Does Metlife pet insurance have a waiting period before coverage kicks in?

Yes, accident and wellness coverage begin on the effective date of your policy. Illness coverage begins 14 days later.

Does this insurance let me keep my vet?

Yes. In fact, Metlife pet insurance allows you to visit any licensed vet in the United States.

Does Metlife offer any discounts?

Yes, they offer a variety of discounts including: Employer Benefit Discount Affinity Group Discount Internet Purchase Discount Military, Veteran & First Responder Discount Healthcare Workers Discount Animal Care Discount

Does Metlife have any age restrictions?

There are no upper age restrictions but pets must be at least 8 weeks old to be enrolled.

Is there a waiting period?

Accident coverage begins in just 1 day while illness coverage is 14 days.

MetLife Pet Insurance Review 2026

4.7

out of 5

Number of reviews 9,939

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

out of 5

POSTED: 05/23/2026 | BY: Zarahys Keane

Super easy to set up and compare

Super easy to set up and compare. Good experience with the platform, different plans, good explanation of the information, and discounts available! I like that I can choose any vet for my pet!

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out of 5

POSTED: 05/23/2026 | BY: Nathaly Lezama

Easy

It was very easy and affordable

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out of 5

POSTED: 05/23/2026 | BY: Pedro Pacheco

good experience with others met life…

good experience with others met life coverages

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out of 5

POSTED: 05/22/2026 | BY: Raoul/Sreed

it was an easy experience

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out of 5

POSTED: 05/22/2026 | BY: Jeff A

Good claim process, but premium increased without merit!

I like the process of filing claims, what is covered, and easy managing the plan in the app…however, my pet’s premium went up 30% even without any unusual claims, only wellness visits and routine meds like heartworm/flea prevention.

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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

MetLife Pet Insurance detail

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!

Provider website

Advertiser Disclosure: The Company receives compensation from the third parties included on this site which includes payment for clicks from the Service to Insurance Providers’ sites and quote requests generated. We also receive payment from advertisers to feature in emails we send to users who have opted in to receive offers from third parties. It is this compensation that enables Company to provide you with services at no cost. We strive to provide a wide array of offers, but our offers do not represent all pet insurance companies or products.

MetLife | Pet Insurance Review

Super easy to set up and compare

Easy

good experience with others met life…

it was an easy experience

Good claim process, but premium increased without merit!

Monthly Cost

Coverage

Payout Limits

Deductible

Age Limits

Waiting Period

Exclusions

Get a quote today