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MetLife Pet Insurance Review 2024

MetLife Pet Insurance review
KEY TAKEAWAYS
  • MetLife offers a comprehensive accident and illness plan for dogs, cats and exotic animals.
  • Add up to 3 pets while only paying one deductible with a MetLife Pet Insurance family plan.
  • Reimbursement rates range from 70% to 90%, and deductibles go from $50 to $500.
  • MetLife pet insurance has a maximum annual coverage limit of $10,000.
  • To see how MetLife compares to other pet insurance providers, use our online comparison tool.
SUMMARY

MetLife is a well-known name when it comes to life and health insurance, so it’s no surprise that MetLife Pet Insurance policies are top of the line. With no initial exam required for enrollment and waiting periods as short as one day, there’s a lot to love.

To help you choose the best pet insurance policy for your needs, we did an in-depth review of MetLife pet insurance. Find out how it works, what types of coverage you can get and what you need to know about MetLife’s age limits, plan options, and more.

Best for Same Day Accident Coverage
GET A QUOTE on MetLife's secure website
4.7
Maximum annual coverage
$1,000-$10,000
Reimbursement choices
70%, 80%, 90%
Deductible choices
$50, $100, $250, $500

About MetLife Pet Insurance

MetLife Pet Insurance won “Pet Insurance of the Year” in the Pet Independent Innovation Awards for both 2023 and 2022. The company offers comprehensive dog and cat insurance policies in all 50 states and is one of the few pet insurance companies that also offer coverage for exotic pets.

However, coverage for exotic pets is limited to consumers in the following states:

  • Alabama
  • Connecticut
  • Georgia
  • Iowa
  • Indiana
  • Louisiana
  • Michigan
  • Missouri
  • North Carolina
  • Nebraska
  • Ohio
  • Oregon
  • Pennsylvania
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Wisconsin
  • Wyoming

MetLife pros & cons

Every insurance plan has its strengths and weaknesses, and MetLife is no different. Review MetLife Pet Insurance’s benefits and drawbacks to see if it’s right for you.

Pros
  • No initial exam required for enrollment
  • Reimbursement for up to 90% of vet costs
  • Family plans available
  • Hassle-free claims process
  • Quick quotes
Cons
  • Doesn’t offer sample policies to help you compare coverage
  • No direct payments to vets
  • Six-month waiting period for certain orthopedic conditions
  • Limited payment options
  • Multipet policy only covers three pets

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MetLife pet insurance plans & coverage

MetLife offers dog insurance, cat insurance and pet insurance for exotic animals.

Instead of offering multiple types of pet insurance plans,?MetLife has a single comprehensive?accident and illness package. It also offers a wellness plan with additional coverage options.

Let’s take a look at what these plans include.

MetLife accident and illness plan coverage

  • Accidents
  • Illnesses
  • Surgeries
  • Exam fees
  • Cruciate ligaments
  • Hospitalizations
  • Diagnostic tests (like X-rays and ultrasounds)
  • Medications
  • Emergency care
  • Alternative therapies and holistic care
  • Intervertebral disc disease (also known as herniated discs)
  • Prescription pet food

Let’s break down what these coverage options really mean.

The standard MetLife Pet Insurance plan doesn’t include preventive care, but the company offers an optional wellness plan to give you even more coverage. This add-on can help cover the costs listed below.

MetLife preventative care coverage

  • Wellness exams
  • Most vaccinations
  • Spaying and neutering
  • Dental cleaning
  • Flea, tick and heartworm treatment
  • FeLV, fecal and heartworm tests
  • Health certificates
  • Blood tests

MetLife pet insurance exclusions

MetLife pet insurance does have some exclusions. These are all things that are commonly not covered by pet insurance policies, so there are no real surprises here.

What’s not included

  • Pre-existing conditions
  • Elective procedures
  • Grooming
  • Vitamins and minerals
  • Organ transplants
  • Breeding
  • Racing/fighting

Let’s take a closer look at what these exclusions entail.

MetLife Pet Insurance waiting periods and age restrictions

All pet insurance policies have waiting periods between when you purchase your policy until your coverage kicks in. These pet insurance waiting periods vary by provider and by the type of issue.

MetLife Pet Insurance has one of the shortest waiting periods in the industry when it comes to accidents and wellness costs. You just need to wait until midnight on the day you purchase your coverage. For illness coverage, the waiting period is 14 days.

Unlike many companies, MetLife has no upper age limit or breed restrictions, making it even easier to get insurance for pets. However, you can’t enroll a pet in a?MetLife plan until it’s 8 weeks old.

MetLife Pet Insurance coverage

Every pet insurance policy has a deductible, a reimbursement rate and an annual coverage limit.?MetLife Pet Insurance offers a wide range of options to choose from, making it easy to customize your plan to fit your coverage needs as well as your budget.

Here’s what you need to know about MetLife’s coverage options:

How much does MetLife Pet Insurance cost?

According to Metlife, pet insurance can cost as little as $15 per month for dogs and $9 per month for cats.

To give you an idea of how much you can expect to pay for pet insurance with MetLife, we got quotes for popular cat and dog breeds.

We applied the following details for these quotes:

The table below shows our quotes for MetLife cat insurance.

Cat breed Monthly cost
Domestic shorthair $25
Maine Coone $36
Ragdoll $36

This table shows our price quotes for MetLife dog insurance.

Dog breed Monthly cost
French Bulldog $54
German Shepherd $42
Golden Retriever $49

Keep in mind that how much you’ll pay for pet insurance from MetLife depends on various factors, including:

Does MetLife Pet Insurance offer any discounts?

Many insurance companies offer a multi-pet discount, but MetLife takes it a step further by offering family plans. Rather than purchasing a separate policy for each pet, you can purchase a single policy that covers up to three pets in your home. That means you only have to pay one deductible each year. If you have multiple pets, you could?save a significant amount of money.

MetLife also works with U.S. employers to give employees access to discounted pet insurance. Discounts are also available to healthcare workers, first responders and members of certain affinity groups. All policies are underwritten by MetGen.

MetLife Pet Insurance reviews

On Trustpilot, some users have left negative MetLife pet insurance reviews, but many of these reviews focus on circumstances outside of MetLife’s control.

For example, one customer wrote, “They wouldn’t accept a claim on my last policy because it was past 90 days.”

It’s common for pet insurance companies to set a limit on how long you have to file your claims. If you miss the deadline, the insurance company won’t reimburse you.

Satisfied reviewers note that MetLife “pays the claims very well” and “covers almost everything.”

How does MetLife Pet Insurance compare to other providers?

The following table shows how some features of MetLife compare to those of other popular pet insurance providers.

Category MetLife Healthy Paws Paw Protect
Accident waiting period Midnight on the date you purchase your policy 15 days 2 days
Illness waiting period 14 days 15 days 14 days
Wellness plan available? Yes No Yes
Reimbursement options 70/80/90% 50/60/70/80/90% 70/80/90%
Deductible options $50, $100, $250, $500 $50, $100, $250, $500, $750, $1,000 $100, $250, $500
Annual limit $10,000 Unlimited Unlimited
Dog Product Hero Reminder Join the over 2,438,795+ insured cats & dogs across the US Compare pet insurance plans & prices from top providers in minutes LEARN MORE Cat Product Hero Reminder

MetLife pet insurance FAQs

Is MetLife Pet Insurance good?

Yes. MetLife is a reputable company that offers a comprehensive accident and illness plan for pets. It’s also one of the few insurance companies to offer coverage for exotic animals. However, exotic coverage isn’t available in all 50 states.

Does MetLife Pet Insurance work with any veterinarian?

Yes. When you have MetLife pet insurance, you pay each vet bill up-front and then submit a claim for reimbursement. This means you can use the vet clinic down the street or travel to a specialty clinic in another state.

Can I add multiple pets to my MetLife insurance policy?

Yes. The MetLife family plan allows you to put up to three pets on the same policy, ensuring that you only have to pay one annual deductible.

How do I cancel my MetLife Pet Insurance plan?

If you want to cancel your MetLife policy, call (855) 270-7387, send a fax to (877) 281-3348, or email pet_info@metlife.com.

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

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