4
out of 5
POSTED: | BY: Vanessa Koch
Easy to use
Easy to use. Great price
Read more on Trustpilot
4.6
out of 5
Number of reviews 5,827
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
1
out of 5
POSTED: | BY: customer
MetLife claimed symptoms from years before = pre-existing conditions
My dog needed back surgery. I called to ask if this would be covered. They told me to go through with the surgery and submit all the paperwork. MetLife made an incredible leap to make my dogs surgery a pre-existing condition so they didn't have to pay it out. This disease was merely listed as something in the differential diagnosis by the Dr, among other things, including sprains or "other". They used the presence of this in the notes to claim it as pre-existing. My existing vet wrote a letter that explicitly said he wasn't diagnosed with this before. MetLife would not share with me how they came to this conclusion or connect me with the people who denied it. They told me to ask for a 2nd review; it would cost me about $85 to have it done by another vet. They denied the claim again but did not share any credentials with me of the vet they use, then billed me $280. They added a full page of description of the disease and the symptoms but provided no proof of a prior diagnosis. Basically, they claimed my dogs symptoms, even though the was never diagnosed, were a pre-existing condition.
5
out of 5
POSTED: | BY: Bobbi
Generally quick and easy
Generally quick and easy. Occasionally there will be something that I have to call or provide additional documentation for.
5
out of 5
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!