MetLife | Pet Insurance Review


out of 5

Number of reviews 330

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.5
  • 4.8
  • 4.8
  • Count
  • 61
  • 307
  • 330

Updated: November 13, 2023

As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years. MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.

out of 5

POSTED: | BY: Gloria Caricchio

Look no further.

I called to get the best prices and tailor to my needs. Customer service rep was awesome, she not only went over EVERYTHING, but also gave me advice she didn't need to. I had Embrace, and they were making me wait a year for pr-exsisting conditions for a year starting Dec of 2021 and would run out Dec 2022. The conditions were worms that were resolved and cleared. When my kittens came home I was feeding too much as once, so they regurgitated. I called the vet for advice and she told us to feed them more frequently with smaller portions and it would resolve , which they did.. Embrace's policy was if something happened before Dec 2022, the clock would restart again from that date for another year. I was paying about $45 a month, no wellness included. Fast forward to MetLife Pet, I saw people on my various pet sites on Facebook mention MetLife Pet and make sure to CALL them, not to sign up. I told MetLife pet about the preexisting conditions and they said it was fine. Accident started from day 1 and illness started 14 days later. That was after the soap notes were read. I have a policy that is 250 annual deductible, 100 percent coverage. It covers wellness as well, and a host of other goodies. I pay about 61 dollars monthly. My cats prescription fleat/tick meds and heart-worm meds run me about 170 every 3 months, the yearly exam between fecal samples, vaccines and exams cost me about 450 dollars. I actually break even on the insurance, and if anything would happen to my cats, I have piece of mind I have coverage. I have called them several times regarding various questions, I am ocd, and like no surprises. They are always very nice, take their time answering. One of the best customer service I have ever encountered. I do have to pay out of pocket for reimbursement, but Their turn around time is super fast. I just ordered pills for my cats last week, they were shipped but were not here until tonight. I submitted as soon as I purchased and I just got an email tonight saying my claim has been approved and will be in my account later this week. I can't say enough about this company, I am super, super excited to have found them, and drive people crazy that have pets telling them to sign up for the insurance. My advice is to have a credit card with a good limit used just for the cats if possible. I have it put into my checking and then I disperse it to the credit cards.

out of 5

POSTED: | BY: Rachel Rooney

Excellent Program

A life-long dog owner, this is the first time that I have purchased pet insurance. I could not be more pleased with the experience. Filing a claim is easy, and customer services has been friendly and helpful. Claims are processed and payment deposited in my bank account in about 10 days. Amazing!

out of 5

POSTED: | BY: Debbie Tupek

Metlife pet insurance

I can't say enough praise about the process of Metlife! Our sales advisor explained everything in detail, gave us choices and really took his time with us! The process to submit claims our SO easy and it gets deposited right to your account! If you LOVE your furbabies, you jeed bvb to absolutely insure them do bvb they get all the care they need. The price is fantastic! You can rest knowing your baby is covered ❤

out of 5

POSTED: | BY: John Mercer


We have three dogs. The price of our insurance is by far the best price we have ever has in the many years we have carried pet insurance. The reimbursement percentage, coverages included, and efficient response to claims filed is outstanding! Thank you Met Life Pet Insurance !

out of 5

POSTED: | BY: Shannon Wrzeski


Amazing service, quick claims, and were very sweet when my dog passed. They called to help me change my policy. I would HIGHLY recommend it!!

Monthly Cost

Plans can start at just $29


Reimbursement for up to 90% of vet costs.

Payout Limits


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


Protect your pet’s health and your wallet with MetLife Pet Insurance. Plans can start at just $29 and you can easily customize your deductible and reimbursement rates so it works for you. 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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