Pet insurance research & comparison for dogs and cats.Provider data reviewed September 2026
Best Pet Insurance PlansCompare Plans
Owner Experience

MetLife connected a July emergency visit to diarrhea noted in 2021

Pet owner experience

I have had MetLife since 2021 and barely used it, just a couple of small claims. This July my dog needed an emergency visit after several days of bloody stool. The claim was denied as pre-existing because they found a vet record about diarrhea in 2021. I do not understand how they decided those events years apart were the same condition. I am trying to appeal with my vet’s help. Has anyone managed to get a claim reconsidered with evidence from their vet?

Adapted from a publicly shared experience · Original discussion. Personal identifiers are changed; reported insurance details are preserved. This adaptation was published October 2026.

Have you dealt with this too? Share a reply below, or start your own experience.

Join the discussion

${emptyMessage}

Join the conversation

Have something useful to add? You can reply without creating an account. Replies are reviewed before appearing here.

Avoid policy numbers, addresses, medical records or other private details. Your email is never displayed.