5
out of 5
POSTED: | BY: denise novak
Fast
Fast! Response and service is fast and painless.
Read more on Trustpilot
4.7
out of 5
Number of reviews 11,563
2022, 2023, 2024 and 2025 Winner of Pet Insurance of the Year
Reimbursement for up to 90% of vet costs
Coverage for pets of any age and breed, and no lifetime or per incident limits
Get a quote in 2 minutes or less
5
out of 5
POSTED: | BY: Kelly McDonough
The experience was great
The experience was great and very easy to work with over the phone.
5
out of 5
POSTED: | BY: Sue Call
What an awesome service
What an awesome service ! Quick response to our claims . Easy to file on the app.
3
out of 5
POSTED: | BY: Titus Song
Good when smooth, horrible when there are problems
When things go right, it's very easy, quick and simple.
But when you need to appeal or debate a diagnosis/pre-existing condition, it's literally pulling teeth. Customer service is very nice but they do not ever reach back out to you when they say they will "personally handle the matter"
My pet had some reaction on his paws, vet did not know what is was so they prescribed steroids, antibiotics, antihistamines, etc. Because steroids are usually used to treat allergies, Metlife declared it a pre-existing condition when the MD did NOT know what it was. Appeal did not go through as they use symptoms, not diagnosis, to determine conditions.
I had a separate issue where my dog's skin was turning black in certain spots. She only saw pictures so she could not make a diagnosis. Metlife rejected the claim because it might have been allergies again. I tried to appeal but the vet would not sign since she DID NOT SEE the pet and could NOT make a diagnosis. So again I was denied payment.
TLDR: Great when things are working smoothly. Horrific if you ever need to fight for something no matter how small
5
out of 5
POSTED: | BY: Tessie Dehart
Satisfied customer
Claims are processed very quickly and easy to submit claims
Monthly Cost
The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too.
Coverage
Reimbursement for up to 90% of vet costs.
Payout Limits
Deductible
Customizable deductibles from $50-$500
Age Limits
No upper age limits. Pets must be at least 8 weeks old to enroll.
Waiting Period
Accident – policy effective date (1 day waiting period); Illness – 14 days
Exclusions
Protect your pet’s health and your wallet with MetLife Pet Insurance. With a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!