MetLife Pet Insurance

MetLife Pet Insurance Reviews

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Edited by: Joanna Broder

About MetLife Pet Insurance

MetLife Pet Insurance provides a wide variety of options via customizable plans. It covers cats and dogs, as well as exotic pets such as parrots and lizards in some states. With a broad network of over 500 shelter partners, MetLife supports animal welfare. With its flexible coverage available to pet owners across the U.S., MetLife can help with injuries, illnesses and routine care. However, policy terms state price increases may occur at policy renewal.

Pros
  • No waiting for some policies
  • Zero breed or age restrictions
  • Discounts available for various groups
  • 30-day money-back-guarantee
  • Covers exotic pets in some states
Cons
  • More expensive premiums than other insurance
  • Excludes coverage for microchipping
  • Premium rates may increase at renewal

What is Metlife Pet Insurance?

MetLife covers cats and dogs through its flexible, customizable plans. In some states, it also covers exotic pets. MetLife helps pet owners manage the cost of veterinary care. Depending on the plan, MetLife covers a wide range of services for illnesses, emergencies and more.

It also offers services such as holistic care, including acupuncture and chiropractic care. MetLife even covers grief counseling for you if your pet dies. MetLife extends its services to pet owners across the U.S. and does not have any breed or age restrictions.

MetLife also covers preexisting conditions if you switch from another pet insurance provider that was already paying for them.

How does Metlife Pet Insurance work?

MetLife requires an individual application and underwriting review for each pet. After signing up online or by phone, there is a waiting period of 14 days before illness coverage begins. However, accident and preventive care coverage begins the day your policy is activated.

The claims process involves submitting proof of veterinary services, after which MetLife reimburses covered charges according to the plan. Pet owners can appeal claim denials if needed.

Metlife Pet Insurance coverage

MetLife offers comprehensive coverage for various veterinary services, including treatment for illnesses, injuries and emergencies. All plans include a wide range of services, such as hospitalizations, surgeries and diagnostic procedures like X-rays and ultrasounds.

Additionally, MetLife provides coverage for medications, preventive treatments and holistic therapies like acupuncture. By opting for the standard wellness add-on, pet owners can access coverage for routine care, including vaccinations, parasite prevention and genetic testing.

What Metlife Pet Insurance does not cover

MetLife has certain exclusions in its coverage. Preexisting conditions (unless previously covered by another policy) and cosmetic or elective procedures are not covered. Breeding expenses are not covered except in cases where pregnancy results in illness or injury.

Additionally, the policy does not cover spay or neuter surgery unless you purchase the wellness plan. Other exclusions include microchipping, obedience training, grooming costs, nonprescription food, organ transplants and health or travel certificates. The company also will not cover injuries and illnesses related to working or sporting such as with police or racing dogs.

Metlife Pet Insurance pricing

Because MetLife offers such a wide range of coverage options with add-ons, ConsumerAffairs pulled some quotes to illustrate potential pricing. Pricing varies based on age, breed, location and selected coverages. Multipet family plans share a deductible.

Metlife Pet Insurance FAQ

Does Metlife Pet Insurance offer online quotes?

Yes, customers can get quotes online or by phone. Customer service can also be reached by email and chat.

Does Metlife Pet Insurance offer discounts?

Yes, MetLife offers several discounts, including:

  • Employer benefit discount: Up to 10% off for employees of companies in the program
  • Affinity group discount: Up to 10% for other affiliated groups (no specifics mentioned)
  • Internet purchase discount: Unspecified amount of discount for the first year
  • Military, veteran and first responder discount: 10% off
  • Health care workers discount: 10% off
  • Animal care discount: 10% off for staff/owners of animal care facilities
  • MetLife Pet Rewards Program: Variety of rewards automatically added to your account
  • Deductible discount: Reduces deductible up to $50 per year that you don’t have a claim
Does Metlife Pet Insurance have a money-back guarantee?

Yes, MetLife Pet Insurance offers a money-back guarantee. Customers can get a full refund if they cancel their policy within 30 days and have yet to file any claims during that period.

Does Metlife Pet Insurance pay the vet directly?

No, MetLife reimburses pet owners directly rather than paying the veterinarian upfront.

Is Metlife Pet Insurance legit?

Yes, MetLife is a legitimate pet health insurance provider. It offers various coverage options that may suit different pet owner needs. Its personalized plans and multiple pet policies deliver flexibility and convenience. However, some may consider the premiums high. Pet owners seeking complete coverage and custom policies may find MetLife a valuable option for their pet's health.

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MetLife Pet Insurance Reviews

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    How do I know I can trust these reviews about MetLife Pet Insurance?
    • 4,605,950 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
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    Customer Service

    Reviewed Feb. 7, 2025

    I have had MetLife pet Insurance for a little over a year and I find their coverage itself satisfactory. However, I have had a horrible experience with the premium payment process. Originally, I had to use payroll deduction to obtain an additional discount. My employer and MetLife were never able to truly transfer these funds correctly leading to an overpayment (4x my monthly premium for 3 months). I am no longer with that employer and thought the premium payment issue would resolve however they now have now cannot account for all the premium payments my previous employer sent them and have been charging sporadic amounts that are not equal to my new policy payments.

    I have spent countless hours corresponding with them for over a year now and no one can provide answers in customer service, and they do not allow direct communication with the accounting department. Extremely frustrated and disheartened, with their ability to handle, track and reconcile payments. I will likely cancel and go with another company and truly hope this is a one-off situation and other are not struggling like I am!

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    MetLife Pet Insurance Company Information

    Company Name:
    MetLife Pet Insurance
    Address:
    400 Missouri Avenue, Ste. 105
    City:
    Jeffersonville
    State/Province:
    IN
    Postal Code:
    47130
    Country:
    United States
    Website:
    www.metlifepetinsurance.com