Metlife Pet Insurance Review & Prices

Metlife Pet Insurance

Overall Rating 4.0 / 5

four star review
  • Affordable Premiums
    • For dogs – starting from $15
    • For cats – starting from $9
  • Customizable Plans
    • Deductibles: $50, $100, $250, $500
    • Reimbursement rates: 70%, 80%, 90%
    • Annual coverage limits: $2,000, $5,000, $10,000
  • Comprehensive Coverage
    • Accident & illness plans cover various health-related issues, including chronic conditions and alternative therapies.
    • Accident-only plan available
    • Optional preventive care add-on covering routine care such as vaccinations, blood work, and wellness exams

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About MetLife Pet Insurance 🌟

MetLife Pet Insurance, a renowned provider in the pet insurance sector, excels in offering comprehensive and customizable insurance solutions for your cherished pets. Known for its legacy in the insurance industry, MetLife stands out with its affordable premiums and varied plan options.

Key Highlights
MetLife offers an extensive range of insurance plans for both dogs and cats, encompassing accident and illness coverage. The plans are notable for their inclusiveness, covering a broad spectrum of healthcare needs, including chronic conditions, hereditary issues, and even alternative treatments.

Why Choose MetLife?
What distinguishes MetLife is its commitment to providing flexible and personalized insurance solutions. Pet owners have the liberty to tailor their policies according to their specific requirements, selecting from various deductibles, reimbursement rates, and coverage limits. This adaptability, coupled with competitive pricing, positions MetLife as a preferred choice for pet insurance.

A Partner in Comprehensive Pet Care
MetLife goes beyond being just an insurance provider; it positions itself as a comprehensive partner in your pet’s overall health journey. The company prides itself on its efficient claims process and responsive customer support, focusing on making pet insurance a smooth and worry-free experience for pet owners, enabling them to concentrate on the most important aspect – the health and happiness of their pets.

MetLife Pet Insurance Plans and Coverage🛡️

Explore MetLife’s extensive pet insurance options, designed to provide tailored protection for your dogs and cats.

Accident and Illness Coverage
MetLife’s Accident and Illness plans offer a comprehensive range of coverage options, allowing you to choose deductibles, reimbursement rates, and annual coverage limits that best suit your needs. These plans cover a wide array of medical needs, including emergency care, hereditary conditions, chronic illnesses, and more.

Accident-Only Coverage
MetLife also provides accident-only plans, ideal for pets that may not require full illness coverage. This plan type focuses on offering essential coverage for accidental injuries and emergencies.

Optional Wellness Add-Ons
For proactive health management, MetLife offers optional wellness add-ons. These plans support routine care expenses like vaccinations, routine exams, dental cleanings, and other preventive measures, helping you maintain your pet’s health year-round.

Policy Customization and Flexibility
Understanding the diverse needs of pet owners, MetLife allows for significant customization in its policies. This flexibility ensures that you can create a plan that aligns with both your financial capabilities and your pet’s health requirements.

Waiting Periods and Exclusions
MetLife implements standard waiting periods for coverage to commence. Generally, there is a brief waiting period for accidents and a slightly longer one for illnesses. MetLife’s policies are also upfront about the exclusions, such as preexisting conditions, which are standard in the industry.

MetLife Pet Insurance Cost 💵

Discover the cost implications of MetLife Pet Insurance plans and find the right balance between affordability and comprehensive coverage for your pets.
Average Monthly Premiums:
Understand how your pet’s specifics influence your insurance premiums with MetLife. The monthly costs vary depending on several factors, including your pet’s breed, age, and health conditions. Also, the location and chosen coverage options can significantly affect the overall insurance cost.

Detailed Breakdown:

Pet Type Coverage Type Average Monthly Premium
Dog Accident & Illness $30
Cat Accident & Illness $17

Additional Costs and Fees:

  • Be aware of potential additional costs such as enrollment fees and monthly processing charges, which may vary based on the plan you select.

Customization Options:

  • MetLife offers a range of deductibles, reimbursement rates, and annual coverage limits to suit diverse needs and budgets.

Factors Influencing Cost:

  1. Factors such as your pet’s breed and age, as well as your geographical location, play a crucial role in determining the insurance premium.
  2. Consider how different coverage levels might impact your monthly costs, allowing you to make a well-informed decision.

Discounts and Savings:

  • Explore various discounts offered by MetLife, such as multi-pet discounts and special offers for specific groups, which can help reduce your overall expenses.

Frequently Asked Questions❓🙋

What is MetLife pet insurance?

MetLife Pet Insurance offers comprehensive coverage for pets, primarily dogs and cats. Their plans cover accidents, illnesses, and more, with various customizable options.

What types of coverage does MetLife offer?

MetLife provides accident and illness coverage, along with optional preventive care and wellness plans.

Are there any age restrictions for pets to be insured by MetLife?

No, MetLife does not impose any upper age limits for pets to be insured. They cover pets of all ages.

Can I choose any veterinarian or must it be in-network?

With MetLife, you can visit any licensed veterinarian, specialist, or emergency clinic in the U.S. There’s no network restriction.

Does MetLife cover pre-existing conditions?

Generally, MetLife does not cover pre-existing conditions. However, curable conditions may be considered for coverage if the pet has been symptom-free for a specified period.

Is there a waiting period for MetLife pet insurance?

Yes, MetLife has a waiting period which is typically 14 days for illnesses and immediate for accidents after the policy start date.

Can I customize my deductible and reimbursement rate with MetLife?

Yes, MetLife allows customization of deductibles and reimbursement rates to suit different budgets and needs.

Are there any discounts available with MetLife pet insurance?

MetLife offers various discounts, including multi-pet discounts, military discounts, and others depending on specific criteria.

How does MetLife handle emergency situations?

MetLife covers emergency vet visits, hospitalizations, and treatments under its accident and illness plans.

Can I enroll multiple pets with MetLife, and are there benefits to doing so?

Yes, you can enroll multiple pets with MetLife. There are benefits like the multi-pet discount, making it more cost-effective to insure multiple pets.

What is the process for canceling a MetLife pet insurance policy?

Policy cancellation can be done by contacting MetLife through phone, email, or their online portal.

MetLife Pet Insurance Reviews ⭐

Discover why pet owners & trusted companies recommend MetLife. Read testimonials to explore their experiences with this trusted pet insurance. From Forbes, MarketWatch, Nerdwallet, and so on.


MetLife pet insurance is effective for accident coverage at midnight on the day you buy a policy, compared to an accident waiting period of two to fifteen days. You’ll also have access to a 24/7 vet health line and the option to add a routine wellness plan.

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Those seeking a basic level of accident and illness coverage will appreciate that MetLife’s plan covers various treatments.  MetLife has no lifetime or per-incident limits and makes it relatively easy to customize your deductible and reimbursement rates.

star reviews 4.5


MetLife earned 4.5 stars out of 5 for overall performance. Formerly known as PetFirst, MetLife Pet Insurance offers a solid accident and illness plan that you can customize with various deductibles, reimbursements and coverage amounts.

star reviews 4.5


The company is backed by more than 150 years in the pet insurance industry and offers a single, comprehensive accident-and-illness plan plus short waiting periods, a range of deductible options, and a 100% reimbursement rate.

four star review

Pawlicy Advisor

MetLife is one of the best pet insurance companies, offering great coverage for dogs and cats with no lifetime or per-incident limits on accidents, illnesses, hospitalizations, alternative therapies, medications, and much more.

Pawlicy Advisor
star reviews 4.5


Pet insurance policies from MetLife provide accident and illness coverage for dogs and cats. MetLife pet insurance is available in every state and Washington, D.C. Unlike some insurers, there is no upper age limit for enrollment. 

US News
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