MetLife Pet Insurance Review 2022: Pros and Cons

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BaghdadTime score 

BaghdadTime’s rankings are decided by our editorial workforce. The scoring method takes into consideration shopper grievance and buyer satisfaction knowledge.

Plans provided: Accident and sickness, wellness.

Breadth of protection: Wonderful.

Vary of plan choices: Wonderful.

Pays your vet straight: No.

The underside line: Customizable plans that cowl holistic therapies, however submitting claims could be a trouble.

How we assessment pet insurance coverage

Our writers and editors comply with strict editorial tips that guarantee equity and accuracy so as to show you how to select the monetary merchandise that work greatest for you. In our pet insurance coverage critiques, our editorial workforce considers each the shopper and the insurer. These are a number of the elements we take into consideration:

Plans provided. Pet insurance coverage firms usually supply the next three forms of plans:

  • Accident and sickness insurance policies reimburse you for medical remedy in case your pet will get sick or injured.

  • Accident-only insurance policies pay bills in case your pet is injured.

  • Wellness plans show you how to finances for preventive care prices.

Breadth of protection. We regarded for plans that cowl a variety of potential bills.

Vary of plan choices. This class appears to be like at what number of methods you may customise what you pay to your plan and the way you’re reimbursed.

Pays your vet straight. This means whether or not an insurer pays your vet straight for medical bills. With this service, you don’t need to pay the cash your self upfront after which look forward to reimbursement.

Previously often known as PetFirst, MetLife Pet Insurance coverage affords a strong accident and sickness plan that you may customise with varied deductible, reimbursement and protection quantities. You may as well add wellness protection.

The plan has no lifetime limits, however the claims course of might be simpler.

MetLife Pet Insurance coverage


BaghdadTime score 

BaghdadTime’s rankings are decided by our editorial workforce. The scoring method takes into consideration shopper grievance and buyer satisfaction knowledge.

MetLife earned 5 stars out of 5 for total efficiency. BaghdadTime’s rankings are decided by our editorial workforce. The scoring method takes into consideration shopper expertise, protection choices and monetary energy rankings.

MetLife professionals and cons

Diminishing deductibles every year you go and not using a declare.

Claims course of isn’t as streamlined as it’s at another firms.

Accident protection begins instantly, with no ready interval.

Holistic and different therapies are coated.

State availability

MetLife sells pet insurance coverage in all 50 states and Washington, D.C.

MetLife Pet Insurance policy

MetLife affords a complete accident and sickness coverage, which covers prices related to accidents, incidents and well being situations, in addition to different and holistic therapies.

The insurer additionally has an non-obligatory preventive care package deal. This add-on is designed to decrease the prices of routine care, resembling dental cleansing, vaccinations and wellness exams.

What MetLife Pet Insurance coverage covers

MetLife’s accident and sickness coverage covers:

  • Hospitalizations, surgical procedures and emergency care.

  • Diagnostic exams, together with X-rays and ultrasounds.

  • Prescription drugs and meals.

  • Hereditary, congenital and continual situations.

  • Dermatological situations.

  • Getting older pet ear and eye situations.

  • Ailments that might be prevented by vaccines.

  • Holistic and different therapies.

  • Accidents attributable to housemates.

MetLife’s preventive care protection helps to cowl these prices:

  • Flea, tick or heartworm medicine.

  • FeLV, fecal and heartworm exams.

What’s not coated

MetLife’s plans usually don’t cowl: 

  • Grooming and bathing prices, together with medicated baths.

  • Vitamin and mineral dietary supplements.

  • Elimination or expression of anal glands or anal sacculitis.

  • Any accidents or diseases associated to racing, coursing, business guarding or organized preventing.

MetLife protection choices

Deductibles: $0 to $2,500 per yr.

Reimbursement choices: 50% to 100%, relying on the coverage.

Protection limits: $500 to $25,000. A vast possibility is offered, although you may’t buy this feature on-line in some states.

Restrictions and ready durations

Ready durations: A ready interval is the time between while you purchase your coverage and when your protection begins. With MetLife, pets are coated for accidents and wellness prices on the day the coverage goes into impact. Sickness protection kicks in after 14 days.


MetLife affords these reductions to eligible policyholders:

  • Employer profit low cost for individuals who purchase a coverage by means of their office (not out there in Tennessee).

  • Web buy low cost, which applies to the primary yr of premiums.

  • Lively or retired navy, veteran and first responder low cost.

  • Lively well being care employees low cost.

  • Low cost for workers members and homeowners of animal care services.

Moreover, you would possibly be capable of decrease your deductible by $25 to $50 every year you don’t submit a declare.

Shopper expertise

Web site: You may get quotes and purchase a coverage on-line, although you’ll want to supply your contact data early on. MetLife’s website is user-friendly however doesn’t embrace all of the coverage data you may want whereas evaluating protection.

App: MetLife’s app is appropriate with Apple and Android gadgets. You should use the app to view coverage data, monitor the progress of claims, edit your pet’s profile, add well being data and discover vets close to you.

Claims: MetLife’s claims course of isn’t as seamless because it might be. As an alternative of finishing just a few fast fields on-line, you’ll need to obtain and fill out a kind, then ship it again through e mail, on-line portal, fax or mail. Nevertheless, you may count on a comparatively fast payout, with most claims paying out inside 10 enterprise days.

Customer support: The quickest approach to contact MetLife is through reside chat, which you’ll entry on the app or web site. In any other case, name 855-270-7387 or e mail [email protected] with questions. For policyholders, MetLife’s vet chat is offered 24/7, 12 months a yr.

Steadily requested questions

How a lot is MetLife Pet Insurance coverage?

MetLife’s pet insurance policy begin at $15 a month for canines and $9 a month for cats. Costs fluctuate based mostly on the breed and age of your pet, in addition to the place you reside and the way a lot protection you want.

Does MetLife have a neuter or spay requirement?

No. MetLife doesn’t require pets to be neutered or spayed to qualify for pet insurance coverage protection.

Can I take my pet to any vet?

Sure. You may convey your pet to any licensed vet within the U.S.

Can I add one other pet to my MetLife Pet Insurance coverage coverage?

Sure. You may cowl a number of pets on a single coverage below MetLife’s Household Plan.

Does MetLife have any age or breed restrictions?

No. MetLife covers all cats and canines, no matter their age or breed.

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