MetLife Pet Insurance Reviews

MetLife assigned the diagnosis of “gastroenteritis” to my cat, not the vet. The vet only mentioned vomiting in the clinical notes. I have found out that vomiting in cats can be caused by a variety of factors and is not always due to gastroenteritis. So the vomiting during the waiting period could have been an entirely different issue than later vomiting. Now my cat is being worked up for IBD or lymphoma and I can see that future claims will be denied because of that one vomiting issue during the waiting period. I wanted insurance to be able to give my cat whatever treatment he might need in the future. I’m sorry I didn’t listen to my relatives who had had bad experiences with insurance.

This approach undermines the reasonable expectations of policyholders and significantly limits the practical value of the coverage. Policyholders continue to pay premiums while legitimate veterinary expenses are denied. I strongly recommend that prospective customers carefully review the policy terms and consider the risk of claim denial before purchasing coverage.

It is my understanding that the company is backed by large institutional investors, such as BlackRock and Vanguard. In my opinion, this financial backing may contribute to the company’s ability to operate with limited accountability to individual policyholders, as potential losses from denied claims appear to be offset by substantial investment support. From a consumer perspective, this creates an imbalance in which the financial risk is effectively shifted to policyholders, while the company remains protected by its capital structure. This further reduces confidence that claims are evaluated primarily based on fairness or the actual medical circumstances of the pet.

After speaking with another agent, I told her that I would contact and obtain the clarification from the vet, which I did. She knew that and so did the Appeals dept. The Appeals dept. rendered a decision BEFORE I got the clarification/amendment from the vet denying my appeal. THE VET AGREED THAT THE LAB WORK WAS INVASIVE and that she suggests sedation even if an animal does not have pre-ex anxiety but shows signs of fear/aggression while she engaged in the invasive lab work.

I emailed the clarification/amendment to a supervisor at MetLife last week and I am yet to hear back. I did not imagine that the Appeals dept. would not even consider the fact that one of their AGENTS gave me the wrong information and they did failed to wait for the clarification. Now, they are telling me that I have until early Feb. 2026 to get clarification/amendment that I HAVE TO PAY FOR in order for them to reconsider. I should not have to pay! They rendered that decision without waiting even though I consistently contacted them and spoke w/ their supervisor numerous times. This was not right, and they need to do better as to pet parents.

That statement is inaccurate. I can see the deductions on my paystubs and the payments posted in the MetLife app. At no point did MetLife notify me of a missing payment, which reflects a failure to communicate a billing issue in a timely manner. I first contacted MetLife about this issue on December 4 and was told it would be resolved within 3 to 5 business days. More than a month has passed with no resolution or meaningful follow-up. On December 5, MetLife withdrew an additional $540.24 even though the policy had already been paid through payroll deductions. MetLife also scheduled further prorated withdrawals of over $500 and another charge of over $300 for January 1, which should never have occurred.

I canceled my policy solely to prevent additional unauthorized withdrawals. MetLife later claimed that canceling the policy made it harder to resolve the issue, despite having my payment documentation. I made repeated attempts to resolve this matter by phone and email and requested to speak with a manager or supervisor but was not provided access. I spoke with multiple representatives, including individuals named John, Amanda, and Monica, none of whom were able to resolve the issue. Follow-up communications consisted of repetitive questions rather than addressing the documented overpayment.

I am requesting a full refund of all overcharged amounts and correction of MetLife’s billing records. This experience has caused me to lose confidence in MetLife Pet Insurance’s billing and customer resolution practices.

The form was filed as soon as I received my receipt for the euthanasia, which was unfortunately almost a week later, but I appreciate that the euthanasia company gave me breathing room before confronting the reality of it all. MetLife then proceeds to drag its feet until two days after charging me for another month's coverage for Geek, who was, in fact, deceased, and then also rejected my claim saying my maximum was reached. Naturally I was disgusted, how do you dangle a carrot in front of a grieving family, and then also steal their wallet before taking away the carrot too? After multiple heated exchanges MetLife at least paid us back for the extra month of coverage because they're not idiots, just soulless and concerned about a lawsuit more than helping people.

They told us, however that we will never be getting paid for that 1 time claim form, which invalidates the purpose of the claim form. There's a major failure of communication, education, and humanity at MetLife, and I would encourage everyone to take their business elsewhere, and everyone working at the company not at the executive level to attempt to salvage their careers and work for any other company as they will undoubtedly be more ethical.

I have spent countless hours corresponding with them for over a year now and no one can provide answers in customer service, and they do not allow direct communication with the accounting department. Extremely frustrated and disheartened, with their ability to handle, track and reconcile payments. I will likely cancel and go with another company and truly hope this is a one-off situation and other are not struggling like I am!