MetLife Pet Insurance Review

Covered Treatment Illness/Injury Plan
Live vet chat 24/7 ✓ (depends on country)
Examination fees
X-ray and diagnostic tests
Bilateral conditions
Genetic conditions
Surgery/hospital stay
Repairs / other maintenance
Prescription drugs
Behavioral problems ✓ (sometimes)
Dietary supplements/supplements
Non-habitual teeth
Cruciate ligaments/IVDD

Some details may depend on where you live and the underlying insurance (IAIC or MetGen).

Available Passengers / Extras

Along with its accident and disease plan, MetLife offers an additional Routine Care plan, which covers preventive care such as prevention and treatment of infections. You can choose the annual amount of regular support when you plan your policy.

Waiting Time

MetLife advertises the industry’s shortest wait times for accidents and illnesses. Accident coverage and welfare coverage begin on the effective date of the policy. The spread of disease begins 14 days after the day of work.

According to the guidelines provided by the IAIC, medical treatment for the following conditions must wait six months:

  • Ligament problems
  • Cranial cruciate ligament (CCL) problems.
  • Posterior cruciate ligament (PCL) problems.
  • Intervertebral disc disease (IVDD)

Cancellation Policy

Unfortunately, MetLife is not very advanced when it comes to prevention. If you want to cancel your order, you can contact customer support via email, live chat, or phone to initiate the process.

Scheduled Exceptions

The following coverage areas are not included in MetLife pet insurance.

  • What was already there
  • Selection methods
  • Explaining or removing stomach ulcers or ulcers
  • Breeding or conditions related to breeding
  • Vitamins, mineral supplements
  • Costs for cosmetics and bath/shower treatments
  • Illness or injury resulting from running, jogging, patrolling, or organized fighting
  • Transplantation

What is already there

Pre-existing conditions are defined by MetLife as any conditions, illnesses, injuries, or symptoms that appear before the due date or before the end of the waiting period.

According to customer service, problems such as ear infections and pain can be ruled out if the pet has not shown any symptoms for six months. But it’s up to the claims department, and there’s no guarantee.

Pricing Plans

MetLife’s annual deductibles range from $50 to $2,500, and rebates range from 70% to 100%. Annual limits start at $500 and go to unlimited, with no lifetime benefits. You can change all of those settings when you choose your schedule.

When it comes to monthly payments, your pet’s age and breed affect the cost, as do your location and other factors. The level of annual tuition you choose will also affect how much you pay for your premium. You can check your options by searching for regular quotes online.

MetLife also offers these discounts:

  • Deducting employer benefits
  • Affinity group discount
  • Online discount
  • Military, veteran, and first responder discounts
  • Health care providers discount
  • Pet care discounts

If you don’t make a claim during the policy year, MetLife will reduce your premiums by $25 or $50, depending on your policyholder. Eligibility for certain discounts may depend on the underwriter, as well.


MetLife requires that you submit any pet insurance claims and supporting documents within 90 days of the date of treatment or invoice. You can submit your claims and pet records via the web, mobile app, email, fax, or mail. When submitting a claim you must provide a completed and signed application form, a veterinary medical history, and a written invoice for the event.

You will receive your refund by check or direct deposit if your request is approved.

MetLife processes about 80% of claims within 10 days or less.

Customer service

If you need customer support for your MetLife pet insurance policy, you can contact them via email, live chat, and phone. You can email, or call (855) 270-7387 during the following days and hours.

  • Monday through Friday: 8 am to 9 pm EST
  • Saturday through Sunday: 10 am to 7 pm EST

Third Party Ratings

MetLife pet insurance is underwritten by two different companies, depending on where the customer lives – Independence American Insurance Company and Metropolitan General Insurance Company. IAIC has an AM Best Financial Strength rating of A-, which indicates that the company is financially stable and can pay its insurance liabilities. MetGen is also highly rated, with a financial strength of A+ and A+ A+.

In a survey of pet insurance customers, one MetLife customer said they would renew their plans with MetLife because “I’m happy with my experience with this company.” Overall, customers rated the company highly in terms of handling complaints and customer support.

Other Methods

Finding the best pet insurance for you—one that fits your budget and provides the coverage you need—can take a lot of research. Take some time to research the answers to the following questions for each system you are considering before making a decision.

  • Which drugs are prescribed and which are not?
  • Is there a vertical health plan or a health management system?
  • What are the coverage limits?
  • How much does the monthly payment cost?
  • What is the deductible?
  • What are the percentages and repayment limits?
  • Is there a minimum and minimum age?


MetLife ASPCA A hug
Annual Discount Options $50 to $2,500 $100, $250, $500 $200, $300, $500, $750, $1,000
Percentage of Return 70%-100% 70%, 80%, 90% 70%, 80%, 90%
Average Demand Turnaround Time 10 days 14-28 days 10-15 days
Patient Waiting Time 14 days 14 days 14 days
Injury Waiting Time There is no time to wait 14 days 2 days
Spread of Tests Yes Yes Yes
Covering Dental Diseases Yes Yes Yes
Age Limit for Enrollment There is none There is none 14 years

Final Judgment

Those looking for essential coverage for accidents and illnesses will appreciate that the MetLife plan covers a wide range of health care, without the need for riders and supplements (although you may pay extra for coverage). MetLife has no lifetime or event limits, and it makes it easy to adjust your deductible and reimbursement rates.

Our Method: How We Review Pet Insurance Carriers

Investopedia is committed to providing consumers with unbiased, detailed reviews of pet insurance companies. We rated 25 providers and collected more than 2,000 pieces of data, including information on plans, company profiles, and fees and limits, to ensure that our reviews help users make informed decisions about their pet insurance needs.

Our entire pet insurance strategy, including our data collection process and rich data sets, is available for review.