MetLife Pet Insurance Reviews

UPDATE April 7th, 2025 After a frustrating experience with poor communication and unfulfilled promises, I finally had a positive breakthrough. The first representative I spoke with said they would contact the claims team on my behalf, but when I followed up days later, it turned out no information had been passed on at all. Only after speaking with DeVante — who was professional, kind, and actually took action — did things finally move forward. Just a few days later, my claim was accepted and I was refunded the full $5000. While the beginning of this process was incredibly disappointing and stressful, I'm truly grateful that someone finally took my case seriously and resolved it properly. Thank you, DeVante — your help made all the difference. I hope the company works on improving the consistency of their customer service, because experiences like this one show how important it is to have the right people on your team. ____________________ I'm extremely disappointed with the way my recent claim was handled — and I strongly believe the denial had more to do with the amount involved than the actual facts. My cat, recently adopted and declared healthy, suffered a clear accidental leg fracture from a fall. The treatment cost nearly $10,000. Despite providing full veterinary documentation, my claim was denied with the excuse that “illness coverage wasn’t active.” This is completely unacceptable — there were no signs of illness whatsoever, and the injury was sudden and traumatic. This was clearly an accident, which should have been covered. It’s hard not to feel like the company deliberately avoided taking responsibility because of the high cost. Even worse, the claims team never asked for clarification or additional documentation before denying the claim. When I tried to follow up, I received vague, dismissive responses, as if they hadn’t even looked at the medical records. This experience has been emotionally and financially devastating. Instead of support, I was met with indifference. I adopted this cat to give him a better life — and when I needed help the most, the insurance I trusted failed me completely. I wouldn’t recommend this company to anyone who values transparency, basic fairness, or compassion for animals and their owners.

MetLife has been a great decision for me and my two pitties. I was able to get a shared plan for the both of the them with a shared deductible. One of them has preexisting allergy issues, but the other is fully covered. I was able to get much needed dental cleanings, neutering etc and it was all covered. My only critique is that sometimes claims take a very long time to process for refund. I waited a month to hear back. But other than that, really great.