MetLife Pet Insurance Information & Review: Everything You Need To Know
General Information
One of the largest global insurance providers, MetLife (Metropolitan Life Insurance Company) works to drive positive change in the market, communities, and the workplace - and now offers a great pet insurance plan after acquiring PetFirst in 2021.
MetLife has contributed nearly $1 billion to build stronger communities through it’s MetLife Foundation. The MetLife team has been listed under Best Adoption-Friendly Workplaces, Best Place to Work for Disability Inclusion, Best Places to Work for LGBT Equality, Mogul's Top 100 Innovators in Diversity & Inclusion, the 1st U.S. Insurer to Achieve Carbon Neutrality, and more.
MetLife was founded in the 1800’s, adopting the name Metropolitan Life Insurance Company in 1868. In 2021, nearly 200 years later, the company acquired PetFirst Pet Insurance (PetFirst Healthcare, LLC) and now offers pet health insurance plans as MetLife Pet Insurance Solutions LLC. Policies are underwritten by Independence American Insurance Company and Metropolitan General Insurance Company.
What kinds of pets are eligible for MetLife Pet Insurance?
The MetLife insurance company offers comprehensive health insurance coverage for all pet parents. Insurance plans include dog insurance, cat insurance, puppy insurance, kitten insurance, and senior pet insurance to cover unexpected veterinary bills.
What insurance plans are available through MetLife Pet Insurance?
MetLife offers a standard plan and a high-deductible plan. The standard plan has an annual benefit ranging from $2000 to $10000, a deductible ranging from $50 to $500, and reimbursement rates ranging from 70% to 90%. Alternatively, the high-deductible plan offers a $10,000 annual benefit, a $2,500 deductible, and a 100% reimbursement rate. You can also include Preventive Care as an additional add-on.
Key Takeaways
How Much Does It Cost?
Pet insurance prices for MetLife Pet Insurance vary based on your pet's breed, age, gender, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare MetLife to other leading pet insurance brands for free.
Pet insurance prices for MetLife Pet Insurance vary based on your pet's breed, age, gender, and the zip code you live in. Use Pawlicy Advisor to lock in the best price, and compare MetLife to other leading pet insurance brands for free.
The cost of MetLife pet insurance varies based on your pet’s age, breed, location, and the reimbursement options of the policy you select.
MetLife offers programs for every budget. Insurance plans range between $16 to $115+ per month for dogs and cats, depending on the plan, species, and add-ons.
Use Pawlicy Advisor to lock in the best price, and compare MetLife to other leading pet insurance brands for free.
What makes MetLife pet insurance worth it?
In the United States, a pet receives emergency medical care every 2.5 seconds. Sadly, veterinarian bills can be very expensive. MetLife reimburses 70%, 80%, 90% or even 100% of the medical cost for vet care (after your deductible is met). Where many pet insurance companies shy away, MetLife provides insurance plans for senior pets, dogs, and cats of all breeds and pets at risk for hereditary conditions, which might make it worth it for you.
Additionally, there are no lifetime or per-incident limits for pets. You can customize your reimbursement and monthly deductibles rates according to your budget and pet needs.
How does the price compare to other plans?
MetLife total monthly premium is moderately priced when compared to other pet insurance companies.
You can use Pawlicy Advisor to find and compare a range of MetLife coverage options with context on why they’d be recommended for you.
Important Information to Know About MetLife Pet Insurance
What to know before investing in MetLife pet insurance
- Dogs and cats must be at least 8-week old
- The price of the insurance premium increases as your pet ages.
- The deductible will decrease each year that you do not submit a claim.
- You will be fully reimbursed if you change your mind within 14 days as long as you do not file a claim.
Have an existing MetLife policy? Write a review to help other pet owners.
When should you consider insurance for your pet?
The sooner the better, as earlier consideration will also help prevent future exclusions due to pre-existing conditions. In other words, you should consider pet insurance before injuries, diseases, or illnesses arise to ensure that any future veterinary bills will be covered by your chosen plan.
Ideally, you should consider pet insurance within the first six months of adopting your pet - regardless of whether you adopt from a shelter, rescue, or breeder.
Customer Service
If you have questions about a claim or you need help with your existing policy, MetLife’s team of friendly customer care representatives are available to help you. You can write a letter, reach out on social media, email or call.
Discount Opportunities
What's Covered
MetLife pet insurance provides great dog insurance and cat health insurance coverage with no lifetime or per-incident limits on accidents, hospitalizations, alternative therapies, medications and much more.
After a 12-month wait period, your pet also enjoys coverage for cruciate ligaments and Intervertebral Disc Disease.
List of treatment and conditions covered by MetLife Pet Insurance plans
*Veterinarians use Pawlicy Advisor to streamline the pet insurance conversation. There’s simply too many variables for any one person to truly understand what’s covered and what’s cost-effective across the hundreds of policy variations that exist.
What's Not Covered
MetLife does not cover pre-existing conditions (no insurance provider does), elective procedures, breeding or conditions related to breeding, expression or removal of anal glands or anal sacculittis, pet food, vitamins or mineral supplements, grooming or bathing, nor parasite prevention or parasite treatment.
As mentioned above, MetLife does not cover pre-existing conditions or certain preventive care unless included as an addon service.
For a full list of exclusions, please see .
Claims Reimbursement
What information do you need to submit your claim?
- Completed and duly signed claim form
- Itemized invoice from the incident
- SOAP (Veterinary Medical Records) noted from the incident
How long might it take for your claim to be reimbursed?
TO DO
How do I submit a claim?
To submit your claim, the following information is needed:
You may download the claim form from MetLife's website (https://www.metlifepetinsurance.com/content/dam/metlifecom/us/metlifepetinsurance/pdf/Claim-Processing-Slipsheet.pdf) or request a claim form be mailed to you. MetLife's Claims Department may be reached at Pet_Submit_Claim@metlife.com. You must provide all itemized invoices and applicable veterinary notes from your veterinary provider along with your completed claim form before MetLife will reimburse you. Submit your claim via mobile app, MetLife's online portal, email, fax, or mail. Save the originals should MetLife require them from you. A loss is payable within thirty (30) days after MetLife receives all necessary documentation. Only claims submitted within 90 days of your pet's veterinary visit will be eligible for reimbursement.
Cancellation Information
You can cancel your policy at any time. However, you must send it in writing or by filling a cancel form. Call PetFirst on 866.937.7387 and select option 4 to cancel your pet insurance plan.
You may cancel this policy at any time by notifying MetLife in writing. Coverage will not be provided as of the effective date of the cancellation shown on the notice of cancellation. If you cancel the policy more than 30 days after the policy Effective Date, MetLife will compute any refund on a daily pro-rata basis.
MetLife may choose to cancel or not renew your policy, in which case MetLife will notify you in writing at least 30 days prior to the date the policy will end. After your policy is in effect for more than 60 days, or if this is a renewal of a prior policy, MetLife may only cancel for one or more of the following reasons: 1. You fail to pay your premium by the due date; 2. The policy was obtained through fraud, misrepresentation or concealment in your application; 3. MetLife has agreed to issue a new policy with the same or an affiliated company; or 4. You fail to comply with the policy terms and conditions in a manner that prejudices or negatively affects MetLife's ability to properly assess or evaluate the claim or other material rights MetLife has under the policy. Any cancellation initiated by MetLife will be effective for all coverage and all pets.
Pre-existing conditions
Pre-existing conditions are not covered by MetLife Pet Insurance. However, they don’t exclude you from being eligible for pet insurance. Pets with pre-existing conditions should still be covered in case other injuries or illnesses arise.
The specific language used to describe what is considered a pre-existing condition is specified per-policy. Below is MetLife Pet Insurance's latest definition of a "pre-existing condition":
Pre-existing condition means, with respect to a covered Pet’s Illness or Injury, that prior to the date that continuous coverage begins or, for an illness that begins during an applicable waiting period under this policy or a prior policy issued during the period of continuous coverage: a Veterinarian provided medical advice; the pet received a diagnosis, care or treatment; or the pet displayed signs or symptoms consistent with the stated Illness or Injury.
Compare MetLife Pet Insurance To Other Top Providers
If you'd like to see how MetLife Pet Insurance stacks up against other top providers, we've made it easy. Take a look at the links below:
MetLife Pet Insurance Solutions LLC is the policy administrator authorized by Independence American Insurance Company ("IAIC") and Metropolitan General Insurance Company ("MetGen") to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.