MetLife Pet Insurance Review

Covering your pet with an insurance policy is a responsible move, not only for your pup but for your wallet, too. Dog owners can spend an average of $900 to $2,600 a year on routine veterinary care and medications—and that doesnt account for emergency vet visits, which can average between $150 and $1,200 per issue. This is where pet insurance comes in handy, covering your pet for any unexpected accidents or illnesses.

In this comprehensive review, well cover the pros and cons of choosing MetLife as your pet insurance provider, as well as whats covered under their plans and whats not. Well also compare their plans and pricing to other top pet insurers like Nationwide to help you make an informed decision.

Last Updated February 2024

MetLife Plan
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8.9

8.9

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Highlights
Plans start at $15 per month for dogs & $9 per month for cats
Full coverage plans and optional preventative care add-ons
Offer family plans, covering multiple pets on a single policy
Wide range of annual reimbursement limits, rates, and deductibles
App and online portal for claims, with most processed in 10 days
Among the most experienced with more than 15 years in business

About MetLife Pet Insurance

MetLife is a top name in the insurance world, having provided policies for humans for more than 150 years. The company is seasoned in the pet insurance business as well, covering our furry friends for the past 15 years, which is much longer than a lot of other names in the industry. The company offers comprehensive pet insurance plans for dogs and cats, with flexible options for reimbursement limits, deductibles and reimbursement percentages.

MetLife Pet Insurance Pros & Cons

There are lots of great benefits to choosing MetLife as your pet insurer. But before coming to a decision, its important to consider both the pros and the cons:

Pros:

  • Comprehensive, full-coverage plans and optional preventative care coverage
  • No lifetime or per-incident limits for pets of all ages
  • No breed exclusions or upper age limits
  • No initial exam or previous vet records required to enroll
  • Among the shortest wait periods for accident and illness coverage: Accident coverage begins on day one of your policy; illness coverage starts after 14 days
  • Most claims processed within 10 days; direct deposit available
  • Diminishing deductible automatically decreases by up to $50 for each policy year that you dont receive a claim reimbursement

Cons:

  • MetLife uses two underwriting companies for their policies, which means there are some differences based on what state you live in, such as waiting periods

Even though they offer options for an unlimited annual reimbursement limit, $0 deductible and 90 percent reimbursement rate, we werent able to customize the online quote finder with all of these variables, so depending on the options youre looking for, you may have to reach out to a customer service rep to set up your plan

MetLife Pet Insurance Plans, Coverage & Pricing

Now that we’ve looked at the pros and cons of MetLife for pets, let’s take a closer look at how the company has set up their plans and pricing.

Like many pet insurance providers, MetLife has one main, full-coverage plan that allows you to choose your annual reimbursement limit, deductible and reimbursement percentage. This is how you customize the plan to meet the needs of your pet as well as your budget. MetLife also offers a preventative care add-on option, which well cover in more detail below.

MetLife Pet Insurance Coverage & Restrictions

As a general rule, pet insurance policies will have a number of inclusions as well as exclusions, and the best companies are the ones that are up front about both. We found MetLife to be transparent in this area, with easy-to-find information about their coverage inclusions as well as restrictions.

Here’s a breakdown of some of the things that are covered under MetLife Pet Insurance:

  • Accidents
  • Illnesses (including hereditary, congenital and chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • Cruciate ligaments
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic care and alternative therapies
  • Emergency care
  • Pet food for special diets
  • Intervertebral disc disease

Here are some of the things that are not covered under MetLife Pet Insurance:

  • Pre-existing conditions 
  • Elective procedures
  • Expression or removal of anal glands
  • Breeding or conditions related to breeding
  • Vitamins and mineral supplements
  • Grooming costs and bathing, including medicated baths
  • Illness or injury that arises out of racing, coursing, commercial guarding or organized fighting of your pet
  • Organ transplants

MetLife Pet Insurance Cost

MetLife factors in your pets breed, age and location to calculate your quote, and since all pets (and their owners) are unique, MetLife provides flexible customizable coverage options so you can choose the plan that works best for you.

Next, well break down all of those options and show how they can impact your monthly payment:

  • Annual reimbursement limit:
    • The maximum dollar amount you can be paid back per policy year
    • Options range from $2,000 to $10,000*
    • The higher your annual reimbursement limit, the more youll pay per month
  • Annual deductible amount:
    • The fixed dollar amount you’re responsible for paying before your insurance kicks in
    • Options range from $50 to $500*
    • The lower your deductible, the more youll pay per month
  • Reimbursement percentage:
    • The percentage of each covered vet bill youll be paid back after you meet your deductible
    • Options range from 70 percent to 90 percent*
    • The higher your reimbursement rate, the more youll pay per month

We used MetLifes online quote generator to fetch” these quotes that demonstrate how your monthly premium price changes based on the coverage options you choose. Our quotes are based on a three-year-old mixed-breed male dog (20 to 100 pounds) in Atlanta*:

  • For a plan with a $2,000 annual reimbursement limit, $250 annual deductible and 80 percent reimbursement rate, the monthly premium would be $24.32.
  • For a plan with a $5,000 annual reimbursement limit, $250 annual deductible and 80 percent reimbursement rate, the monthly premium would be $30.51.
  • For a plan with a $10,000 annual reimbursement limit, $2,500 annual deductible and 90 percent reimbursement rate, the monthly premium would be $20.96.

As is typical across all pet insurers, MetLifes cat insurance plans are cheaper than dogs. Here are our sample quotes for a three-year-old mixed-breed male cat (less than 20 pounds) in Atlanta*:

  • For a plan with a $2,000 annual reimbursement limit, $250 annual deductible and 80 percent reimbursement rate, the monthly premium would be $18.28.
  • For a plan with a $5,000 annual reimbursement limit, $250 annual deductible and 80 percent reimbursement rate, the monthly premium would be $21.30.
  • For a plan with a $10,000 annual reimbursement limit, $2,500 annual deductible and 90 percent reimbursement rate, the monthly premium would be $16.57.

*These amounts reflect the options at the time of this review and are subject to change.

Optional Features & Inclusions

As an optional feature, MetLife also offers a preventative care plan. This can only be purchased as an add-on to a pet insurance policy. MetLifes website states that the preventative care plan covers any treatment, service or procedure for the purpose of prevention of injury or illness or for promotion of general health, where there has been no injury or illness.”

While the company does not provide a full list of whats covered on their website, their customer service team confirmed that typical inclusions under their preventative care plan are wellness exams, blood panels, parasite prevention, spay and neuter fees and flea and tick medications. 

Preventative care pricing depends on what level of coverage is chosen for the insurance plan. Based on our quotes for a three-year-old mixed-breed dog in Atlanta, it ranged from an additional $24.60 to $26.97 per month.*

*These amounts reflect the options at the time of this review and are subject to change.

Differences for Dogs vs Cats

MetLife offers the same great coverage for dogs and cats. Where the plans differ is in price, since cats typically dont need to visit the vet as often as dogs do. MetLife dog insurance plans start at $15 per month, while their cat insurance plans start at $9 per month.*

*These amounts reflect the options at the time of this review and are subject to change.

MetLife Pet Insurance Discounts

MetLife offers a variety of discounts, including active military, veterans, first responders, healthcare workers, veterinarians and other animal care staff members. If you fall into one of these groups, youre eligible for 10 percent off your pet insurance premium.

And if not, MetLife also offers a $1 monthly discount for any plan purchased online.

They also offer an employer benefit discount, which means if your company offers MetLife Pet Insurance as a benefit, you can enroll your pet at a discounted rate.

How Does MetLife Pet Insurance Compare to Other Top Brands?

Now that we’ve looked at MetLife in detail, let’s compare them to some other top pet insurance providers.

MetLife vs Nationwide Pet Insurance

Nationwide and MetLife are similar in that they are both major insurance providers that have branched out to offer pet insurance policies. There are some big differences to consider when it comes to their plan structure and pricing, however:*

  • Nationwides plans are more expensive than Metlife, with options starting at $35 per month
  • Nationwides plans are structured differently, with three plan options covering different treatments and services on each tier; MetLife keeps it simple with one comprehensive plan
  • Nationwides plans have a set deductible of $250; while this is low, it drives the monthly price higher
  • Instead of a total annual reimbursement limit, two of three Nationwide plans have reimbursement limits that are set per condition, and their third plan, which has a $10,000 annual limit, only offers 50 percent or 70 percent reimbursement rates. MetLife offers an unlimited reimbursement limit option and up to 90 percent reimbursement rates.

*These amounts reflect the options at the time of this review and are subject to change.

MetLife vs Pets Best Pet Insurance

Like MetLife, Pets Best is a reputable pet insurance provider offering comprehensive coverage. Their plans and add-ons are structured differently, as is the pricing and enrollment requirements. Heres what you need to know:

  • Pets Best looks at 18 months of medical history for your pet; MetLife does not require previous medical records to enroll
  • Pets Best has three plan levels, with different services and treatments included at each tier; this differs from MetLifes one simple plan option
  • Pets Best has fewer options when it comes to annual reimbursement limits, deductibles and reimbursement percentages, and they do not offer a $0 deductible or 90 percent reimbursement like MetLife does

Our Verdict

MetLife is a leader in the pet insurance industry, with some great benefits thatll make your ears perk up. What sets them apart from other providers is their short wait times (especially for accident coverage, which kicks in on day one of your policy) and fast claims processing. We also love that MetLife has no lifetime or per-incident limits, no breed exclusions or upper age limits and no initial exam or previous vet records required to enroll. Their plans are moderately priced in the market and they have 15 years of experience backing them up as a comprehensive pet insurance provider.

MetLife Pet Insurance FAQ

How does MetLife Pet Insurance work?

After you sign up for a MetLife Pet Insurance plan, accident coverage for your pet begins immediately and illness coverage starts after 14 days. Then if your dog or cat gets hurt or sick, you can take them to any licensed vet, clinic or specialist in the U.S.

After the visit, pay the vet bill and start a claim for reimbursement with MetLifes easy-to-use app or online portal. Claims are processed within 10 days and once approved, MetLife will send you a check or reimburse you via direct deposit.

Is MetLife Pet Insurance good?

Yes, MetLife Pet Insurance is a great option for pet owners. The company offers comprehensive coverage for both cats and dogs, plus optional preventative care, which covers annual wellness exams, flea and tick medication and more. And because the company has been in the pet insurance business for more than 15 years, it has a strong reputation and extensive experience when it comes to providing quality pet insurance policies.

How much is MetLife Pet Insurance?

MetLifes plans are priced very competitively in the market, with dog insurance plans starting at $15 per month and cat insurance plans starting at $9 per month.* The cost of your premium will vary depending on the type of pet you have, their age, breed and where you live. Other variables include what amounts you choose for your annual reimbursement limit, deductible and reimbursement percentage. These factors are customizable and allow you to build a plan that suits your pet and your budget.

You can get a MetLife Pet Insurance quote for your pet by visiting the company’s website and using their online quote tool. Simply enter some basic info about you and your pet, and youll receive your quote instantly.

*These amounts reflect the options at the time of this review and are subject to change.

What does MetLife Pet Insurance cover?

MetLife Pet Insurance covers a wide variety of treatments for your pet, including accidents, illnesses, chronic conditions, hospitalizations, surgeries, diagnostic tests, exam fees, X-rays, ultrasounds, medications, holistic care and alternative therapies, emergency care and more.

You can also add on a preventative care plan, which covers things like wellness exams, blood panels, parasite prevention, spay and neuter fees and flea and tick medications.

Methodology

The Consumer Rating Difference

Behind Our Best Pet Insurance Ratings

We make choosing the best pet insurance easy with expert reviews and rankings.

Here’s the methodology behind our ratings:

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Comprehensive Overviews

From unique offerings and plan details to coverage, pricing and more, we cover it all in our detailed reviews.
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Pricing Details

We break down how much each pet insurance plan costs, noting everything that’s included under each tier.
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Pet Insurance Comparisons

With so many different services available, it can be hard to decide which one is right for you. We compare pet insurance companies and take a look at what each company offers, their pricing, their coverage and more.
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FAQs

In case the review wasn't enough to, we also include several FAQs to help ensure you have all you need to make an informed decision.