MetLife Reviews

MetLife

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Cost:	1 2 3 4 5
Coverage:	1 2 3 4 5
Service:	1 2 3 4 5
Claims:	1 2 3 4 5

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MetLife Ratings

2.3 coverage
2.5 cost
1.8 service
1.7 claims
2.1 overall rating

Based on 116 reviews - 1 is lowest, 5 is highest

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1.3 overall rating
by Anonymous

Overcharged, Cancelled, Still Paying

My car insurance spiked after 3 years without any incidents. I switched carriers, but of course they still charge me every month.
0.8 overall rating
by Anonymous

Dropped After Claim

We had a flood in our basement. It was sewage, not just regular water. Six months after paying for the damage, they dropped us.
0.8 overall rating
by

Disability claim

I have been dealing with an ongoing medical issue. They have found ways to deny my claim even though my personal physician feels it necessary for me not to work. Metlife has said that I don\'t have adequate reason not to work. I never thought I\'d see the day an insurance company can override my physician. I\'ve had to appeal the decision for over 4 months now with no income.
1.0 overall rating
by Timothy

Delays In Making Life Insurance Claim

I called MetLife to file a life insurance claim. After making 3 calls and still being unable to get a claim form, I demanded that one either be emailed or snail mailed to me. I finally to email me one. After they received the completed claim form, they told me that it takes up to 10 business days to process a claim for under $10,000.
1.5 overall rating
by John

No Movement On Claim

We had a garage fire that spread to the roof of the garage and then moved into our living room and dining room. It destroyed all of the items in the garage. The adjuster drove out to survey the damage. Since that visit, there has been no re-construction done to the house. They have paid a little for some of the personnel loss items, but the claim still has not moved forward on the re-build of the house. It has now been more than 8 months. Our living expense allowance is just about to completely run out. It seems like they would rather pay for us to stay in a rental home instead of repairing my home.
0.8 overall rating
by Elaine

Promise Of Decreased Payments Not Met

I've been insured by Met Life for over 30 years. When I first purchased the policy I was led to believe that it was a 20 payment life policy. I didn't learn until much later that the policy is a full life policy. I was sold on this policy because so many promises were made... I should have realized that it was too good to be true. When I originally bought the policy the monthly premiums were $46 and now I'm a senior citizen on a fixed income and the premiums have grown to $162/month. The salesman told me when I purchased the insurance that unlike other policies, as I grow older the premiums would decease each month instead of increasing like other insurance companies.
1.5 overall rating
by Anonymous

Major Claims Denied

I have been sick (on-going) for the past couple of years and have submitted 2 claims that has been a hassle the entire time with the company. My first claim was due to surgery and I had to submit all this paperwork while almost dying, which caused several issues with my paycheck. The second claim was the same thing: I was in a bad situation health-wise and no matter what my claim gets denied. I am not faking an illness and found out I have 2 masses on my kidneys, so I do not need this nonsense with a company that knows my medical history denying my claims. I have worked too hard to get to where I am for the denial to cause me to lose my job.
3.5 overall rating
by Anonymous

Awesome

They have great rates. My agent takes good care of me and I have not had any issues.
0.8 overall rating
by Anonymous

Worst Customer Service

Seemed like a good deal. It's on the cheap side, but not worth it. Customer service is HORRIBLE. Simple thing like change of address, took 5 phone calls and 4 hours of my time. They took off my driver safety discount for no reason. Took another hour to get them to put it back on then they tried to only give me HALF of the discount than I had the previous 6 months. I have no accidents or points against me.
1.8 overall rating
by Anonymous

Denied For Not Going To The Doctor Enough

I had a heart attack in January. I got some short term disability checks, but it was always a hassle getting what you are owed. I then had another heart episode in July. I have not been back to work since. In September they stopped my short term disability and then said that my claim has been denied due to the lack of information from my doctor's office. I then started the long term disability process and was promptly denied on that before it was even started. I even paid for the long term disability myself through my work? My doctor has had me out this whole time. It was not my choice. Met Life does not like the fact he didn't see me for 3 months. He wanted to see how things healed up.
1.3 overall rating
by Anonymous

Claim Denied

We have MetLife for disability at the company I work for. MetLife looks for reasons to deny claims. Customer service is terrible. They have the doctors filling out forms over and over claiming they did not receive the forms. When you call, they switch you from one customer rep to another. They deny claims even when people have valid reasons for being out of work.
0.8 overall rating
by Anonymous

Rate Increase

They raise the rates every six months. Over the course of two years, my rates went up more than 50%.
0.8 overall rating
by Tim

Terrible Servic

MetLife has absolutely lousy customer service and practices. They took over the military dental program and somehow managed to make it worst.
0.8 overall rating
by Anonymous

Poor Service For New Customer

I was charged $50 more for the policy than I was quoted. There is a $4/month "processing fee" for each payment. I called my rep and his boss with questions, complaints, and received NO calls back. My insurance card was issued with two numbers of my VIN missing. Took the day off work to get car registered, but was unable to do so with invalid proof of insurance.
1.3 overall rating
by Anonymous

won't Cover, Claims Policy Was Cancelled

I was a Metlife customer for many years. My home foreclosed and I had to move. When I filed a loss claim Metlife said I had cancelled my policy with them BEFORE my move! I had called my agent specifically to see if I was covered for my move. I was told yes, I had coverage but when I filed a claim Metlife said I wasn't.
0.8 overall rating
by Anonymous

Crappy Service

I was in a accident with one of their insured and they are dealing with me like I hit them. I have been playing phone tag with them to get the car looked at by an adjuster for about a week now and have made no progress. They slow and full of excuses.
2.8 overall rating
by Anonymous

Awesome Agency

I have my auto and home insurance with MetLife. I have never been treated better in my life. I saved around $800 when I changed and they provided much better coverage than I had previously. I have sent over all my friends and family to this agency.
3.5 overall rating
by Anonymous

Happy Client

I have been with MetLife since 2008 and filed my first claim last month. My agent took great care of me. I was also not out my entire deductible since I have been claim free.
1.3 overall rating
by Anonymous

Rely On Technicalities

They gave me no information and then the wrong information. The result is that now I'm going to have to foot the bill for my dentist, who, through some technicality, cannot bill MetLife. MetLife is now giving me the run around, even though I had called previously to check and double-check that the dentist was covered. Now, of course, MetLife wants to get out of it, and leave me with the bill. They take no responsibility, even though I shows on their own records I had called to check on the situation.
0.8 overall rating
by Anonymous

Met Life = FAIL

We have been denied a wind damage claim to our roof when a tornado touched down 2.5 miles from our home. Then we were denied a hidden damage claim due to ice damming on the backside of our home. Metlife is AWFUL! They have all but doubled our rates without explanation, and the first adjuster KICKED my dog!
1.3 overall rating
by Anonymous

Backwards Customer Service

Metlife is a huge company which should have efficient billing and customer service systems in place. Instead, when transferring automatic payments to a new bank account, they have been one of the hardest to move, with no option to set up the payment online, extremely limited customer service hours, and a requirement to complete a bloated form and mail it in with a voided check. What century is this? My dinky local utility company allows me to set up free automatic payments online at any time.
2.8 overall rating
by Anonymous

Great Home Insurance

I had my home damaged in a freak wind storm. They could not have been better to work with! My roof needed to be replaced. We had expenses for loss of use due to the power being out. They were quick to send out an adjuster and payed in a timely period.
1.5 overall rating
by Anonymous

Canceled On

I have disability with MetLife. I had a nervous breakdown and was stuck in my home for three months and only then started to recuperate. All the while, Metlife had me running from doctor to doctor getting forms filled out, and wanted me to hand deliver them to my doctors so they could process my claim quickly. The forms were repetitious and lengthy, but mission accomplished and MetLife finally acknowledged their receipt, but then said it wasn't enough information, and another month said never received them, and then it was obvious that the very same forms had to be filled out each month. I had major difficulty making their paperwork my priority when I needed to start my recuperation and get back to work. Now, Metlife comes out of the blue saying my insurance is ending. Period.
0.8 overall rating
by Anonymous

No Response To A Quote Inquiry

I made a request for a boat insurance quote with MetLife nearly one week ago. I have repeated the request once during that week. I carry all the modern communication gadgets, so I'm easy to contact, yet I haven't heard a thing. It makes one wonder what would happen if I filed a claim for my automobiles.
0.8 overall rating
by G. Allen

Poor Customer Service

My husband had a heart attack and shortly thereafter we had about $20,000 worth of damage done by upstairs toilet overflow. Metlife sent their insurance adjuster and wanted my husband to crawl underneath the house. It's not my husband's job. It is their job. After we told him as much, he crawled underneath the house, pulled out some insulation and thankfully A LOT OF WATER POURED ALL OVER HIM. They made us feel as though we were wrong for filing a claim.
0.8 overall rating
by Anonymous

Denies Customer Disability Claims

They deny their customers disability claims while they have no problem taking insurance premiums!
0.8 overall rating
by Anonymous

Frustrated By Bad Service

After applying for and finding out that MetLife's quotes were far higher than the competition, I asked for my personal data to be deleted. They refused to do so, without explanation.
1.8 overall rating
by Anonymous

Poor Replacement Parts And Repairs

They began nice after I hit a deer on my way home one night from a friends house. Long story, short... My car was about 1 1/2 years old with 20,000 miles on it. They guaranteed that if I used the auto body shop they recommended, they would restore the car back to pre-accident condition. FAR from it!!! I had to fight to get them to replace the bottom side molding that they left on the car scratched and refused to repaint some scratches that the deer made on the back part of the car. Then today I just noticed that they replaced the front bumper with an inferior bumper. Not the bumper that came with the car that I paid extra for as an option. I am disgusted with this company and do not plan to renew with them.
0.8 overall rating
by Anonymous

Slow Claims Process

Two weeks ago, my boyfriend and I were involved in a car accident. MetLife is supposed to cover the damage since we were not at fault. It took 3 days for the adjuster to find the time to look at the car. During that time we made 10 phone calls to him, all were unanswered. The adjuster told us that he would send us a report assessing the damage. We waited a week for the report and only received one call during that time. The MetLife adjuster was supposed to make arrangement to have the repairs made, but when we contacted the repair shop, we found out that they had never heard about us or our car. When we then called the adjuster to see where the misunderstanding was, he (of course) didn't answer. This is not an example of good customer service!
1.8 overall rating
by Anonymous

I Was Paid Quickly

I had a claim on a home and auto policy at different times. Both times I was paid quickly, explained the process, and overall happy with the service. Calling the 800# though is TERRIBLE. Used to not be that way, but its like it is outsourced now. Price is a little steep, but coverage seems good.
1.3 overall rating
by Anonymous

Not Renewed After One Claim

I had the policy for years, but once I filed a claim they refused to renew my policy. The customer service and claims representative were very nasty.
1.0 overall rating
by Hattie

Customer Service Is A Waste Of Time

If you really fall for their cheap rates: expect to be unable to contact anyone useful to help you. Expect to speak to people who aren't informed on what they're doing and will talk to you with disrespect if you ask too many questions. Anticipate that your requests to received information on your account through the mail will not be honored. Expect to waste a lot of time trying to get basic questions answered.
0.8 overall rating
by Anonymous

Terrible Investigations Process

We filed an insurance claim with them when one of their insured hit out car. Evidence which supports our claim was ignored simply because their client was dishonest and denied being involved. It was a shock to see any decent company would refuse to carry a proper investigation.
1.3 overall rating
by Anonymous

Poor Customer Service

They have virtually zero customer service. They will not pay out on claims. Having them as an insurance provider is worse than having no insurance at all.
1.0 overall rating
by Anonymous

No Communication

After 22 years with Met Auto Insurance, today I ended our relationship. I have had a spotless record this whole time and yet today got absolutely no help from them at all. They cancelled my insurance months ago and I didn't even know about it. My address was the same, but the apt number wrong. They had my email address and phone number the ENTIRE time and couldn't be bothered to use them.
1.0 overall rating
by Anonymous

Poor Customer Service

What a terrible company. They raise rates without explanation. They are not responsive and are very difficult to work with. They have no interest in their policyholders.
1.5 overall rating
by Anonymous

won't Cover Costs of An Explosion

My family and I have suffered from a home explosion. Metlife is refusing to pay for anything. It's a pretty sad situation. They say that because we had a home fire 7 years ago and it was a closed case due to short in heating pad.
0.8 overall rating
by Anonymous

Horrible Customer Service

Insured passed away on 12/26. We filed a claim on 12/28. Metlife will not email, fax, or let you obtain forms online. They have to mail them to you. It's 1/12 and they still have not mailed the forms.
1.0 overall rating
by Anonymous

Had To Fight To Prove My Claim

I had a car fire over a year ago. They made me wait 5 months to deny there was a fire 5 different times. After I took the car to a Honda dealer, they contacted MetLife and explained I indeed did have a car fire. They penny pinched me the entire repair. I'm STILL waiting on a check to complete the repairs. MetLife made me pay for a diagnostic 3 times because in the first 2 it didn't explicitly say the damage was due to fire.
3.8 overall rating
by R. Lopez

Great, Fast, and Cheap Service

I have been a MetLife customer since 2011. When I just had a claim, my adjuster was GREAT, she sent me the appraisal the next day and took care of my rental immediately. She sent me the check within 3 days so I could pay the auto shop I chose. Every time I called her, she would pick up the phone within the third ring!! Those of you that had been involved in an auto claim will understand how unusual that is.
0.8 overall rating
by Jess

couldn't Get A Quote And Wasn't Told Why

I have been shopping around for new auto insurance. When I went to Metlife, all they could tell me is that they "couldn't continue with a quote". They refused to tell me why. They said that they didn't have any idea, that the system "wouldn't tell them." They said they could re-run the quote in the future to see if "something changes". I have not given them any personal identifiable information which would give them a reason to deny me. They don't have my social number, or my driver's license number. We never got to that point. I directly asked if they underwrote in my area and said they did. So why in the heck are they denying to do business with me? I have good credit, and a good driving record. I even asked them for a denial letter, and they couldn't even provide that because my request isn't even being sent to an underwriter! How can they make a decision not to insure me when they don't even know anything about me?
1.0 overall rating
by Anonymous

Poor Customer Service with MetLife Dental

Forget trying to get a pre-authorization, especially before year end. Also your dentist may need to send the request 4-5 times before they say they receive it and then when they deny it, they will acknowledge receiving the other pre-authorization requests. And be ready to be told conflicting information during the same conversation and then they will deny ever having said any of it.
1.3 overall rating
by Anonymous

Slow and Disorganized on Auto Claims

I had full coverage and hit a parked car. It took them over a month to settle my claim. No one called me back. When I did speak with someone they said everything was fine and the check was in the mail. Well... They sent my materials to the wrong address. My bill seems to make it to the correct address.
0.8 overall rating
by Anonymous

Awful Experience!

I could not get ahold of my rep, left numerous calls and voicemails with no reply.
1.8 overall rating
by Mike

didn't Renew After Claim

I was in an accident. They covered my claim, but put a do not renew flag on my account without informing me. I went 8 months without insurance and did not know it.
3.5 overall rating
by Anonymous

Great Company

I had a homeowner's claim this past year and was delighted with the prompt and professional service I received from MetLife. I had a check in hand within 3 days. They were not at all difficult to deal with and always returned my calls quickly. The work to repair my home was done by a local company and they even commented how impressed they were with MetLife home coverage. They seem to offer a fair price and follow up on the promises that they sell.
0.8 overall rating
by Anonymous

Weight Discrimination

I was recent declined coverage because of height/weight requirements, which were meet. I explained that everyone isn't build like Barbie. Discrimination at corporate best, and you have never seen me. So sad America!
1.0 overall rating
by Melanie

Low-Ball Total Loss Estimate

we've had Met Life for over 5 years. We insure 2 homes, 3 cars, dental, life, and legal. We just made our FIRST auto claim and it was a disaster! Customer service is rude, ignorant, and gives wrong information! They won't call you back. I've been hung up on, fussed at, and ignored. Worst part is, they just sent a check for $3,100 for our 2001 Prius (they are selling for $6,000-$10,000 now), saying "this is how insurance works--It's not our responsibility to make sure you can afford to purchase a similar car". I've search a 100 mile radius and found NOTHING close to that value! They pointed out a car for $4,200 for sale 100 miles away, stating this is the comparable vehicle they used to value my car...but it has a BLOWN TRANSMISSION!!! It can't drive! Now HOW is that comparable to my perfectly WORKING car?
0.8 overall rating
by Anonymous

Low-Ball Estimate

I was hit by one of their customers. They are trying to send me a check for half my damages... not to including the bills from my trip to the ER and doctor appointments. I tried to contact them before I got the check and was never called back.
0.8 overall rating
by K. Moore

I Wanted A Quote But Got A Policy

I called MetLife to try to obtain a life insurance quote. The agent said she needed my bank account info to provide a quote. I gave it to her, but told her she was not authorized to withdraw money. I cancelled the quote process, but MetLife took $136 out of my account and mailed me a policy, which I had never requested. I'm still trying to get a refund.
1.0 overall rating
by Debra

Bad Experience

My husband became very ill 7 weeks ago. He was hospitalized and his company recommended placing him on short-term disability. We had the doctor fill out the paper work and we received one check. Five weeks later, he was dead and we not only never received a check, but were told by Met Life that they weren't paying any more disability for his last days because he hadn't filed the same paperwork again. Now that he's gone, they are telling me it will take around a month for them to get around to paying out his life insurance policy. Meanwhile, the bills are stacking up and I've had to borrow money to meet the payments.
3.8 overall rating
by Anonymous

More Benefits, Fewer Costs

I got the Grand Protect Policy because my agent said that it had features that other policies didn't offer and they would benefit me. She was right. I've never seen a policy like this before. Not only does it offer me better coverage, it ended up being less expensive than my current policy.
3.5 overall rating
by Kyle

My Contractor Loves MetLife

I had a home loss. A few pipes froze and burst. I called a local contractor that I had seen doing work around town. He came over and took a look at the mess. He asked me who my insurance company was and I told him it was MetLife, he smiled and told me to call them. While I was on the phone with first my agent, then the claims department, he was on the phone with a company to clean up and started getting the water out of my house. After explaining what had happened, the claims representative asked me if I had someone that could take care of the clean up. I told them yes and they said to save the invoice, gave me a claim number, and that a claims adjuster would be calling to set an appointment. When I got off the phone I asked the contractor why he smiled when I told him MetLife. He said that they are the easiest company to deal with and they pay quickly.
3.5 overall rating
by Mike

New and Replacement Parts Coverage

When we first decided to switch insurance companies, we did it mainly for price. Well, words cannot describe how grateful we are that we selected MetLife. I stupidly drove out the entrance at a parking garage... and quickly. Before I know it, I tore up all 4 tires, destroyed my rims, and ripped out my exhaust system. When the wrecker got there he was telling me that my insurance company will depreciate my tires and exhaust due to the age and wear and tear. I was bummed. i called my MetLife agent to get an answer from him. MetLife does cover "new replacement parts" and doesn't depreciate for wear and tear.
1.3 overall rating
by Anonymous

Paid But Not Beneficiary

Anybody can change the beneficiary with just the insured name, birth date & ssn. I have been paying for my fathers life insurance since 1997 til June 2011 when he passed. They gave me the run around for 2 months and then told me I'm not the beneficiary.
1.0 overall rating
by Anonymous

Slow To Pay After Fire

Recently I had a kitchen fire, contained to the stove area. 3 cabinets, range hood, stove burnt. The smoke caused damage throughout the house. 2 MONTHS later, we are STILL waiting on final check! The adjuster arrived promptly, but would not replace cabinets, only strip and replace damaged ones--(we flipped out!--If you know anything about wood, varnish yellows over the years and they would never match). He then agreed to stripping/re-varnishing all of them. He tried to say the stove could just be CLEANED, but finally agreed to replace it. We were out of our home for two weeks while it was being professionally cleaned. We had to pay money upfront for hotel stays, after one week was finally given a SMALL check (after we HOUNDED them on the phone for it!) that supposedly would cover 2 weeks of hotel stays plus food. What a JOKE! It was so small, we ended up staying with my parents to save some money. 6 weeks later, we STILL had not been paid for structure damage. After several phone calls, FINALLY we received a PARTIAL check to cover costs. (My husband ended up doing most of the work because we had not received a check yet). They held back nearly $500. Was told later, that he had to submit receipts for the work before we could get the rest of the structure damage check. (He did most of the work!) Guess they expect us to just say OK.
0.8 overall rating
by Anonymous

Sided Against Own Customer

I had MetLife for more than a decade. When I was involved in a rear-end accident... my car was rear-ended... they sided with the driver of the other car so I was forced to pay for her repairs.
1.3 overall rating
by Anonymous

Cancelled On

I had Metlife for 2 years for auto insurance on payroll deduction. They stopped drafting my account once we were laid off, no one called, and they sent notices to an incorrect address. Although, I had filled out a change of address with the USPS a year ago. When I called to find a resolution, they stated the policy has been cancelled.
1.3 overall rating
by Anonymous

Dropped Because of Dog

We were loyal customers of MetLife for over 20 years. we paid out premiums on time for both our auto and life policies. One day our dog bit an individual who was provoking him. MetLife did not consider the circumstances of the situation. They told us to get rid of our "vicious" dog or they would drop us.
0.8 overall rating
by Becky

Claim Denied and Policy Canceled

I have been with Metlife for over 10 years. I had them come look at my roof for hail damage because my window screens showed clears sign of hail damage. We had two hail storms in my area within 3 months. They denied the claim and said because my 15 year old roof was in such bad shape they were canceling my policy. They also claimed I had no hail damage to my screens. Apparently the person took pictures of the non-damaged screens.
1.0 overall rating
by Anonymous

Paying For Damage I didn't Do

I had a bumper-to-bumper accident with elderly man. The only issue was some of my black paint on his back bumper. He said it would be buffed out. I talked to Metlife the same day and told them EVERYTHING including that I saw a scratch near his wheel well on side, but it was already there. They told me to take my own pics, email them and to go ahead and get my car fixed. Two and a half weeks later, Metlife called and said the older man said that there is damage on his side that I caused as he did not remember seeing it before so they sent reps to take pics of his and my car. The black on man's bumper is not there and he never told them about that, but he said that the scratch and NEW DENTS on side of his car are from me. It was his word against mine. They said this little corner of panel on side of my car PROBABLY popped out and did his damage and then it popped back in...RIDICULOUS!! So I got charged with an accident and damage that I DID NOT DO.
1.3 overall rating
by Anonymous

Worst Customer Service

I searched and found all the insurance companies much lower than what I was paying so I switched. BIG MISTAKE! I had a wreck in April. The customer service was awful! I could not get my representative to call me back for 8 days!!!! I called every day, several times a day, wanting some information, but all I received was a voice mail assuring me that she would get back to me promptly! When I finally reached her supervisor, he just defended her and said that they were really busy. How long does a 20 second phone call take? Just to call and tell me that she was busy and would get to me. Absolutely infuriating! It took 3 weeks before I knew that they finally "totaled" my car and then another 2 weeks before I received a check! 5 weeks!! Way too long to be without your car.
1.0 overall rating
by Anonymous

Cheap Repairs

We recently needed our windshield replaced. We have a zero deductible replacement policy with MetLife. They refused to let us have VW glass for our zero deductible and the glass that was used isn't even close to what we had. The sun shade at the top isn't there and the glass is so tight at the dashboard that no sun visor will fit now. Our agent called and called MetLife and after months, was finally told no to fixing the problem.
0.8 overall rating
by Maryann

Constant Cost Increases

I purchased home, auto, and excess liability from MetLife. After I signed up, a week later my auto policy increased as result of "underwriting review." They increased my auto policy 3 more times after their initial "review." Total increase within 5 weeks was $120. There was no explanation as to the increases, just more bills. The personal liability also was "reviewed" and that policy increased 3 more times within 2 months for another $60. When I contacted my "agent" she never responded.
1.3 overall rating
by Anonymous

Metlife is THE WORST!

I had no problems with MetLife until last year when my claim was put into the system. I am still waiting for the claim to be completed. I haven't had my car since December. It's summer now. My car caught fire and they kept denying the claim saying it was an electrical problem. They didn't want to pay the mechanic, so I had to pay.
0.8 overall rating
by Anonymous

Denied Roof Replacement Claim

I paid homeowners premiums to MetLife for 8 years with replacement cost protection. After a severe wind and hail storm they low-balled damages and refused to replace my roof. In the end, the arbitrator (Umpire) completely agreed with our side and awarded a full roof replacement. I wish I had known we would have to fight this company tooth and nail to stand behind their policy. Other homes insured damaged in my neighborhood with other insurance companies had their roofs replaced without issues.
1.0 overall rating
by Steve

No Response

MetLife claims will not answer their phone or return phone calls. How am I supposed to get my issues resolved and move on when no one at the company will help me?
1.3 overall rating
by Anonymous

Does Not Have Your Back

I was hit from behind and shoved into a large work truck while stopped in traffic. The work truck driver claims to have felt 2 hits, so driver at fault's insurance company won't pay damages. I got screwed. Metlife put an at-fault claim on my policy, raised my rates, and did not recover even half of my deductible. Person at fault was even ticketed at the scene.
1.3 overall rating
by Bruce

Poor Investigations

I had hail damage to home, pool decking, roof, and heat pump. The adjuster says damage wasn't done by hail but is mechanical.
0.8 overall rating
by Anonymous

Contractor's POV

I am a contractor who specializes in working with homeowners during hail and wind restoration. Metlife and Farmers ALWAYS deny the claims. So far this year, I have had 5 denials for my homeowners. All the other insurance companies have approved the roofs in the area that I am working due to hail. So, it seems a bit suspicious that Metlife and Farmers can't find hail in an area where all of the other insurance companies can.
1.0 overall rating
by Thomas

Hassle

I am currently fighting to receive my generous 50% payment for a crown. First dental denial ever. They are blaming the dentist submitting the claim. A premium of $812/year for my wife & I with a max benefit of $3,000/year total is not good math when the claims process is such a hassle.
0.8 overall rating
by Anonymous

Former Employee POV

The company has inexperienced adjusters who are often located overseas so they cannot make a decision on their own. They wait months for leadership in the US to authorize payment on the claim. By that time, you've probably received numerous requests for information - since there's nothing else you can do.
0.8 overall rating
by Hope I.

Lost Policy

My aunt passed away 14 months ago. She always said that she had a life insurance policy with MetLife. We still are being told that they do not have anything on file for her. The funny thing is she is receiving mail with a group policy number and the amount of life insurance coverage but when you call the number provided they switch you to department after department and no one can find her in the system.
1.3 overall rating
by Joseph B.

Long Fight

I have cancer and have been fighting with this company to get my disability on a regular basis.
1.0 overall rating
by J. Price

Missing Payment

My water heater broke. When I came home from work I was met with 2 inches of water in my living room. The first thing I dis was call my insurance Met Life. The claim process was started. The initial response from the company was great. They were friendly and got a clean up crew to my house on a Sunday. They were awesome but had to stop when they found MOLD. Having a two year old son in the house we were eager to clean it up. Two days later I got a call from my adjuster. For some reason your system had a glitch and my payment was approved but the check was never cut.
1.0 overall rating
by Anonymous

Rate Increases

Their rates are changed monthly. They will bill you quarterly. After you pay the quarterly bill, they send you another monthly bill for a higher rate. My rate went up over 400%. When I canceled the policy after paying a quarterly payment 2 weeks prior. They did not refund the money for the 2.5 months.
1.8 overall rating
by Carol

Unexpected

The coverage described by the MetLife agent was not the coverage we ended up with. I guess we relied too much on her "expertise". We never got a clear answer as to why the insurance we wanted to purchase was not the policy that was actually sold to us.
0.8 overall rating
by Jerri

Where Did My Agent Go?

My agent was always on top of things when I was purchasing insurance, but when he realized that I was changing companies, he would never answer or return my calls. I paid auto insurance for the entire year, but canceled my policy at the end of April. I have yet to receive my refund and it has been almost a year.
2.5 overall rating
by Anonymous

Good Coverage

I've had 3 accidents in 12 years, one of which was a hit-and-run. Each claim was paid fairly and in reasonable time. My rates have gone up steeply even though they claim that it has nothing to do with my accident record.
0.8 overall rating
by Anonymous

Terrible Dental Insurance

I am a dentist and I am telling you that Met Life is terrible dental coverage. I have been fighting for my patients to get full benefit of their already stinking coverage and I am done! I'm dropping them.
1.0 overall rating
by Anonymous

Not Cost Effective

don't want to pay for anything. You will spend more out-of-pocket for the year than you would spend if you went without dental insurance. With deductible, cost of insurance, and what they didn't cover, I spent $700. Without insurance I would of spent less than $600.
1.5 overall rating
by Anonymous

Home Owners Nightmare

I had my house damaged when the power lines were repeated crossed by a cable company. It caused a fire when the electricity crossed into the gas lines.The entire house has to be rewired with the gas lines replaced and repairs have yet to start. It has been 15 months and counting now. The adjuster on my case was not even licensed in my state. So far I have been offered 15% and 25% of the total claim.
1.0 overall rating
by Anonymous

Poor Customer Service

They constantly stall paying claims by repeatedly asking for information that had been sent stapled to the original claim. They send reimbursements for bulk claims in a form that even they cannot explain to the recipient. The coverage is poor.
3.8 overall rating
by Anonymous

The Best!

If you don't have MetLife, you should. It's the best darn insurance on the map!
3.8 overall rating
by Anonymous

Incredible

Everything with this company is easy and fair. Everything went through fine, including a claim that I put in for my uncle. As long as you hold up your end of the bargain, they hold up theirs.
0.8 overall rating
by Anonymous

No Communication

I recently switched employers and could not get any assistance with porting my coverage. I tried to call the phone number given on the paperwork and all it would do was ring and ring. I've been going for 3 months now and still have not insurance.
1.5 overall rating
by John O.

Poor Claims Process Practices

I doubt that they are going to pay any claims. They don't pay them for their dental program, instead they keep sending back asking for more and more information until you just give up.
3.8 overall rating
by Anonymous

Positive Experience

My experience is different from the reviews I've been reading. It's a positive one. I have a local agent and the claims center is also a local team. I had my claim paid timely and calls were returned timely. I'm not sure where everyone also is located, but down in NC they are great! I became a customer because of how they handled my claim when I was a customer somewhere else. No complaints on my end.
3.3 overall rating
by Anonymous

Wonderful Service

We had switched to Metlife home & auto when we bought our house. Only three weeks after moving in, we had to make our first claim ever! There were no questions asked and we were given full reimbursement for all expenses without having our rates raised. Had to make a second claim 2 months later and it was exactly the same.
1.5 overall rating
by Anonymous

Peace of mind NEVER guranteed

Their customer service isn't friendly or knowledgeable. Their mail and phone customer service don't go hand in hand. If you complain in mail, never phone them for any clarification and vice versa.
3.8 overall rating
by Anonymous

Great Claim Procedure

I have to say that I have had a great experience with Metlife. I had to make a claim for a rear window breaking. I told them that I wanted to take it to a specific dealer. They got the info and sent it over the dealer. I dropped the truck off and 2 days later, I was called to pick it up.
1.8 overall rating
by Anonymous

Paid Me In Gift Cards

I had a house fire this year. Adjuster handed out money in forms of Home Depot Gift cards, about 30%. No Home Depot in the immediate area. Have to drive over 40 miles one way. At least I was able to buy appliances from those gift cards and had them deliver them. Still a mess, trying to coordinate a company 40 miles a way and a move in date with the repair people. Called other insurance companies in the area, even an agent who sold MetLife (but not in a while) had not heard of this Home Depot connection.
0.8 overall rating
by Anonymous

Cashed Out

I was a beneficiary on a life insurance policy and sent them a copy of the letter. They gave me a bogus address the first time and the second time I called they gave me some other address. They also told me that they have no record of the policy the first time and the second time they told me it had been cashed out. When I asked who cashed it out, they said they can not give out that information!
1.8 overall rating
by Anonymous

Low and Slow

MetLife will do anything to not have to pay on a claim. The service agent we bought the policy from could care less. The insurance adjuster handling our paperwork still won't tell us if they will pay for the claim or not. We fixed the leak ourselves since that wasn't covered. The contractor won't work on the estimate and negotiate with the insurance to repair and/or replace the items until we sign a contract. The insurance adjuster keeps cutting the estimate.
3.8 overall rating
by Anonymous

Glad I Metlife

I am glad I have Metlife. They have saved me a lot of money on my car and home insurance. The customer service is great too.
2.8 overall rating
by Theodore R.

The Best

I needed a reliable life insurance policy when I financed my new home. I was new to the experience of purchasing life insurance and I had my concerns. I knew that my finances were going to be particularly tight because of my new financial obligations. I also knew that I would be required to pay the premiums timely for life insurance while simultaneously paying my new loan and homeowners insurance fees as well. I got a hold of MetLife insurance and they talk me through the process. When I finally got my quote for the policy I was really relieved. MetLife insurance is low cost and the company gives customers access to a reliable call center for any support issues. They gave me a variety of payment options to choose from and I get online access with MetLife insurance.
2.8 overall rating
by Deanna E.

High Integrity

I find MetLife insurance premiums are reasonable and I believe it is a company that is very conscientious about its practices. MetLife insurance doesn't rip the customer off. The prices are fairly low, and their integrity is first and foremost. Last year I decided to get a MetLife policy when my girlfriend told me about the solid history the company, its 130 plus years in the business and how it ranks as one of the top Fortune 500 companies. You don't reach that level of success without delivering quality service or by not acting professionally. All of my dealings with MetLife insurance has been completely positive, and you're doing yourself a great disservice if you choose another insurance company over MetLife. When seeking peace of mind my girlfriend and I wouldn't recommend other carriers; choose MetLife most definitely. The history of the company says a lot about the company's integrity, professionalism, and consumer interaction.
2.5 overall rating
by Doreen W.

Personal Service

I went ahead and compared quotes before getting a life insurance policy. I used all the resources I had available to me to make certain that I was getting accurate quotes. I even used a lot of the specialized calculators that the insurance websites offer. What I like about MetLife insurance is that they do not opt to charge the consumer service tax. I also like the fact that when I signed up for MetLife I got a personal financial adviser that interacts with me about my policy. I can always talk to the same person about my policy and this eliminates any kind of future hassles. This way, when talking to my financial adviser they already know me as a person and treat me as such.
1.3 overall rating
by Anonymous

1.5 Years, Still No Payment

We have been waiting 1.5 years for payment on my father's policy. We have gotten nothing, but the run around. Multiple mailings have each requested the same forms and certificates over and over again. Each time we start another 30 period for review and 120 day to payout and each time we get another generic non informative letter.
1.0 overall rating
by Anonymous

Denied Claim

Our claim was denied after 6 weeks of waiting. They spent more on the engineers and plumbers whom they sent from 350 miles away than it would have cost them to settle our claim.
1.3 overall rating
by Sherri

Cheap, Not In A Good Way

Met Life has no problems accepting payments or raising payment amounts, but try getting a claim paid and be prepared to fight for it and then don't be surprised if even then you get next to nothing. If you don't try to escalate you will get absolutely nothing from them. I finally got them to agree to a partial roof replacement, but even then they came in at $1,000 lower the lowest estimate I sent to them.
1.8 overall rating
by Anonymous

No coverage after a flood

I thought MetLife was so great because they saved me so much on my auto insurance. That is until I had a loss and found out they suck. I lost almost everything in a freak flood and my truck was about all that was salvaged. It took MetLife 5 days to come out. I didn't have car rental on my policy because I had 3 vehicles. Well the other 2 were destroyed and so I was with no car. By the time they got out to look at the truck it had been 100 degrees everyday and it was mostly dry. The adjuster was not going to replace the seats because they were "dry." They did the BARE minimum for me.
1.3 overall rating
by Anonymous

don't pay claims

I have been calling Metlife every couple of weeks since 2006 to try to get a claim paid. Every person I talk to has a different excuse such as they need the pre-op x-rays again, question of date of service, etc... The bottom line is they just don't pay their claims.
1.0 overall rating
by Bob

Refusal to Pay Out Life Insurance

My father bought a life insurance policy from Metlife and gave instructions to pay his estate on his death. We submitted a certified copy of the death certificate and an address for the funds to be sent. They have demanded court forms that are not needed and which we proved to them. They still refuse to fulfill my deceased father's wishes.
0.8 overall rating
by Anonymous

Poor Customer Service

No matter what level of coverage you might receive, the customer service is terrible. Any claim will be automatically denied.
1.3 overall rating
by Anonymous

Poor coverage and customer service

Their network of dentists only seems to include the mediocre candidates, and their deductibles are high ($50 for a cavity). They consistently cover less than I have paid into their plan. Their customer service agents are great at explaining why they won't cover your expenses.
3.0 overall rating
by Sean

Best Insurance on the Market

I have had a great experience with this company! Everyone was kind and caring, very knowledgeable, and helpful! Customer service was elite!
1.3 overall rating
by Anonymous

Poor Customer Service

I had to call cause my auto premium got raised. The customer service rep whom I spoke to was very rude and unhelpful.
0.8 overall rating
by Al

won't Return Calls

I called on a life policy. They called a couple of times to say they were working on the issue. They then stopped communicating. I would call and leave a message to get an update and they would not return the call. Still waiting for a return call after 2 months.
1.3 overall rating
by Kim

won't Pay

My husband had supplemental life insurance thru his employer on both of us. When he died of pancreatic cancer, first off MetLife gave me tons of grief over converting my policy from group to individual. They would not cash a check for the premium payment because my deceased husband's name was on the check. They also have refused to pay out on his $50,000 policy because they say he wasn't an employee when he died.
3.8 overall rating
by Rick

Dental Plan is Great

I am pretty happy with MetLife. I work for the government and MetLife is given to me as part of the benefit package I receive. MetLife Dental offers my family all of the coverage required for family needs. I have no trouble getting things covered that are defined in my policy. I have never had anything that I sought to have covered disallowed, denied, or unapproved. They have saved me a considerable bundle in the past five years since I have worked the current job I am in. My family is covered and I never have to worry about MetLife letting us down. That's pretty important when a family needs adequate coverage. Procedures are covered, regular visits are also covered and some emergency care is covered under my existing policy. I am satisfied with the coverage and if, in the future I change jobs, I will remain with the MetLife Dental plan.
1.0 overall rating
by Anonymous

No Coverage

We have been trying to settle a claim from a robbery at my home. Our door was kicked in, so we have it boarded up and we cant even get any money to fix it.
1.0 overall rating
by T. Murphy

Policy Canceled Without Notification

MetLife canceled the fire insurance coverage on my deceased father's house with no advance notice of any kind. My father died in December of 2010. I wrote a letter to the company and requested that the automobile insurance policy be canceled, effective immediately. The home owners policy was to stay in effect until the home was sold. Instead the homeowner's policy was also canceled. I received no notice in any form - written, telephonic, e-mail - of the impending cancellation of the homeowner's policy.
1.3 overall rating
by Anonymous

Waiting for Payment

My husband had a heart attack and then surgery. We have been waiting 5 weeks for first short term disability payment. They keep giving excuses. This was suppose to be processed within 10 days per their paperwork. They keep saying they are faxing for more info. The doctors never received the supposed faxes.
1.5 overall rating
by Karen

MetLife Dental Plan

They will never pay claims and offer substandard treatment options. They do not offer payment if you need more than one crown.
1.5 overall rating
by Anonymous

Hard to get fair settlement

I had snow/ice/water damage at a second home during a heavy snow season. Damages were estimated at about $17,000 for inside repairs and $15,000 for roof repairs. The adjuster was rude and insulting. He said they would only pay about $350 for the repairs and mailed a check. After many many months, it was settled and Metlife mailed a check for $17,000.

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