MetLife | Pet Insurance Review


out of 5

Number of reviews 455

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 4.3
  • 4.6
  • 4.7
  • Count
  • 34
  • 279
  • 455

Updated: March 12, 2024

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

VETERINARIAN: Baldwin Harbor Animal Hospital

POSTED: | BY: Keri-Ann Nelson

Best Decision I Ever Made

I have had 4 cats for the last 17 years. Sadly I have lost 3 (2 were bottle fed from the same litter) over the years and my last girl is 17 and going strong. Needless to say the medical bills have racked up over the years. Last year my job offered us discounted pet insurance through our benefits and it was the best choice I ever made. Issues have been resolved every time I have contacted them. They have covered every claim I have put in, including my boys final medical bills to my girls prescription food. Only complaints I have is that I wished this worked like human insurance because you don't always have it to lay out ahead of time. I wish you could pay your premium and pay co-pays. Only other complaint I have is that it has been taking over two weeks for the claims to be processed. Which I understand, especially now that they are adding companies in. Other then that I have had nothing but good experiences.

out of 5

POSTED: | BY: Donald LaFleur

so far so good

I waited a year before reviewing. We have made 3 claims on our2 yo female lab mix~all due to orthopedic injury and surgery. Process to submit claim was easy~we completed through the app. I am not techy, but found it simple enough to upload records for the claim. Our claims were all processed and paid w/i 2 weeks. I did have to call customer service on one claim to clarify if more documentation was needed to process. They were friendly and helpful.

out of 5

POSTED: | BY: Roxana Urrutia

Experience was positive

I had my doubts, but now I am considering getting the insurance for my pets.

out of 5

POSTED: | BY: Kimberly Rutledge

Easy, but took long to process

This was my first time submitting a claim. It was easy to get the SOAP notes required from my vet, and inturn email everything to the claims dept. The time frame for claims is just a little long. Maybe it was because I had to send 12 months worth of notes and bills. Now that they have all that info, hopefully next time the process will be quicker. I was reimbursed what was expected.

out of 5


POSTED: | BY: Roo Grubis

Excellent and efficient two years in.

I had PetPlan/Fetch for 17 years or so and after they imploded switched to MetLife. I have had three young dogs covered by MetLife (including wellness), two of them since eight weeks and another I switched at around age five. MetLife has been very prompt at reimbursing and very good about reimbursing everything covered by the plan (read your policy!!!). The wellness plan has been a surprisingly great deal for us and seems to be the best of its kind in the industry. My five-year-old became very ill with lymphoma after a few months on the plan and they were still fantastic about covering the costs of her treatment and testing. They also covered an emergency visit ($1500) for extreme diarrhea and vomiting of one of my pups. Submitting claims is extremely easy. Reimbursement for straightforward, routine things like vaccines comes in about two business days, more elaborate issues can take up to two weeks in my experience. Submitting your vet's treatment notes yourself will speed the process along, but they will contact the vet and get the information if you do not. Policyholders have the ability to consult with a vet 24/7 through the app which can be super helpful if you need guidance on small things or to determine if you need to head to an emergency vet. We had only one issue with them and that was after my five-year-old died. I had had her and my pup on a "family plan" and when she died, I was not informed that the plan would be rewritten to a single plan, and thus I had to fulfill my deductible again. But overall, we have been extremely happy with MetLife, and highly recommend them if you have the ability to front payment for treatment until you are reimbursed..

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.


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. 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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