It's nice to have the peace of mind with pet insurance. I have the Preventative health in addition to the illness insurance. How wonderful to actually get money back from going to the vet! The reimbur... See more
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Review summary
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Super easy to submit a claim and consistently quick in paying out. Occasionally they request additional info, but are clear in what they need. I have never had a claim denied. I love that I can combin... See more
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I have never used pet insurance before, partly because I thought it was not a good value... MetLife offers great options for those looking to insure our four legged family members! Reasonable coverag... See more
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Email communication with MetLife is easy and responses are received on a timely basis. Chats are also quite good with company reps. polite and knowledgeable. Explanations of why MetLife is paying,... See more
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Company details
Written by the company
MetLife was founded over 150 years ago to help families navigate life’s twists and turns with financial protection. But then in 2020 we realized something: who rounds out a family better than our pets? And thus- MetLife Pet Insurance was born. Backed by a group of pet lovers determined to treat your pets as if they were our own, MetLife Pet Insurance strives to help you make sure your furry family members are protected. Our comprehensive pet insurance policies for dogs and cats help you cover the cost of injuries, illnesses, pet meds, holistic care, emergencies and more- allowing pet owners to help give their pets the best care possible. We also offer a unique family plan,1 which allows pet parents to cover up to three pets on one policy, and even offer a 0-day waiting period on accidents and optional Preventive Care benefits.2 That means no matter what your pets are getting into, they can be protected by midnight on the very same day you enroll in a policy. This commitment to helping provide pet parents with the best pet insurance possible, may be part of why MetLife Pet Insurance has won the “Pet Insurance of the Year” award 4 years in a row. 3 But that’s not all. Here at MetLife Pet, our passion for animals extends beyond the home. That’s why in addition to offering cost-effective pet insurance for dogs and cats, we also work with hundreds of animal shelters across the country to help our furry friends find their forever homes. Because at MetLife Pet, our pets are more than just animals. They’re family. 1 Coverage options may be limited for certain ages. 2 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans. 3 “2022, 2023, 2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois). ©2025 MetLife Services and Solutions, LLC. All Rights Reserved. L4805429[exp0927][All States and][No Territories]
Contact info
400 Missouri Avenue Suite 105, 47130, Jeffersonville, United States
- 1-855-270-7387
- pet_info@metlife.com
- metlifepetinsurance.com
4.7
Excellent
11K reviews
Asks customers to review
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MetLife Pet Insurance Claim Process Experiences and Feedback
Some points I wanted to mention from my recent experiences with MetLife Pet Insurance:
1) It is very frustrating to provide all requested information that is not reviewed by a person, but rather an automated bot that can make decisions. When you’re paying a generous amount of money to protect your pets, it should be a standard to provide exemplary customer service and actual review of these items. It is unacceptable to have the customer need to catch mistakes missed by a whole MetLife process.
2. Chat reviews and processes need to be updated. The last chat I attempted sounded robotic as if it’s an AI agent. Responses were not answering questions, not providing any detail, and attempting to end the chat multiple times which caused far more confusion and frustration than when I received the incorrectly filed EOB. Responses from the agent proved clear that my messages and files had not been reviewed. The agent tried to end the chat, I said that I was still not sure of what the issue/answer is so the chat should not conclude, she noted that “the SOAP notes were never submitted.” I’m not sure how we can go from wanting to end the conversation to telling me information was missing (it wasn’t). When asked for a copy of the transcript, the agent told me to “take screenshots” followed by ending the chat.
3. Immediately following this chat experience, I called in and spoke to Miranda who was so incredibly helpful and polite. She was able to review my claim information and noted that the auto review incorrectly categorized it and thus closed it. HOWEVER, she assured me that she would have a live adjuster review the claim (which ended up in receiving my reimbursement). Had it not been for Miranda, I would’ve switched insurances as this was now the second instance where I had to looking for errors after ensuring I provided every piece of information requested.
4. It was from the phone call I learned that chat messages are not AI agents (which is further irritating given the lack of any information provided), and that initial reviews are screened by an automated system. If this system can deny a claim, it needs to be HEAVILY reviewed and reformed to ensure customers/clients are receiving CORRECT answers without having to dig for the error.
Overall, these are issues that can be fixed, and I hope they are. But until customers can be certain their claims are reviewed correctly, I wouldn’t recommend MetLife.
21 July 2026
Customer Service
Getting a hold of a real person on the phone can be a little lengthy, but once I did their help was incredible! They were happy to help me and remediate an issue that popped up due to “automatic approval/denial process”
20 July 2026
May use AI-assist with repliesRead more
At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.
Bad Faith Claims Handling
Honestly, as a medical health professional myself, I could not believe a claim representative would overlook standard of practice and require additional documentation when the veterinarian’s notes were very clear and supportive of the treatment provided… A total disgrace!!! If you’re really interested in providing better service, please feel free to call me at any time!!!
12 June 2026
Reply from MetLife Pet Insurance
Hello, Barb. We are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further. Please email us directly, with your contact information, at pet_feedback@metlife.com and a team member will reach out to you directly. Thank you.
Easy quick process
The process is clear for submission of claims and it was quickly processed.
23 July 2026
Reply from MetLife Pet Insurance
Hello, MB! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Simple and very quick start up with…
Simple and very quick start up with plenty of information along the way
30 July 2026
Reply from MetLife Pet Insurance
Hello, Jeremy! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
The website is easy to understand
I was able to compare rates easily and go through the different options without committing to a contract.
29 July 2026
Reply from MetLife Pet Insurance
Hello, Josephine! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Reply from MetLife Pet Insurance
Hello, Christian! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Was easy and clear
29 July 2026
Reply from MetLife Pet Insurance
Hello, Alejandro! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Reply from MetLife Pet Insurance
Hello, Donna! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Easy sign up
29 July 2026
Reply from MetLife Pet Insurance
Hello, Jennifer! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Such an easy website to use.
29 July 2026
Reply from MetLife Pet Insurance
Hello, Manuel! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
MetPet was always there when I needed…
MetPet was always there when I needed them. Right up til my Great Pyrenees passed away last week.
Compassionate, competent, excellent customer service and they understand the medical issues that dogs run into.
It will be difficult to get another dog anytime soon but if I do, I will go right back to MetPet. Five Stars! Thank you.
29 July 2026
Unprompted review
Reply from MetLife Pet Insurance
Hello, Glenn. We are deeply sorry about your recent loss. Please know that our thoughts are with you during this difficult time. We appreciate your time and feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Reply from MetLife Pet Insurance
Hello, Anne! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Reply from MetLife Pet Insurance
Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Easy and quick
This was an easy process, it was simple to understand and compare prices.
29 July 2026
Reply from MetLife Pet Insurance
Hello, Amber! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Referred by a friend who’s been very happy with the coverage and service
Referred by a friend who has been very happy with the service
28 July 2026
Reply from MetLife Pet Insurance
Hello! Thank you for taking the time to share a rating of your experience with MetLife Pet Insurance. Our team is happy to answer any questions you may have at this time. Please email us directly, with your contact information, at pet_feedback@metlife.com and a team member will reach out to you directly. Thank you!
Prices changed within 2 weeks
29 July 2026
Reply from MetLife Pet Insurance
Hello, Judith. We are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further. Please email us directly, with your contact information, at pet_feedback@metlife.com and a team member will reach out to you directly. Thank you.
It was easy and smooth to registere our…
It was easy and smooth to register our dog for pet insurance
29 July 2026
Reply from MetLife Pet Insurance
Hello, Carlos! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Reply from MetLife Pet Insurance
Hello, Jody! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
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