We still have a claim from April for a puppy spay. We did not get all the money back e have coming to us. We called and spoke with CS numerous times, but it is still there over a year later.

Very difficult to submit claims. Every claim needs doctors office notes even for annual routine visits and vaccinations. I was required to even get explanations of benefits from my prior pet insurance. I never had to jump through so many hoops with pet insurance as I do with MetLife. I am sorry I switched.

Another month, another denied claim. Same bullshit. Same excuses. Same broken system. At this point, MetLife isn’t just incompetent—they’re predatory.

The SOAP notes have been holding me up. The vet office doesnt typically share these so I have to make several additional attempts to gather everything needed to get a claim paid. I wish there was a direct line from the vet to the ins so I didnt have to ask for this each time.

they used to be good and covered all the advertised. Now they nickle and dime and are advising g a 35% rate increase. I plan to cancel soon.

Claims take too long

Your AI screening is erroneous and quick to decline claims. Your reviewers assign their own diagnoses and claim the claim submission is pre-existing, as opposed to what the veterinarian has listed as a diagnosis. Multiple appeals due to errors on your part. I would change insurance companies if I could, but then my dog's issues would be "pre-existing."

Multiple claims on a 30 day policy the shelter gave us and one we purchased. No prior exclusions and wellness included yet EVERY claim has been denied or delayed. We need x to pay. we provide it. Oh now we need Y to pay and the payout timer resets to another 30 days. Sales rep said 10 day easy repayment.

Put a claim in in July and still never got reimburse. Called 7 times and sent in soap notes 3 times and still nothing

The coverage has helped my puppy . The pricing really rises fast, it doubled in just four years. But overall it's a good insurance.