Pet Insurance – MetLife Pet Insurance

Our Verdict

MetLife Pet Insurance offers flexible, straightforward coverage backed by a trusted national brand. Its customizable plans, fast claims turnaround, and optional 24/7 telehealth make it a solid option for pet owners who want convenience without a lot of extras. The ability to cover multiple pets under one policy is a standout feature, and the availability of low deductibles gives added control over upfront costs. While it doesn’t have some of the niche perks offered by smaller providers, MetLife delivers reliable coverage with wide appeal, especially for families with more than one pet.

Pros

Customizable plans with flexible limits and deductibles
Covers exam fees, chronic conditions, and alternative treatments
Family plan option for multiple pets under one policy
24/7 access to veterinary telehealth
Short waiting period for accident coverage
No upper age limit for enrollment

Cons

No live chat support available
Claims may require extra documentation for complex cases
Wellness coverage is optional and adds to monthly cost

Products & Pricing

MetLife’s monthly premiums vary based on your pet’s age, breed, location, and the coverage options you choose. For dogs, plans typically range from $30 to $70 per month. For cats, the average cost is between $15 and $40 per month.

You can adjust your monthly premium by selecting different annual coverage limits, reimbursement percentages, and deductible amounts. Choosing a higher deductible or lower reimbursement rate will lower your premium, but increase your out-of-pocket costs when you file a claim.

Discounts are available in certain situations:

Multi-pet discount
Military, veteran, and first responder discount
Employer or group member discount
Online enrollment discount in some cases

Overall, MetLife provides flexible coverage options at competitive rates, especially for households with more than one pet or those looking to tailor a plan to their specific budget.

MetLife Coverage

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In-depth review

Features and Coverage

MetLife offers a single core plan that covers accidents and illnesses, with options to customize your deductible, annual limit, and reimbursement percentage. Coverage includes diagnostics, surgeries, prescriptions, chronic conditions, and emergency care. You can also add wellness coverage for routine care like checkups, vaccines, and dental cleanings.

Notably, MetLife includes benefits that some competitors treat as extras, such as coverage for lost pet advertising, hospitalization boarding fees, and end-of-life expenses like cremation. Their “family plan” feature allows you to insure multiple pets under a single policy with one deductible, which can be a cost-saver for multi-pet households.

No breed exclusions exist, and coverage is available regardless of your pet’s age at enrollment. Waiting periods are short: accidents are covered immediately, and illnesses are covered after 14 days.

Ease of Use

MetLife makes exploring, enrolling, and managing your pet’s coverage easy through a streamlined website and mobile app. Getting a quote takes just a few minutes, and the customization options are clearly laid out so you can adjust coverage settings without confusion.

Once enrolled, the app and online portal allow you to update billing info, track your deductible, access policy documents, and connect with a vet through 24/7 telehealth. The platform is user-friendly, even for first-time pet insurance buyers, and is designed to minimize the back-and-forth often found with traditional insurers.

Claims Process

Filing a claim with MetLife is straightforward. You can upload your vet bill and medical records through the app or website, and most claims are processed within five business days. Reimbursements can be sent via direct deposit or check, depending on your preference.

While many users report fast turnaround and consistent communication, there are occasional reports of delays or requests for additional paperwork, especially with more complex claims. The overall process is efficient and accessible, with clear updates provided throughout.

Customer Service

MetLife offers multiple ways to get help, along with a variety of self-service resources. The website includes a helpful FAQ section covering policy details, claims, billing, and more. Policyholders also get access to a 24/7 veterinary telehealth line, which can answer basic health questions and guide care decisions without a trip to the vet.

While support options like phone and email are available, there is no live chat feature. Response times are generally solid, though some users have experienced delays during high-volume periods or when claims require extra documentation. Overall, customer support is reliable but not the most hands-on compared to smaller or more specialized pet insurers.

Phone Support

Available Monday through Friday during business hours

Accessible via online contact form

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