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

It takes way too long to get reimbursed!

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

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. For YEARS I’ve submitted the same vet documentation. It’s on file. It’s highlighted. It couldn’t be clearer if it were carved in stone. And yet, MetLife still manages to screw it up. Every. Single. Month. The excuses? Pathetic. “New staff.” “System issues.” “Someone forgot to read.” Give me a break. If any of us did our jobs this badly, we’d be fired on the spot. But at MetLife, this isn’t a mistake—it’s the business model. Let’s be real: MetLife Pet Insurance is a scam. Their “service” is a joke, their systems are garbage, and their customer support is useless. They trap you with pre-existing condition clauses, then nickel-and-dime you while denying legitimate claims. They profit off failure, and they do it shamelessly. If you’re even thinking about MetLife Pet Insurance, take this as your warning: don’t. They don’t deserve your money, your trust, or the right to call what they do “insurance.” As soon as I find a provider that doesn’t treat customers like garbage, I’m gone. Fix this, MetLife—or don’t. Either way, I’m done being polite. You’ve burned the bridge, and I won’t be silent anymore.

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."