MetLife | Pet Insurance Review

4.7

out of 5

Number of reviews 8,226

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
3

out of 5

POSTED: | BY: Loyal customer losing patience

Claim speed is getting bad.

We've had met life for the entirety of one of our pups life. We got it the day we got him. You would think that given the fact that we've made claims for every vet visit and all his issues for the last 2 years, they would have all records on file and payouts would be pretty prompt - within the 3-5 day window that's advertised. But no. In the last year I would say only 1-2 claims here and there are within that window. Most are drug out for 10 days or more. And when emergencies come up and we drain our account for it, time is everything hence the reason for insurance to help with these costs. But they keep us in a bind by dragging out the payment. They say they need documents from the vet, but I've uploaded every receipt and soap note he's ever got, yet every time "more information is needed". Now that being said, they have been good about actually paying claims without a bunch of run around. Customer service is generally nice - minus some issues when a dog died, and we rescued another dog. It seems there is a big lack of communication. Take it from me. If you find yourself in a situation where a dog passes, remove them from your policy after the end of life claim. Make sure they are off the policy before adding a new dog. It will save you so much headache. In short. Payment speed and training seems to be the biggest flaws. And for reference the first year we had them we never waited more than the advertised 3-5 days for reimbursement. We didnt change the documents we uploaded or the vets we used (we use the same 2 offices for everything). Met life has just chosen to slow down on the reimbursement for some reason. They also don't tell you why the claim is drug out unless you call in - in which they always say more information needed from the vet.
5

out of 5

POSTED: | BY: customer

Much quicker reimbursement time :-)

It used to take a few weeks to get reimbursed, which was very inconvenient. This most recent claim I made was paid in only a few days - this is very much appreciated!
5

out of 5

POSTED: | BY: Tammie Jimenez

MetLife is always very efficient and…

MetLife is always very efficient and excellent communication updates on claim, once submitted.
5

out of 5

POSTED: | BY: Monica Hammonds

Very easy to deal with and claims are…

Very easy to deal with and claims are handled promptly!
5

out of 5

POSTED: | BY: William Gordon

Easy claim filing/prompt payment

Easy claim filing/prompt payment

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!

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