MetLife | Pet Insurance Review

4.7

out of 5

Number of reviews 8,294

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

VETERINARIAN: Dearborn Animal Hospital

POSTED: | BY: Teresa

good insurance

Ive been very pleased with the claims I have sent to the insurance for Karlie. They have really helped me afford her upkeep on her health and dental care.
5

out of 5

POSTED: | BY: Kim

Fabulous

Easy to submit and great communication during claims. They were so kind. Our guy ended up passing away with bone cancer and they were so compassionate. Quick response and payout for all claims. No hassle, great service. We have had 3 policies and no compalints only excellent service.
5

out of 5

VETERINARIAN: Care First

POSTED: | BY: K

Basically, No Admin Time!

I have two dogs, one with severe allergies. MetLife makes it SUPER EASY to submit claims. I never need to track, follow up or worry about coverage. One less thing "to follow up on" is fantastic.
1

out of 5

VETERINARIAN: New Leaf

POSTED: | BY: Jessica

Disappointing Experience

I’ve been paying over $120 a month for insurance on my two dogs, and unfortunately, my experience has been incredibly disappointing. My dog, Emmie, has had some mild itching, and when I submitted a claim, I was told it was considered a pre-existing condition due to “year-round” itching. However, I explained that this was caused by a shampoo issue with her groomer, and after changing shampoos, the problem cleared up. I called and did an appeal, and even had the vet write a letter explaining that there was no diagnosis of a skin condition and that this should not be considered a pre-existing issue. Despite all this, they still denied the claim. They did pay for her food at first but then reprocessed the claim after I asked why they weren't covering her allergy medication—and ended up denying the food too.
1

out of 5

VETERINARIAN: Companion Animal Hospital

POSTED: | BY: Raj

They make it hard to approve claims

First of all, they take forever to process a claim. On top of that, they will ask all sorts of history and soap paperwork. They make it hard for you and eventually deny the claim. Will NOT recommend.

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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