry. I was owed way more than what I received. It eventually did get fixed, after 2 hours of phone calls and 5 days later.

My insurance rate went up when I asked if it could be lowered and I was told that it could be lowered by $10 because I volunteered at the Humane Society however then I was told that the $500 extra that I got this year because of not using all of my insurance last year would be taken away. So I wasn’t able to get the $10 discount for volunteering.

Recently, the service has really declined. I had to submit a couple of claims for my dogs this summer, and each time, the information was entered incorrectly by your staff. The claim was entered under the wrong dog, twice. A procedure was entered incorrectly. And trying to get it corrected is a real ordeal. I'm still in the process. I was told my claim was "escalated" for review, but that was weeks ago. Very disappointing.

App sucks. This company truly needs to get there shit in order.

Reply from MetLife Pet Insurance

Payments for reimbursements take far too long. Mistakes are made and are difficult to resolve, requiring long phone calls for attempted resolution.