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
Met life has been great for my pup, Carmela Marie. It is very expensive to have your dog properly vaccinated and spayed - it's nice to get some money back! We call her insurance, Petlife.
MetLife has been a nightmare in processing claims. The database they are using seems very disorganized. One claim doesn't connect to another apparently, so they will come back asking for documentation they already have. They have the wrong diagnoses that my dog never got on EOBs. I will upload documents that somehow disappear. If not for being able to email or call to try to get these things straightened out, it would be hopeless getting claims paid correctly or at all. It requires great persistence and patience just to get claims processed correctly. I typically have to go to great lengths for a significant period of time, including the initial uploading and filing process, then having to email, call, etc. The app is also a mess, as well as website (e.g., disorganized, mistakes). I give two stars only because they have eventually paid, but I can imagine many people would not be able to succeed in getting all the messes straightened out to get claims paid.
Update: I replied to the MetLife response to this review and received a very disingenuous form email that sounded like AI and basically told me what I need to do to correctly file claims rather than respond to this review. I pointed out I did this review in response to a MetLife email asking me for a review in the first place. Their email, whether pure AI, which they do use in processing claims, or a person using AI badly, was just another example of how messed up their processes are in dealing with customers. I have dealt with some actual human beings that work for MetLife who were helpful in the past. That is what it takes to get the mistakes corrected.
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
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!
