Given two stars instead of just one star. Our newly adopted cat had an upper respiratory infection. Urgent Vet care took care of him and we submitted the claim. Waiting a few days and no response from MetLife Pet Ins. I called them. They had never received my claim. Resubmitted and they received it. Processing took a couple of days and there was missing information. SOAP - what was that? Spell things out for us! Turns out it's his pre adoption record. Sent that in. Processed the claim and notified it was approved. Now I wait for my refund. Crickets. Called them. Supposed to receive another email on how I want my refund. Just send me a check. I shouldn't have to go and create an account and give my banking information to receive my refund. I say beware of getting MetLife Pet Insurance if you have a pet. The amount of monthly payment and the total yearly amount they cover is not worth it. Yes, I'm glad we were given a "free" trial and we used it. But this ordeal we had to go through was not worth it. Just my humble thoughts.