MetLife | Pet Insurance Review


out of 5

Pet Insurance Reviews: 75
Trustpilot Reviews: 9

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.9
  • 4.9
  • 4.9
  • Count
  • 48
  • 75
  • 75
As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years. MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.

out of 5

POSTED: | BY: Ronnie Halpern


I am very happy with Met Life. They pay my dogs claims immediately. I fax in the proper invoice with a cover letter & the doctors notes. I recommend them highly.

out of 5

POSTED: | BY: For God and Country

Cancellation Even though I called & updated card

They have a poor claims process, large price increases from year to year, and a lack of communication. They did not communicate to me that they were charging my old credit card on the automatic payments they require. They just cancelled my pet's insurance, then said they could write a new policy, but everything they had been paying for would be pre-existing. They said they sent emails, but I didn't get them. A good company would send an old-fashioned letter in the mail. They said I didn't update the card, but I know I called in and updated to the same card I have on file with Healthy Paws Pet Insurance. Thank God my pet had two policies, so my little dog is covered. Metlife doesn't care, just cancelled for lack of payment without ensuring I actually received their emails. They said they sent emails, as I changed out my card because it was stolen. It was the same bank, and other service providers transferred to the new card automatically, without notification and without a glitch. They said I passed the grace period. My little Schnoodle was relatively healthy, so I didn't log into Metlife for months. I bought a new policy with Pets Best, and it's $53 cheaper, offering unlimited instead of Metlife's $20,000 annual limit for $292. She was already insured with Healthy Paws, and now her Pets Best is her secondary insurance. Buy smart! Don't Trust your pet to Metlife!

out of 5

POSTED: | BY: Zachary

Predatory and scummy

They wouldnt accept a claim on my last policy because it was past 90 days. I dont know what would change in 90 days other than to scam you out of your benefits. They want a year of vet records before your first claim I only discovered on trying to make the claim the first time. It took me a while to get it just to get denied because it was too late. I also wasnt notified that my renewal was going up almost double and didnt until 3 months in. I just wasted 700 dollars on this over the past year for nothing. This is not worth it for a 5000 max.

out of 5

POSTED: | BY: Steven Renaud

First Claim request pending review

I will be waiting to see if MetLife grants the contribution, compensation according to the purchased policy. This is my first claim.

out of 5

POSTED: | BY: Teresa Spinicci-Shea

Overall I recommend

I love the policy that I have and it’s turned out to be a blessing with the puppy we adopted who is inclined to eat things she shouldn’t. I love that it covers 100% accident and prevention. Customer service has been friendly. What I would like to see is (1) if they say a drug will be approved with a vets prescription, please approve it. (2) Process the claims in a way that makes sense. There are times when not 100% is covered and it should be, or there is one huge lump sum that I can’t figure out belongs to what claim. (3) Make the benefit statements be available online or in the app. I’m reliant on the paper statement they send to align back to the claim. It’s challenging to figure out what was processed vs not. (4) Consistently use the date of service instead of randomly inserting other dates for the claims, so, again, I can follow what was processed. It is a great insurance, I just wish it took less time to figure out the status of the claim and tie back payment to the actual claim.

Monthly Cost

Plans can start at just $29


Customizable reimbursement rates from 70% to 100% of vet costs.

Payout Limits


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


Protect your pet’s health and your wallet with MetLife Pet Insurance. Plans can start at just $29 and you can easily customize your deductible and reimbursement rates so it works for you. 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!

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