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MetLife Pet Insurance Review
In a nutshell: MetLife offers insurance plans for pets of all ages, including seniors. The company is known for having one of the shortest waiting periods for accident and illness coverage, and most claims are processed within 10 days! You can customize your deductible and reimbursement rates to fit your pet's needs and budget.
MetLife Pet Insurance Review
In a nutshell: MetLife offers insurance plans for pets of all ages, including seniors. The company is known for having one of the shortest waiting periods for accident and illness coverage, and most claims are processed within 10 days! You can customize your deductible and reimbursement rates to fit your pet's needs and budget.
MetLife Pet Insurance Review

Overview

MetLife offers pet insurance plans for cats and dogs of all ages, including seniors. MetLife Pet Insurance was named "Pet Insurance of the Year" in the 2022 Pet Independent Innovation Awards. The company is known for having one of the shortest waiting periods for accident and illness coverage, and most claims are processed within ten days!

Every customer can customize their deductible and reimbursement rates to fit their pet's needs and budget. MetLife Pet Insurance is the only provider that offers family plans, which means you can cover multiple pets on one policy.

You can also use any licensed vet in the U.S., giving you the freedom to choose the best care for your furry friends. Plus, there's no initial exam or previous vet records required to enroll. And, with competitive rates and discounts, you can rest assured that you're getting the best value for your money.

As an added bonus, MetLife also offers 24/7 telehealth concierge chat so that you can get answers to your pet's health questions anytime, anywhere. So with MetLife pet insurance, you can spend more time loving your pets and less time worrying about unanticipated vet bills.

Policies

MetLife offers comprehensive pet insurance plans that can help you save money on unexpected vet bills. With MetLife, you can customize your coverage to fit your pet's unique needs and your budget. Just take your dog or cat to any licensed vet in the United States, pay the bill, and then send off your claim along with vet records and invoice from the visit. MetLife will take care of the rest. Most claims are processed in less than two weeks, and you can rest easy knowing that your pet is receiving the best care possible.

MetLife plans cover a wide range of conditions and treatments, including accidents, illnesses, surgeries, and much more. You can even opt for additional preventive care coverage at an affordable cost, which covers parasite prevention and treatment, special diets, and other preventive measures.

MetLife also offers innovative policy benefits that set them apart from other pet insurance providers. For example, they are the only provider to offer family plans, which cover multiple pets on one policy. With customizable plans, an easy enrollment process, and hassle-free claims, you can enjoy peace of mind knowing that your furry family members are covered.

Limitations

While MetLife Pet Insurance offers comprehensive coverage for a wide range of accidents and illnesses, it's important to note that there are certain limitations and exclusions to the coverage.

Elective procedures, such as cosmetic surgeries or procedures deemed unnecessary by a veterinarian, are not covered by MetLife Pet Insurance. Additionally, the expression or removal of anal glands or anal sacculitis, which are considered routine procedures, are not covered.

Breeding or any conditions related to breeding are also excluded from coverage. Vitamins, mineral supplements, grooming costs, and any injury or illness that arises from racing, coursing, commercial guarding or organized fighting of your pet are not covered by MetLife Pet Insurance.

Organ transplants are not covered, and pre-existing conditions may not be covered. Pre-existing conditions include any conditions, illnesses, injuries, or symptoms that existed prior to the coverage date or during any applicable waiting period. It's important to review the policy for complete details regarding pre-existing conditions.

Cost

MetLife Pet Insurance offers three different types of insurance options for your pet: the Most Balanced, Most Popular, and High Deductible Option.

Listed below are three possible cost options for a large male dog aged one year:

The Most Balanced Plan has a monthly premium of $28.23, an annual benefit of $2,000, a deductible of $250, and a reimbursement rate of 80%. This plan is a good choice if you want an affordable option that still provides decent coverage for your pet.

The Most Popular Plan has a monthly premium of $36.22, an annual benefit of $5,000, a deductible of $250, and a reimbursement rate of 80%. This plan is the most popular option and offers a higher annual benefit for a slightly higher monthly premium.

The High Deductible Option has a monthly premium of $21.46, an annual benefit of $10,000, a higher deductible of $2,500, and a reimbursement rate of 80%. This plan is a good choice if you want to pay a lower monthly premium but have a higher deductible in case of a major emergency.

All three plans do not include preventive care coverage. The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay and the type of coverage you need.

Customer Support

MetLife Pet Insurance is dedicated to providing excellent customer care. Whether you have a question about your policy or need assistance with filing a claim, the knowledgeable customer service team is available to help you every step of the way.

You can reach the customer care team by phone, fax, mail, and email. And the call center is open Monday through Friday from 8 am to 9 pm EST and Saturday through Sunday from 10 am to 7 pm EST.

MetLife also has a comprehensive FAQ section on the official website. This section is available 24/7 for anyone to access at any time. Here, you can find answers to many common questions about pet insurance, including coverage options, claims procedures, and more.

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prosAndCons icon
Pros
  • The only provider to offer family plans
  • 24/7 telehealth concierge app
  • Use any licensed vet in the U.S.
prosAndCons icon
Cons
  • Limited to the states
  • Pre-existing conditions not covered
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Most Commonly Asked Questions About Pet Insurance Plans
Before getting started with a pet insurance plan make sure to familiarize yourself with how pet insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about pet insurance to help make sure your dog or cat is fully covered and protected.
What is Pet Insurance?
Whether you have a cat or a dog, your pet will more than likely need to see a vet at some point. Seeing a vet is not cheap, and vet bills can add up, sometimes costing you thousands of dollars a year. Rather than paying for medical expenses out of pocket, signing up for a pet insurance plan will help cover the costs of future routine and emergency veterinary bills.
How Does Pet Insurance Work?
Pet insurance works a lot like human health insurance in that plans include payment features like deductibles, co-pays, maximum coverage, premiums, waiting periods, and no coverage for pre-existing conditions.

Deductible: Customers pay a small amount before the insurance company covers the remaining costs of the vet bills. Per-incident deductibles incur for each new expense. An annual deductible refers to money the customer must pay each year.

Co-pay: Co-pay is the percentage customers pay after the deductible. Then the insurer will pay the remaining amount. For example, if your co-pay is 10%, the insurer will cover 90% of the bill.

Maximum coverage: Insurers will limit the amount covered. After that, the pet owner will need to pay the rest. Some insurers have the option of unlimited coverage.

Premium: The amount of money the customer pays monthly for pet insurance. Waiting period: The amount of time before your coverage starts. Sometimes pet insurance providers will not cover an illness or injury if it occurs during the waiting period.

Pre-existing conditions: Pet insurance providers do not cover pre-existing. This refers to a health condition that exists prior to the insurance coverage.
What does Pet Insurance Cover?
Each pet insurance provider has its own customized insurance policies. The extent of the coverage will depend on the provider and plan that you choose.

When choosing a plan, consider whether you want the following types of coverage depending on the needs of your pet:
  • Preventative/wellness care
    • Hereditary conditions
      • Dental care
        • Unexpected illness and injuries
          • Diagnostic tests
            • Surgeries Hospitalizations
              • Medication Supplements or prescription food

                If your pet is at greater risk for certain medical treatments due to its breed or age, you might want to consider choosing a provider and plan that covers breed-specific and genetic conditions. However, it is important to note that most providers do not provide coverage for pre-existing conditions.
Can Pet Insurance Save You Money?
Medical bills, even for pets, can end up costing a lot of money. Paying out of pocket could cost you thousands of dollars and lead to debt. If you own a pet, paying a little now can save you a lot later on.

With our list of the top pet insurance companies, you can shop around for the best option for your pet to ensure you get a good deal for quality coverage.
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