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MetLife Pet Insurance Overview & Review

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MetLife Pet Insurance provides comprehensive coverage options for dogs and cats, offering protection for accidents, illnesses, and routine care. Known for its customizable plans and straightforward claims process, MetLife ensures flexibility to suit pet owners' needs. The company was founded in 2004 and is based out of Jeffersonville, Indiana.
 
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How is MetLife Pet Insurance rated?

Breakdown

4.0/5
Coverage
4.0/5
Cost
4.0/5
Extras

Overall Rating: 4 / 5 (Very good)

MetLife Pet Insurance gets high marks from us for its highly customizable policies for both dogs and cats, with a wide range of options available in terms of deductibles, reimbursements and benefits.

MetLife Pet Insurance Coverage

Coverage - 4 / 5

MetLife Pet Insurance offers up to 90% reimbursement for vet bills and covers preventive care for routine wellness expenses. Pet owners can also cover multiple pets under one policy, providing a convenient and comprehensive solution for accident, illness, and routine care coverage.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness
  • Hereditary
  • Congenital
  • Cancer
  • Chronic
  • Accidental Dental
  • Dental Illness
  • Breeding
  • Behavioral
  • Oral Disease and Injuries
  • Prosthetics and orthopedics
  • Hip dysplasia

Medical Treatments Covered

  • Diagnostic Testing
  • Surgery
  • Hospitalization
  • Prescription Medications
  • Emergency Care
  • Specialty Care
  • Alternative Care
  • Behavioral Therapy
  • Prosthetics & Mobility Aids
  • Holistic Care
  • Homeopathic Treatments
  • X-Rays
  • Ultrasounds
  • CT scans
  • Laboratory tests
  • Pet ambulance

Benefit Limits

Benefit Limits - 4 / 5

MetLife offers robust annual benefit amount options, including chronic care coverage and no lifetime or per-incident limits regardless of your pet’s age. Annual limit options range from $500 – $10,000 in $1,000 increments. The company does not cover pre-existing conditions.
Benefit Limit Types
Annual
Annual Benefit Maximum
$10,000

Reimbursement & Deductibles

Reimbursement - 4 / 5

MetLife Pet Insurance reimburses 70-90% of your pet’s actual veterinary costs. The minimum reimbursement percentage varies based on the underwriter, while the maximum reimbursement rate for both underwriters is 90%.
Reimbursement Model
Actual Cost
Minimum Percent Reimbursement
70%
Maximum Percent Reimbursement
90%

Deductibles - 4 / 5

Deductibles range from a $0 minimum to a $500 maximum. If you go claim-free in a policy year, the company will automatically decrease your deductible by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies).
Deductible Type
Annual
Minimum Deductible Offered
$0
Maximum Deductible Offered
$500

Pricing: How much does MetLife Pet Insurance cost?

Cost - 4 / 5

All of MetLife's pet insurance policies have premiums which will vary based on age, breed, location and coverage amount. Additionally, policies underwritten by IAIC will take the pet’s gender into account.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$26.00
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$12.00
Rate Details: The sample monthly premiums presented above are based on policies with an 80% reimbursement percentage, a $2,000 annual benefit with a $250 deductible.

Enrollment & Waiting Periods

Enrollment - 4 / 5

Enrollment for both dogs and cats can begin as soon as your pet is eight weeks old. The accident coverage starts immediately on the first day of coverage, while illness coverage kicks in two weeks afterwards.
Min Enrollment Age
8 weeks
Accident Waiting Period
0 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 4 / 5

You can reach out to MetLife Pet Insurance through phone, fax, mail or email. The company also has a mobile app where you can submit claims, manage your pet’s health records and locate pet service providers around you.
Claim Form
Mail
Email
Fax
Online Portal
Mobile App

Contact & Additional Information

Homepage URL
https://www.metlifepetinsurance.com/
Year Founded
2004

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Our Partner
  • Pet Insurance of the Year Award Winner 2023
  • Accidents, Emergencies, Illnesses, Meds and more
  • No Lifetime or Per Incident Limits
  • One of the Shortest Waiting Periods for Accident & Illness Coverage
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