It is easy to submit claims - but takes really long to get reimbursed for visits. Although Once it is approved, it gets dispersed immediately to my account.

I've tried calling and emailing so many times with questions about my claims, and haven't been able to connect with a live human to help me. The only humans I've spoken to were the sales people who set up my premium. Very disturbing. My dog has had to see the vet numerous times since we recently adopted him. I'm grateful to have insurance, but the claims submission process is spotty and inconsistent on your phone app and online platform, sometimes telling me you need additional info when you shouldn't. It is causing me to lose trust that MetLife is accurately calculating what I'm actually owed in reimbursement or not. I am trying to be better about submitting soap notes with the invoice, but there is understandably a delay with acquiring these documents--soap notes and test results are not available immediately after service. So... I suggest you give clearer directions to your customers on how to submit claims so that they aren't bombarded with emails from you saying more documents are necessary. There should also be a clearer log of claims submitted, processing, and EOBs.. it's very clunky and I've resorted my making my own table on Google Sheets to track this all. I'm doing so much more work than I thought I'd have to, on top of handling the stress and emotion of my sick dog.

I recently put in 5 claims at different times and they were bundled together, causing confusion and delays with all 5 claims. When the issue was only with 1 claim. It took over a month to resolve and several phone calls and no clear resolution in the beginning. Because the claims were all consolidated a few claims were missed, and a few more phone calls were needed. Very frustrating experience by far!

My only complaint is how long it takes to get reimbursed.... it always takes about a month for that to happen and it would be nice if it was sooner

Metlife regularly makes mistakes when applying the incurred charges. It is apparent they lack quality control when processing claims. I've had to reprocess several claims due to their errors. Invoices clearly state the incurred charge, but when processed by Metlife random amounts show up in the incurred charge column of the EOB.

Denied my claim after multiple requests for information. All information requested was sent and then claim was denied without legitimate reason stating information was not received even though i PERSONALLY emailed everything to claims dept and on app. Sent SOAP, proof of coverage from previous insurance & doctors note for requested information.

NO ONLINE ESTIMATES DIFFICULT TO CHANGE POLICY AT ANYTIME DURING THE YEAR THE CUSTOMERS HAVE TO GO BACK AND FORTH TO GET THEIRR ESTIMATES You company does not provide ANY online estimates for what's available for coverage. This is crazy. I wanted to see how my rate would change if I changed my policy. WHY is this a secret? There is all kinds of tools available to make this happen. I also have Healthy Paws. I can at any time make a change to my policy. It will calculate the rate if I decide to change. So I can make a informed decision. It's almost like a negotiation. I informed that I had to call in a certain window to change the policy if I want to. I am disappointed that this is not at my fingertips. So what can be done to make this happen. Please see the Healthy Paws model. It would be be great if you could develop yours like theirs.

The app states the claim will be assigned in 3 business days. That has never happened. The last claim I had to resubmit 3 times and took almost a month to be assigned. It has always taken much longer than what is promised.

The last two claims were handled incompetently causing unnecessary back-and-forth emails which delayed the reimbursements.

Takes too long for reimbursement. I was NOT made aware that you can use ZELLE on their app. to.be able to get reimbursed much quicker! I wasted a lot of.time attempting to FAX, both my DVM BILL and found out.after weeks of waiting that METLIFE REQUIRES a SOAP NOTE from the DVM, which most Veternarian Offices don't provide without asking for it do to MetLife's Claims Policy. Also, I had purchased most of.my puppies from PAWRADE and found.out over a year later that all my dogs are considered in the Bull Dog Family and they took.my Payment of an additional $250 for a 10 year of.a HEALTH GUARANTEE of your puppy and it took a mortality of one of my puppies from a personal tragedy, to find out that my expensive FRENCH BULL DOG and my BOXER were EXCLUDED from their 10 year health guarantee as I was told by PAWRADE's 10 YEAR HEALTH GUARANTEE.