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

MetLife told me my policy had been canceled before the claim

Pet owner experience

I bought MetLife pet insurance through work because of an employee discount. When I submitted a claim, I kept getting automated notices saying documents were missing without identifying what was needed. After sending more records and following up, the claim was eventually denied on the basis that the policy had been canceled before the claim date. I say I have written evidence it was active. Customer service later described backdating a cancellation. I am working through it and would love to know whether going through HR helped anyone else.

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.