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MetLife Pet Insurance Review 2025: Is It Worth the Cost?
July 1, 2025
When it comes to protecting your furry family members, MetLife Pet Insurance has emerged as a notable player in the pet insurance market. But with so many options available, is MetLife the right choice for you and your pet? This comprehensive review examines MetLife's coverage options, costs, customer experiences, and how it stacks up against competitors.
What Is MetLife Pet Insurance?
MetLife Pet Insurance offers comprehensive accident and illness coverage for dogs, cats, and even exotic pets in select states. Founded by the well-established MetLife insurance company, their pet insurance policies are underwritten by Metropolitan General Insurance Company and Independence American Insurance, with MetLife serving as the administrator.
Key Features at a Glance:
- No age restrictions for enrollment
- Coverage for exotic pets in 19 states
- 24/7 veterinary telehealth services
- Customizable deductibles and reimbursement rates
- Optional wellness care add-on
MetLife Pet Insurance Coverage Options
Accident and Illness Plan
MetLife's primary offering is a comprehensive accident and illness policy that covers:
Accidents and Injuries:
- Emergency care and hospitalizations
- Broken bones and fractures
- Foreign body ingestion
- Animal bites and severe trauma
- Cruciate ligament repairs
Illnesses:
- Cancer treatment
- Chronic conditions like diabetes
- Hereditary and congenital conditions
- Skin allergies and ear infections
- Periodontal disease
Alternative Therapies:
- Acupuncture and chiropractic care
- Hydrotherapy and laser therapy
- CBD oil (when prescribed by a vet)
- Aromatherapy and herbal remedies
Additional Benefits:
- Prescription medications and food
- Diagnostic tests (X-rays, MRIs, blood work)
- Cremation expenses and grief counseling
- Boarding fees (up to $500 if you're hospitalized)
Preventive Care Add-On
MetLife offers two wellness plan options:
Routine 365 Plan:
- $60 for behavioral exams/microchipping
- $75 for vaccinations
- $100 for spaying/neutering or teeth cleaning
- $50 for wellness exams
Routine 575 Plan:
- Higher benefit limits for the same services
- $120 for behavioral exams/microchipping
- $100 for vaccinations
- $150 for spaying/neutering or teeth cleaning
What's Not Covered by MetLife Pet Insurance?
Like most pet insurers, MetLife has exclusions:
- Pre-existing conditions (with some exceptions)
- Elective procedures and cosmetic surgeries
- Breeding-related expenses
- Grooming and routine nail trims
- Microchipping (not covered in base plan)
- Organ transplants
- Experimental treatments
MetLife Pet Insurance Cost
Sample Monthly Premiums
Based on our research, here's what you can expect to pay:
Dogs: $51.84 average monthly premium Cats: $23.17 average monthly premium
These rates are for comprehensive accident and illness coverage. Your actual premium will vary based on:
- Your pet's age, breed, and size
- Your location
- Coverage limits and deductible chosen
-
- Reimbursement percentage selected
Customization Options
Deductibles: $0 to $2,500 annually Reimbursement Rates: 50%, 70%, 80%, or 90% Coverage Limits: $500 to $25,000 annually, or unlimited (for dogs and cats)
Available Discounts
MetLife offers several ways to save:
- Internet Purchase Discount: $1/month for the first year
- Military/Veteran/First Responder Discount: 10% off
- Healthcare Worker Discount: 10% off
- Animal Care Facility Discount: 10% off for staff/owners
- Employer Benefit Discount: 10% off through participating employers
- Healthy Pet Incentive: $50 deductible reduction for claim-free years
Customer Experience and Reviews
Positive Feedback
According to customer reviews across multiple platforms:
Trustpilot Rating: 4.5 out of 5 stars (1,409 reviews)
- Easy claims submission through mobile app
- Quick processing and reimbursement
- Helpful customer service representatives
- Comprehensive coverage for major health issues
Customer Testimonials:
- "Don't know what I would do without MetLife Pet insurance. My dog was in doggie ICU for 3 days and MetLife helping pay the bill was a God send."
- "Filing a claim was easy and quick. Payment was done using Zelle and went straight into my account!"
Areas for Improvement
Some customers have reported:
- Claims processing can take 15-20 days (longer than the advertised 10 days)
- Customer service wait times can be lengthy
- Some claims require multiple submissions
- Premium increases over time
Waiting Periods
- Accidents: No waiting period (coverage starts immediately)
- Illnesses: 14-day waiting period
- Cruciate Ligament Issues: 6-month waiting period (for IAIC underwritten policies)
How to File a Claim
MetLife offers multiple ways to submit claims:
- Mobile App: Upload photos of receipts and medical records
- Online Portal: Submit through the MyPets online portal
- Email: Send to pet_submit_claim@metlife.com
- Fax: 877-281-3348
- Mail: Physical address provided
Required Documents:
- Completed claim form
- Itemized invoice from the veterinarian
- Medical records (complete history for first claim)
MetLife vs. Competitors
Advantages Over Competitors:
- No age restrictions for enrollment
- Coverage for exotic pets
- Immediate accident coverage
- 24/7 vet telehealth included
- Multiple discount opportunities
Potential Disadvantages:
- Higher average premiums than some competitors
- No accident-only plan option
- Limited exotic pet coverage (only 19 states)
- Microchipping is not included in the base plan
Is MetLife Pet Insurance Worth It?
MetLife Pet Insurance may be ideal if you:
- Have a senior pet or breed typically restricted by other insurers
- Own an exotic pet in a covered state
- Want immediate accident coverage
- Value 24/7 veterinary telehealth access
- Qualify for their discount programs
Consider alternatives if you:
- Need the most budget-friendly option
- Want accident-only coverage
- Require unlimited annual coverage limits
- Prefer insurers with faster claims processing
Bottom Line
MetLife Pet Insurance offers solid, comprehensive coverage with the backing of a well-established insurance company. While premiums may be higher than some competitors, the lack of age restrictions, exotic pet coverage, and immediate accident protection makes it attractive for many pet owners.
The 4.5-star Trustpilot rating and positive customer feedback about the claims process suggest most customers are satisfied with their experience. However, be prepared for potentially longer claims processing times than advertised.
Kudos Recommendation: MetLife is worth considering, especially for owners of senior pets, exotic animals, or those who want comprehensive coverage from a trusted insurer. Get quotes from multiple providers to ensure you're getting the best value for your specific situation.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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