I’m a new pet owner December 2024 and wanted to do the right thing and get insurance so I did in January of this year but I don’t recall the representative telling me I needed to wait 15 days before the policy went into effect long story short I took my dog to the vet before the 15 days they said she has allergies so nothing pertaining to her allergies is covered because I guess it’s considered preexisting if I’ve never had a pet or insurance how was I supposed to know she had allergies so to me it seems like pet insurance is a scam and I’m more than likely will cancel my policy because she has to get a shot once a month and since I have to pay upfront why do I need the insurance?

The process is nice and seamless but started off paying less than $50 a month to now paying over $80 a month in just 3 years with my employer discount . The year to year increase is insane when I have a medium size pup, 4 yo with no health issues. I haven't had the time to research other insurance companies so I continue to pay unfortunately.

Overall MetLife is pretty good for pet insurance, however after the first year they hiked my monthly price up by over $30/month which seems astronomical. I’m terrified to see what next year will be, and whether or not it’s something I’ll still be able to afford. Claims sometimes take quite a while to be processed. Additionally, they don’t cover PT unless performed by a licensed vet, which is kind of a fine print thing. I was unable to find a dog PT in the state of CT who was a licensed vet. They are all licensed physical therapists or rehab specialists, but don’t have a DVM. Pretty disappointing since this was one of the main perks to me, having coverage for something very common, but costly and repetitive, that comes up, especially with larger dogs.

There is a lot of delay and frustration with the reimbursement process. Either my vet who submits my claims or me are constantly having to provide the same information over and over again. It is really nitpicking it seems sometimes. For example, an invoice that showed the amount due, the payment, and then there was an additional line item showing that satisfying the balance, and then a zero due line. That got pushed back at least two times with the reason being it didn’t show payment.

It’s a little difficult/confusing to submit documents and I’m constantly receiving alerts that more documents are needed with not much of visibility into why the documents I already provided are not enough.

Claims are getting placed on hold because the adjuster claims there is no invoice. I submitted 2 invoices with all of the info on them for meds. This is frustrating you have individuals who cannot or do not want to do their job!

Hard at times to send in for reimbursement and takes a while for judgement

Absolutely horrible. Claim has been declined 4x because of mistakes made by your claim reviewers. Unacceptable

She made me feel like I was annoying her and that I did not know what I was talking about.

I’ve had MetLife pet insurance on both my dogs for the past three years. As of lately processing claims has become a hassle and is often messed up requiring you to HAVE to pay close attention. Example is when processing a two claims at the same time (one for each dog) the app has automatically changed one of the claims from one dog name to the other on its own about a few days to a week after the submission. The problem with this is they will either deny the claim as a double submission or recently approved it under the dog who has 90% coverage vs the dog who has 100% coverage.