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.
Owner Experience
MetLife told me my policy had been canceled before the claim
Pet owner experience
Adapted from a publicly shared experience · Original discussion. Personal identifiers are changed; reported insurance details are preserved. This adaptation was published October 2026.
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