MetLife Pet Insurance Review (2025)

If you’re a pet parent, you know how important it is to ensure your furry family member is happy and healthy. But, as many of us have learned, unexpected vet bills can add up quickly. From emergency surgeries to ongoing treatments, pet medical expenses can be a financial burden. That’s where pet insurance comes in—and MetLife Pet Insurance has emerged as a reliable option for many pet owners. Through its partnership with Pets Best, MetLife offers pet insurance policies designed to safeguard both your pet’s health and your wallet.

In this guide, we’ll dive deep into the specifics of MetLife Pet Insurance, covering everything from the available coverage options, plans, and pricing, to the claims process, preventive care add-ons, and customer support. By the end, you’ll be able to determine if MetLife Pet Insurance is the right choice for your beloved pet.

Coverage for Pets

One of the most important factors in choosing a pet insurance provider is the coverage options. MetLife Pet Insurance stands out by offering comprehensive coverage designed to address a wide range of pet health needs. Here’s an overview of what’s included under their policies:

What’s Covered

1. Accidents: Accidents are covered under all of MetLife’s pet insurance plans. Whether your pet sustains a broken bone, suffers from a cut, or experiences a sprain, MetLife will help cover the cost of treatment. This includes injuries caused by falls, motor vehicle accidents, and any other unforeseen situations.
2. Illnesses: From common illnesses like infections to more serious conditions like cancer, MetLife provides coverage for a wide range of health issues. Pets, like humans, are susceptible to infections, chronic diseases, and other conditions that may require costly treatments. MetLife steps in to cover those medical bills, giving you peace of mind when your pet falls ill.
3. Hereditary and Congenital Conditions: These often-overlooked issues are included in MetLife’s plans, making it ideal for owners of breeds prone to genetic health concerns. For instance, some dog breeds are known to be predisposed to hip dysplasia, and MetLife covers the treatment of these hereditary conditions under certain plans.
4. Emergency Care and Surgeries: Whether your pet requires emergency care for a sudden accident or a planned surgery, MetLife has you covered. This includes everything from diagnostic tests to surgeries and follow-up care.
5. Prescription Medication: If your pet requires medication as part of their treatment, MetLife will help cover the cost of prescription drugs. This is especially important for pets who require ongoing medication for chronic conditions like arthritis or diabetes.

What’s Not Covered

While MetLife offers a wide range of coverage options, there are some exclusions. MetLife does not cover routine or preventive care under their standard plans. Wellness services like dental cleanings, spaying/neutering, vaccinations, and flea treatments fall outside the coverage, unless you opt for additional preventive care add-ons (more on that later).

Customizable Plans

One of MetLife’s best features is its flexibility. You can customize your pet’s policy based on their age, breed, and specific needs. This means you can choose a plan that’s tailored to your pet’s health risks, ensuring you’re only paying for what’s necessary.

Plans and Pricing

MetLife Pet Insurance offers three primary plans, making it easy to choose the one that best suits your pet’s needs and your budget.

1. Accident-Only Plan
   This plan is ideal for young, healthy pets with minimal medical history or for owners who are on a tight budget. The Accident-Only Plan covers injuries such as broken bones, sprains, or wounds caused by accidents. However, it does not cover illnesses, so it’s important to consider this if you’re looking for more comprehensive coverage.
2. Accident and Illness Plan
   This is the most popular option for many pet owners. It covers both accidents and a wide range of illnesses, including hereditary conditions, infections, and chronic health issues. This plan provides broader protection and is suitable for pets of various ages and health conditions.
3. Comprehensive Plan
   For pet owners who want complete peace of mind, the Comprehensive Plan is the way to go. It includes coverage for accidents, illnesses, and additional treatments like rehabilitation, chiropractic care, and alternative therapies. This plan is ideal for older pets or those with existing medical conditions, as it provides the most thorough protection.

Pricing Factors

The price of your premium will vary depending on factors such as your pet’s age, breed, location, and the coverage plan you select. Generally speaking, MetLife Pet Insurance is competitively priced, with premiums ranging from $15 to $50 per month for both cats and dogs.

Selecting the Right Plan

Choosing the right plan for your pet requires a bit of thought. Consider your pet’s medical history, age, and breed. Older pets or breeds with known health issues may benefit from a more comprehensive plan, while younger, healthy pets may do well with an accident-only plan.

Preventive Care Add-ons

For pet owners focused on maintaining their pet’s health through routine care, MetLife offers optional preventive care add-ons. These add-ons allow you to enhance your coverage by adding wellness services that are not included in the standard plans.

What’s Included?

• Vaccinations: Ensure your pet is up-to-date on essential immunizations.
• Annual Check-Ups: Routine wellness exams help detect potential health issues early.
• Flea and Tick Prevention: Protect your pet from harmful parasites.
• Spaying/Neutering: Covers the cost of sterilization procedures, which are important for many pet owners.

Cost Considerations

Adding preventive care to your policy will increase your monthly premium slightly, but it may save you money in the long run by covering frequent veterinary expenses. It’s a great option for pet owners who want to manage their pet’s overall health proactively.

Claims Process and Reimbursements

MetLife has streamlined its claims process to make it as easy as possible for pet parents. If your pet needs care, here’s how the claims process works:

Filing a Claim

1. Collect Documentation: After each visit, save your invoices and veterinary records. This will be required when filing a claim.
2. Submit a Claim: You can file a claim via MetLife’s online portal, mobile app, or by email. The process is straightforward and digital-first, making it convenient for busy pet owners.
3. Review Process: Once submitted, your claim is typically reviewed and approved within 10 to 14 days. During this time, MetLife will assess your documents and determine the reimbursement eligibility.

Reimbursement Options

MetLife offers flexible reimbursement options. You can choose between 70%, 80%, or 90% reimbursement levels, depending on the plan you’ve selected. Once your claim is approved, reimbursements are issued via check or direct deposit, depending on your preferences.

Deductibles Explained

MetLife allows you to customize your deductible, which typically ranges from $50 to $1,000. The deductible is the amount you pay out-of-pocket before your coverage kicks in. Generally, higher deductibles result in lower premiums, so you can adjust the deductible to find the right balance between your budget and your level of coverage.

Customer Support

When dealing with insurance, responsive customer service is crucial—and MetLife excels in this area. The company offers several support channels to ensure pet owners can get help when they need it most.

Support Channels

• Phone: Speak directly with a representative for real-time assistance.
• Email: A convenient option for non-urgent inquiries.
• Online Chat: Get real-time help through MetLife’s website.

Digital Tools

MetLife offers a Customer Portal and a mobile app that make it easy to file claims, track reimbursements, and update your policy details. The app is highly rated, with many pet owners praising its ease of use and functionality.

What Customers Say

Many pet owners have praised MetLife’s support team for their professionalism and efficiency. In addition, reviews often highlight the user-friendly mobile app, which simplifies the process of managing policies and filing claims.

Why MetLife Might Be the Right Choice for You

MetLife Pet Insurance stands out for several reasons. Its comprehensive coverage options, customizable plans, and added-value benefits like preventive care and an intuitive claims process make it a strong choice for many pet owners. Whether you’re looking for basic accident coverage or comprehensive protection for your senior pet, MetLife offers flexible solutions that can be tailored to your pet’s specific needs.

However, like with any insurance, it’s important to assess your pet’s unique health situation and compare different providers. What works for one pet may not work for another. Be sure to carefully evaluate your options before committing to a policy.

Take the Next Step for Your Pet’s Health

Every pet deserves the best care, and having insurance ensures you’re always prepared for the unexpected. If you’re interested in exploring MetLife Pet Insurance, visit their website to learn more about their plans, get a personalized quote, and give your pet the protection they need.

With the right coverage, you can rest easy knowing that your furry friend will receive the best possible care without breaking the bank.