Annual Coverage Limit: $500 to $25,000 in $1,000 increments, or unlimited (customizable for dogs and cats; exotic pets up to $10,000). Family plans share the limit across up to three pets.
Reimbursement Rate: 50%, 70%, 80%, 90%, or 100% (customizable; 100% for exotic pets only).
Deductible: $0 to $2,500 in $50 increments ($0–$750, $1,000, $1,250, $1,500, $2,000, $2,500; customizable for dogs, cats, and exotic pets). Family plans share one deductible.
MetLife Pet Insurance, offered since 2004, leverages over 150 years of insurance expertise to provide flexible, comprehensive plans for dogs, cats, and exotic pets (e.g., rabbits, birds, reptiles) in select states. Its accident and illness plans cover diagnostics, surgeries, medications, dental illnesses, hereditary conditions, and holistic therapies like acupuncture, with no per-incident limits. The optional Preventive Care plan reimburses routine expenses like vaccinations and dental cleanings. MetLife's immediate accident coverage (starting midnight post-enrollment), no upper age limits, and family plans for up to three pets with a shared deductible make it highly accessible. Discounts (up to 30% combined) for multi-pet, military, or animal care workers, plus a diminishing deductible ($25–$50/year claim-free), enhance affordability. With a 24/7 pet telehealth line via AskVet and fast claims processing (80% within 10 days), MetLife earns high marks, including a 5-star NerdWallet rating for 2025.
MetLife provides support via phone, email, webchat, and the MetLife Pet app, available Monday to Friday, 8:00 AM to 9:00 PM EST, and Saturday, 10:00 AM to 7:00 PM EST. A 24/7 pet telehealth line through AskVet offers veterinary guidance. Claims are submitted digitally with a completed claim form, itemized invoice, and veterinary SOAP note, processed in 5–10 days (80% within 10 days), with reimbursements via direct deposit, check, or Zelle. No direct vet payments are offered, requiring upfront payment by owners. Customer reviews praise the app's ease and responsive service, though some note challenges with live support access or claim disputes.
Common Complaints:
Claims Denials for Pre-existing Conditions: Customers report denials citing pre-existing conditions (e.g., stomatitis), even for minor or unclear prior symptoms, requiring extensive vet records.
Slow Claims Processing: Some claims, especially complex or large ones, take 20–30 days, exceeding the advertised 10-day timeline.
Poor Communication: Issues include unresponsive email support, long phone hold times, and occasional mix-ups with multi-pet claims (e.g., incorrect pet names on invoices).
Premium Payment Issues: A few customers experienced payroll deduction errors or felt misled about refund policies.
• Fast and Easy Claims Process: Many highlight quick reimbursements (within days for simple claims) and a user-friendly app for submissions.
• Comprehensive Coverage: Customers value coverage for dental illnesses, holistic therapies, and end-of-life expenses (e.g., cremation, grief counseling).
• Affordable Premiums: Starting at $9/month for cats and $15/month for dogs, with discounts for multi-pet or military families.
• Great Customer Service: Positive experiences include courteous, prompt representatives and a helpful 24/7 telehealth line.
Pros:
• Immediate accident coverage (midnight post-enrollment) and short 14-day illness waiting period
• Comprehensive coverage for dental illnesses, hereditary conditions, holistic therapies, and end-of-life care
• No upper age limits for enrollment and no breed restrictions
• Family plans for up to three pets with shared deductible and 5–10% multi-pet discounts
• Diminishing deductible ($25–$50/year claim-free, depending on underwriter)
• Optional Preventive Care plan covers routine care (e.g., vaccinations, dental cleanings)
• 24/7 pet telehealth and flexible customization (deductibles up to $2,500, limits up to unlimited)
Cons:
• No direct vet payments; owners pay upfront and await reimbursement
• Claims denials for pre-existing conditions can be strict, requiring 12 months of vet records
• Slow processing for complex claims (up to 30 days) and occasional multi-pet mix-ups
• Family plans limited to dogs under 12 and cats under 14
• Low Trustpilot and BBB ratings, though many complaints relate to non-pet insurance products
• Excludes microchipping, grooming, and breeding-related conditions
MetLife Pet Insurance is a compelling choice for pet owners seeking flexible, comprehensive coverage with no age or breed restrictions. Its immediate accident coverage, customizable plans (deductibles up to $2,500, unlimited limits), and unique features like diminishing deductibles and family plans make it stand out. The Preventive Care add-on and 24/7 telehealth line enhance value, particularly for multi-pet households or owners of high-risk breeds. However, slow processing for complex claims (up to 30 days), strict pre-existing condition policies, and no direct vet payments may frustrate some. Low Trustpilot and BBB scores, partly due to non-pet insurance complaints, warrant caution, but positive customer feedback on claims and service is encouraging. MetLife is best for budget-conscious owners needing robust coverage, especially for younger or healthy pets. For accurate pricing, visit www.metlifepetinsurance.com or call 1-866-937-7387.
Phone: 1-866-937-7387 or 1-855-270-7387 (Monday–Friday, 8:00 AM–9:00 PM EST; Saturday, 10:00 AM–7:00 PM EST)
Email: [email protected] (mailto:[email protected])
Webchat: Available on www.metlifepetinsurance.com during business hours
MetLife Pet App/MyPets Portal: For claims submission, policy management, and alerts
24/7 Pet Telehealth: Via AskVet for all policyholders
Mailing Address: Metropolitan General Insurance Company, 700 Quaker Lane, Warwick, RI 02886
