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MetLife Pet Insurance for Dog & Cat

Updated: March 12, 2024

MetLife Pet Insurance offers accident and illness coverage for dogs and cats in the United States. They are a well-established company that offers a variety of policy options to fit different budgets with a reputation for their great customer service.

MetLife Pet Insurance Details

    • Why Our Users Picked It:

      Our users raved about MetLife’s exceptional customer service and the fact the company offers comprehensive coverage that supports both preventative and emergency care. And users also appreciate MetLife’s competitive pricing.

      Pros & Cons:

      • Lower pricing than many providers in the market
      • A wide range of coverage options
      • Friendly and knowledgeable customer service reps
      • Easy and fast claim process
      • 6-month waiting period for cruciate ligament issues and intervertebral disc disease
      • Potential technical issues with the mobile app

      Plan Limits

      • Per Condition Limit $2,000 - $10,000
      • Lifetime Limit
      • Deductible Type Annual
      • Direct Pay

      What is Covered?

      • Accident and Injury
      • Hospitalization
      • Rehabilitation
      • Continual Care
      • Emergency Visits
      • Surgery
      • Dental Trauma
      • Foreign Object Ingestion
      • Congenital or Hereditary Conditions
      • Cancer Treatments
      • Dietary Supplements
      • End of Life: Burial and Cremation
      • Illness
      • Specialists
      • Prosthetics
      • End of Life: Euthanasia
      • Prescription Drugs
      • Outpatient Care
      • Bilateral Conditions
      • Travel Coverage
      • Vet Exam Fees
      • Medical Imaging
      • Organ Transplants
      • Wellness Cover
      • Lab Tests
      • Behavioral Treatments

      Plan Summary

      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!

    Most popular State insured by MetLife Pet Insurance

    Here are the top 10 State covered by MetLife insurance.

    STATE / PROVINCE % of user
    California 10.00 %
    Florida 8.33 %
    Illinois 6.67 %
    New York 5.00 %
    Pennsylvania 5.00 %
    New Jersey 5.00 %
    Massachusetts 5.00 %
    North Carolina 5.00 %
    Colorado 5.00 %
    Maryland 3.33 %
    Data source date 60 days, based on user selected percentage
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    Compare With Other Top Pet Insurance Providers 2024

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    • Users appreciate that Fetch offers up to 90% reimbursement rates. Some have also expressed the ease of submitting claims, with some saying they submitted claims in the vet’s office from their phone within minutes.
    • Quite a few users have mentioned that Lemonade offers some of the most affordable policies in the market. Many also appreciate that coverage is extensive and covers a wide range of medical conditions and procedures.
    • Many of our users stated they found Trupanion’s customer service to be exceptional. Responses are prompt and helpful. In addition, many find the claims process to be simple, efficient and user-friendly.
    • Users appreciate the effortless claim process and timely refunds in as little as 24-48 hours. Comprehensive coverage with up to 90% of bills covered has also been highlighted by many.
    • Users appreciate that ASPCA offers comprehensive coverage that includes emergency services as well as preventative care. Many have also highlighted ASPCA’s helpful and responsive customer service representatives.
    • Our users appreciate that Hartville offers flexible coverage options as far as policy limits, deductibles and reimbursement rates. This puts them in the driver’s seat and allows them to choose a policy they can comfortably afford.
    • Users have raved about the awesome customer service this provider offers. Some have also highlighted quick turnaround time for payments once a claim has been submitted.
    • Many users have praised Spot for their quick and hassle-free claim process. They also mention how quickly they are reimbursed in most cases and that customer service is both kind and helpful.
    • Users rave about how easy it is to submit a claim and receive updates on it. Many have also said how much they appreciate how fast reimbursements are. The company has also been highly praised for its transparent coverage policies and clear communication.
    • Some reviewers have praised AKC for offering an easy claims submission process. Others have said how much they appreciate the great customer service and that payments are generally made within days of making a claim.
    • Reviewers appreciate that Figo offers Wellness coverage for preventative care. Many also mentioned the claims process was hassle-free.
    • Reviewers highlighted how wonderful customer service is. Not just responsive and knowledgeable but also really compassionate during times of stress and worry. One person even mentioned how the company sent flowers after her pet had to be euthanized.
    • Users love the great customer service offered by Many Pets and the fact that they offer competitive pricing. Many Pets will also reduce the accident and illness waiting period to 24 hours if you are switching from another insurance provider.

    Select up to 3 providers to compare

    MetLife Pet Insurance FAQ?

    • 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.

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