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MetLife Pet Insurance Review 2023

Reviews 50
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Reviews 50
Emma Street
Aug. 07, 2023
3 min read
Emma Street
Metlife Summary
MetLife Pet Insurance offers comprehensive pet insurance coverage that includes illness, accidents, examinations, and even alternative therapies as part of its standard package. It insures all breeds of cats and dogs and has no maximum age limits. MetLife’s wellness plan and accident coverage begin at midnight on the policy start date, so you’re covered almost immediately. Claims payments are fast, with 80% of all claims paid within ten days.


  • No maximum age limits
  • Coverage for accidents within 24 hours
  • Most claims paid within ten days


  • Difficult to find information on the website
  • Policies differ depending on underwriter
  • Claims process is time-consuming

Metlife at a glance

Editorial score

Online experience

Excellent site with mobile optimization, learning resources, and live chat

Customizable rates and services

Customizable plans and rates, 50-90% reimbursement No upper age limit

Claims payout waiting period

Within 5 days

Customer support

24/7 communication and a pet hotline available


Multi-pet and multi-policy bundles available

MetLife Pet Insurance at a Glance

Online Experience
  • Easy to get a quote 
  • App available for Android and iPhone
Customizable rates and services
  • Annual benefit limit from $2,000-$10,000
  • Deductibles from $50 to $500
  • Customizable reimbursement options from 70% to 90%
  • No upper age limit for pets
Waiting period
  • No waiting period for accidents. Your pet is covered from midnight on the policy start date. 
  • Waiting period for illness is 14 days.
Customer SupportSupport available via webchat, email, and phone, Monday to Friday, 8am to 9pm EST, Saturdays 10am to 7pm EST.
Bundles?Family bundles with discounts for two or more pets insured on the same policy.

What Does it Cover

MetLife Pet Insurance covers illnesses and accidental injuries. It also covers the following:

  • Hereditary and congenital conditions
  • Chronic conditions
  • Examination fees
  • Surgery
  • Medication
  • Ultrasounds
  • Hospitalization
  • X-rays
  • Hip dysplasia
  • Holistic care and alternative therapies

You can also add wellness coverage, which includes routine checks, dental treatment, and vaccinations.

Insurance Plans & Pricing 

MetLife’s rates are reasonable compared to other pet insurers and vary depending on pet type, breed, age, and location.

In August 2022, I obtained quotes for a two-year-old labrador and an eight-year-old mixed-breed cat living in Colorado Springs. Quotes include an annual limit of $5,000, reimbursement of 80%, and an annual deductible of $250.

For the dog, I was quoted $38.20 per month for standard cover and $65.59 per month when including wellness coverage. For the cat, the standard plan is $36.58 per month and $49.06 per month with added wellness coverage.

MetLife Pet Insurance also has family packages for multiple pets. Insuring my dog and cat together would cost $60.24 (standard) or $100.11 (including wellness), which saves $14.51 per month.

Several other discounts are also available, including 10% off for animal care workers and military personnel and a $1 per month discount for purchasing online.

Note that quotes are subject to change and will differ based on location.

What Is Not Covered

Like most pet insurers, MetLife Pet Insurance does not cover pre-existing conditions. However, curable pre-existing conditions may be eligible for coverage if the condition has been previously resolved.

Other conditions not covered by MetLife Pet Insurance include:

  • Elective procedures
  • Breeding or conditions related to breeding
  • Special diets and vitamins
  • Grooming

Waiting Periods

There is no waiting period for accident coverage. Your pet is covered for accidents from midnight on the policy’s inception date. Wellness coverage (if selected) also applies immediately.

For all other coverage, including illnesses, the waiting period is fourteen days.

Coverage Limits

MetLife Pet Insurance uses two underwriters, Independence American Insurance Company (IAIC) and Metropolitan General Insurance Company (MetGen). The state in which you live will determine which company will underwrite your pet insurance policy.

Coverage limits can range from $500 to unlimited coverage, depending on your location, pet, and whether your policy is underwritten by IAIC or MetGen. 

Reimbursement and Deductibles 

Reimbursements and deductibles differ depending on location, pet details, and whether IAIC or MetGen underwrites your policy.

Reimbursement options include 70%, 80%, and 90%. Deductibles range from $50 to $500.

In August 2022, I obtained a quote for a two-year-old Labrador and was offered the following options. 


  • $50
  • $100
  • $250
  • $500

Yearly Coverage Limit

  • $2,000
  • $5,000
  • $10,000

Reimbursement Level

  • 70%
  • 80%
  • 90%

You can select any combination of deductible, yearly coverage limit and reimbursement level.

Claims and Service 

MetLife Pet Insurance covers all licensed vets in the USA. You can submit your claim form via the mobile app, online portal, email, fax, or mail. Vet bills are paid upfront by the customer and then reimbursed. There is no option for the insurance company to pay the veterinary practice directly. Most claims are paid within ten days.

Customer support is available via webchat, email, or phone, Monday to Friday 8am to 9pm EST and Saturdays 10am to 7pm EST.

What You Might Like

MetLife Pet Insurance covers all breeds of cats and dogs, including difficult-to-insure dog breeds like rottweilers and Shar Peis. Unlike many other pet insurers, MetLife doesn’t have a maximum age limit for pets it insures.

Plus, your pet is insured for accidents and wellness coverage from midnight on the policy start date, so even if they have an accident within 24 hours of your start date, this will be fully covered by your policy.

What MetLife Pet Insurance Could do Better

MetLife does not score well on customer review sites, with 1.6 on Trustpilot and 1.09 on Better Business Bureau (BBB). However, these scores are for all MetLife’s products, not solely pet insurance, including life and home insurance.

Customer feedback indicates that the claims process is not easy as you are required to download a claim form, fill it out, and then either mail it or scan it and submit it online. A fully online form would make the process easier.

Contact Details and Address

MetLife Pet Insurance

400 Missouri Avenue

Suite 105

Jeffersonville, IN 47130

Phone: 855.270.7387

Fax: 877.281.3348

Email: pet_info@metlife.com

Bottom Line

MetLife Pet Insurance offers a wide range of coverage, including for difficult-to-insure dog breeds. It also has no maximum pet age limit and provides immediate coverage for accidents and wellness care. Overall, MetLife Pet Insurance is a good option for those who want comprehensive coverage, and its wide range of discounts will be enticing to many.


Information for this review was sourced from MetLife’s website and online chat with its customer service team. I also consulted Trustpilot and Better Business Bureau (BBB).

Emma Street
Written by
Emma Street
Emma holds a BSc in Computer Science and has worked in software development for 15+ years as a support analyst, developer, and technical writer. Emma currently specializes in low-code software and web development, and has extensive experience in the fields of InsureTech and FinTech, with a keen understand—and enthusiasm for!—the intersection of personal and corporate finance and technology.
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Trustpilot reviews
See what some customers are saying about Metlife
Bad • Reviews 50
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
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Anna Turnage
5 months ago
I was worried when I saw the negative…
I was worried when I saw the negative reviews here, but my experience was fortunately the exact opposite! My cat had to have an emergency exploratory surgery. My claim was processed and I was paid in less that two weeks. I am very pleased so far with this company and I plan to keep my cat's policy with them.
shari kaplan
7 months ago
The good news is they pay the claims…
The good news is they pay the claims very well. Unfortunately the claims process can be a nightmare. I had to send in the information countless times and waste much valuable time but ultimately my claims were all paid to my satisfaction. My recommendation is to process the claims through email . Send invoices and soap notes from the vet and in the email let them know what is attached so they can’t say they don’t have it. That was the biggest headache. Customer support was terrific. Thank you
LB Reno
9 months ago
I've had MetLife for a year and a half & I'm appalled by the bad reviews, reminds me of paid hacks posting negative reviews on Yelp
I've had MetLife for a year and a half. Every claim has been paid, the longest I've had to wait was 2 weeks. They pay for all parasite % heartworm preventatives, with wellness they pay 100% of vet visits and they pay what the vet charges, not some silly limit like $150 for a spay/neuter that you see with some companies. I'm not sure why all the negative reviews but I can't believe they have gotten that many complaints, they have been great!
Matthew Bernardini
2 years ago
Great coverage - highly recommend
Great coverage, excellent customer service and friendly team.
David M.
2 years ago
SO GLAD we had this insurance
When our dog became sick, we learned just how important pet insurance was to have. We spent thousands of dollars dealing with GI issues with no clear root cause. When the vet asked if we wanted expensive tests and treatments, we were able to not think twice. We knew that we were covered and that was the best feeling. MetLife Pet has been helpful and responsive to our questions and claims. I tell everyone to consider getting this insurance for their pets.