MetLife | Pet Insurance Review

It was much easier than I thought to submit claims, and I was more than pleasantly surprised that reimbursement was completed so quickly. I cannot stress enough how appreciative I am.

Staff have always been professional, courteous, and knowledgeable

I uploaded my invoice from the veterinarian and was promptly paid only a couple days later.

Very easy and fast service.

So far I find Metlife has the best rates with the most coverage for my older Maine coon. When you have a pure bred animal it's always more expensive. But when you have a pure bred with chronic KD due to old age, and all the lovely things that come with it, I find their rate affordable. Like after 3 years of being with them I'm only paying $61.39 with 90% reimbursement up to $2000 and $500 deductible. I've gone with ASPCA and looked into about 10 other insurances and found that even after one year they don't offer as much coverage (like covering your pets meds, prescribed supplements and prescription food). If you have a cat that needs to be on a special diet and you are buying a lot of stuff to help their condition. Have you vet write you a script and with clinical notes. MetLife will cover it because they will recognize it's to help your pet's quality of life because of their medical condition. They also accept a lot of preexisting conditions. Most other insurances will not and unless your pet is 100% healthy prior to applying, you're SOL. They recognize genetic factors and age play a role in the health of your pet and do not penalize you. You just need to have good clinical notes when you submit your claim. Reimbursement is generally quick but ER visits or full workups like labs with a physical can take a bit longer to reimburse if you don't submit the clinical notes with the receipt. Citibank pays me direct to my Paypal and I send that to my bank account. So effortless. You have other options for reimbursement as well. Overall I will stay with them as my coonie is geriatric and has some old age stuff going on that really needs coverage. Without Metlife I'd have paid at least $500 more this year than I did. Yes, that's after the monthly insurance fee and deductible. Even if you break even it's totally worth it in case you need to get an ultrasound which is $600 usually, and CTscans are usually $3500, MRIs are about $6k. So anything major like that, getting $2000 back is better than nothing. If your animal is healthy just get a basic insurance for accidents. It's much cheaper. That's good for if your cat gets attacked or hit by a car. If your cat is indoors and healthy, I'd just keep up on their health and at the first sign of 'something' look into accident insurance or more because most insurance do not cover any preexisting.