PetFirst Pet InsuranceReviews of petfirst.com

I have had MetLife pet insurance for almost a year and I have yet to receive a dime from them. It is always something. They need additional information. The app isn’t working. Not able to upload my documents. The network is down….blah, blah, blah….oh now we closed your claim. Now after dealing with all this 10 months after I left my nationwide pet policy they are asking me for a declarations page from Nationwide. Why wasn’t this handled when I signed up for the MetLife Policy. I asked if they needed anything else from me. Also my claims have been open for months, than they will send an email and close the claim within 5 days if you don’t supply whatever additional documents they need. So I am suppose to check my email everyday? This is a scam. I am not even making a claim for anything major. Literally a vet visit/vaccination. I can’t imagine dealing with them when there is actually an emergency. I know so many people that have Lemonade pet insurance and love it! No problems. Btw…I never write reviews. Good or bad. This is how horrible this pet insurance is.

I have been a customer of Petlife, now Metlife Ins. for over 7 years and the claim service is horrible. They just lost my mailed in claim papers. The claim was for the same and only medication for my dog. I had kept a copy, but the receipt hid the line for Apoquel. I explained this when I sent it to them, but it didn't matter that the claim was the same for 7 years. They keep raising the cost of the policy, however they service is the worst ever I can't go to another company as this would be a pre existing condition or I would have left years ago.

I chose PetFirst (MetLife) pet insurance as it is offered through my employer. The plan went into effect in November 2020. My dog developed diabetes and was hospitalized for diabetic ketoacidosis in February 2021. She had no symptoms of diabetes prior to the policy taking effect. My claim for her medical care was denied as a pre-existing condition because she has had polyuria and polydipsia in the past, though her vet records state that these were RESOLVED in 2018. PetFirst FINALLY paid my claim in 2021 after much stress. PetFirst is now refusing to pay for medications and supplies that my dog needs as a direct result of her hospitalization in 2021. They first claimed that they needed medical records that they already had, then they denied the claim, and said to look online for more information. The only information in their online portal stated that the claims were denied and that one of them was a pre-existing condition. I am now likely going to have to wait for a letter to come in the mail that details further why my claims were denied. What is the point of having pet insurance if you have to spend significant time fighting with them to cover medications, supplies, and treatments? I seriously regret choosing PetFirst, but I am now stuck with them due to my dog’s pre-existing conditions. They should be ashamed of themselves for the way they conduct business.

when I signed up for insurance for my dog. The insurance goes way up as your dog gets older. I was insured with them several years and easily paid $4000+ in premiums.I NEVER had a single claim. Then, Chance got Cancer, there was nothing they could do. We did the basic test, euthanasia and buriel and they denied his last exam and sonogram (a whopping $170). It took 4 weeks to process the claim. Out of my total, lifetime claim of $550...I am getting $195. Never ever again and I will tell anyone that listens.

This is a revision to my original posting. I've used PetFirst for years. I have 2 pets insured by Metlife. During the course of this time, one of my pets needed her leg operated on. Within two weeks, with my deductible subtracted, I did in fact receive the 90% reimbursement as stated in my policy. Later, I did have a billing mishap by their company, but was called and after conversing, it was rectified in a positive manner. The only thing I'd like to see improved at this stage is more understanding on dental coverage by accident in writing. I found the customer service to be pleasant on the phone after the email, not so much on the original email. But it evened out. This is one of the most affordable coverages available online, and they have paid for instances stated on the accident/injury policy in a timely manner.

Do NOT pay for this insurance! Go with the cheaper, AKC insurance which covers substantially more, has far less exclusions, and has shorter waiting periods. One example (of many I could provide): I am in the process of switching to AKC insurance and submitted bills for my puppies to both insurance companies because both are currently active on my puppies - PetFirst denied 80% of what I submitted while AKC approved 100% of what I submitted! If I could give PetFirst zero stars, I would! Then there's the fact that in "PART IX - APPEALS AND COMPLAINTS" of the policy packet contact information including an e-mail address is provided (SubmitClaim at petfirst.com) and that all appeals "must be submitted...within 90 days" of the date on the explanation of benefits (or as soon as reasonably practicable) and "You may contact us using the information above." Well guess what happens when you e-mail that e-mail address in order to begin the appeals process? ABSOLUTELY NOTHING! So I call a couple weeks later and I'm told (1) I had to file an appeal within 30 days and I'm now over the deadline; (2) there's a specific appeal form that must be used (not referenced anywhere in the policy packet); and, (3) that e-mail address is not a monitored e-mail address but simply goes to a queue for claims submissions...needless to say I was absolutely ticked. Ultimately, they did accept my appeal, though that was denied (no surprise there).

I've had Petfirst for several years even before it became part of MetLife and they have always had the best rates, customer service, and ease of claims. I adopted my dog 10 years ago and they saved me on any expensive procedures and also covered him at the end of his life. I have nothing but good things to say about them and definitely worth it! 5 stars

I just canceled my policy with PetFirst (MetLife). After one year of coverage they automatically increased my monthly rate by nearly 40%! That's an insane increase, and that's with no covered claims! I asked the customer service person if that policy was reflected in my contract and she said, "no, we just automatically increase the price every year at renewal because your dog is older." What? So in essence after the first year they can charge you whatever they want every year and we as customers have no say. I said bye. These are questionable practices at best and I'm hoping I can find another pet insurance company who will conduct themselves in a more reputable and honest way. Buyer beware.