MetLife | Pet Insurance Review

Last year my cat, Joey, needed an ACL repair. Major surgery, rarely in cats! MetLife covered the surgery expenses at the best, most highly recommended surgeon in the area. They also covered all his recommended treatments, including laser and physical therapy, and follow-up. No questions asked, as long as the surgeon felt it was necessary. The customer service was excellent. Yes, it wasn’t the least expensive, but the coverage was excellent! Joey is fully recovered and back to playing!

My cat has many health issues that are complex and chronic.. I have to manage them with both medication and alternative medicine, like holistic methods, i.e. chinese herbs and acupuncture. MetLife has been covering it all, and it is not hard to submit to them either, like with other companies. Super simple, and it is covered. For my cat, who has had serious issues her entire adult life, it has been a life saver to have the insurance and to be able to use all modalities of veterinary medicine. She is now 14 years old and still going strong. I switched my other cats from Embrace to MetLife too because of the ease of submission. And it was slightly cheaper.

I have not had insurance in the past. Met Life has made it very easy to put in a claim.. I can either download the bill for my dog via an email statement or just snap a pic and add...very easy! They keep you aware of the process and when to expect payment. My dog has had pre-existing conditions but they pick up with anything new from when I started the insurance and have not raised rates at all with my renewal, in fact, I got $500 more coverage the next year for FREE!

after first year metlife pet insurance increased 100 100% increase after first year ---- i stuck with them because first year was affordable. Now its obvious when i will need my dogs insurance most in the future it will be unaffordable for a $5500. payout yearly plan with a $250 deductlible. MetLife you are now priced out of my ballpark. ! 5

We first signed up with MetLife on December 29, 2022, for a pet insurance policy with 100% coverage and a $200 annual deductible. The monthly premium was quoted at $65.36. Our dog, a Great Dane mix, had just turned one on October 31, 2022, and had no pre-existing conditions at the time. When it came time to renew the policy on December 29, 2023, the coverage remained the same, but the premium increased to $90.30/month — a 38% hike. When I reached out to MetLife, I was told the increase was due to rising veterinary costs in our area. We accepted the new rate and moved on. However, on November 23, 2024, I received an email stating our policy would renew again on December 29, 2024 — this time with a new premium of $182.20/month. That’s a 100.17% increase from the $90.30/month we were paying just one year ago! I called MetLife on November 24, 2024, to ask about the drastic rate hike. I spoke to two representatives. The first couldn’t explain which factor contributed to the 100.17% increase, while the second claimed the hike was due to our dog’s age — he turned 3 years old on October 31, 2024. They also mentioned that location and breed could affect rates, but neither could provide specific details on how these factors applied to our situation. In the end, the decision is yours, but based on these facts, I would not recommend MetLife dog insurance to anyone!