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MetLife Pet Insurance Review 2022

Covered Treatment Illness/Injury Plan
Live vet chat 24/7 ✓ (depends on state)
Exam fees
X-rays and diagnostic tests
Bilateral terms
Genetic conditions
Surgery/hospital stays
Rehabilitation/alternative care
Behavioral problems ✓ (in some cases)
Prescription diets/supplements
Non-dental routine
Cruciate ligaments/IVDD

Some coverage details may depend on your state of residence and insurance underwriter (IAIC or MetGen).

Available Riders/Add-Ons

Alongside its accident and illness plan, MetLife offers a Routine Care add-on wellness plan, which covers preventative care like parasite prevention and treatment. You can select an annual coverage amount for routine care treatments when customizing your policy.

Waiting Periods

MetLife advertises some of the shortest wait periods in the industry for accident and illness coverage. The accident coverage and wellness coverage begin on the effective date of the policy. Illness coverage begins 14 days after the effective date of the policy.

For policies issued by IAIC, treatment coverage for the following conditions is subject to a six-month wait period:

  • Cruciate ligament issues
  • Cranial cruciate ligament (CCL) issues
  • Posterior cruciate ligament (PCL) issues
  • Intervertebral disc disease (IVDD)

Cancellation Policy

Unfortunately, MetLife is not very upfront about its cancellation policy. If you want to cancel your plan, you can contact customer support via email, online chat, or phone to get the process started.

Plan Exclusions

The following areas of coverage are not included in MetLife’s pet insurance policy.

  • Pre-existing conditions
  • elective procedures
  • Expression or removal of anal glands or anal sacculitis
  • Breeding or conditions related to breeding
  • Vitamins, mineral supplements
  • Grooming costs and bathing/medicated baths
  • Illness or injury caused by racing, coursing, commercial guarding, or organized fighting
  • organ transplants

Pre-Existing Conditions

Pre-existing conditions are defined by MetLife as any conditions, illnesses, injuries, or symptoms that manifested prior to the coverage date or before the waiting period ends.

According to customer support, issues like ear infections and allergies may be covered if the pet hasn’t shown symptoms for six months. But it’s up to the claims department, and there’s no guarantee.

Pricing plan

MetLife’s annual deductibles range from $50 to $2,500, and reimbursement levels range from 70% to 100%. Annual coverage limits start at $500 and go up to unlimited, with no lifetime cap on benefits. You can customize all those details when you select your policy.

When it comes to monthly premium costs, your pet’s age and breed will affect the price, as well as your location and some other factors. The level of annual coverage you choose will also impact how much you pay for your premium. You can check your options by getting a custom quote online.

MetLife also offers these discounts:

  • Employer benefit discount
  • Affinity group discount
  • internet purchase discount
  • Military, veteran, and first responder discount
  • Healthcare workers discount
  • Animal care discount

If you make no claims in a policy year, MetLife will automatically decrease your deductible by $25 or $50, depending on your underwriter. Eligibility for other discounts may depend on the underwriter, as well.


MetLife requires you to submit any pet insurance claims and supporting documentation within 90 days of the treatment or invoice date. You can submit your claim and veterinary records via the online portal, mobile app, email, fax, or mail. When you submit a claim you will need to provide a completed and signed claim form, veterinary medical record, and an itemized invoice from the incident.

You will receive your reimbursement by check or direct deposit if your claim is approved.

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

Customer Service

If you require customer support for your MetLife pet insurance policy, you can connect with them via email, online chat, and phone. You can send an email to, or call (855) 270-7387 during the following days and hours.

  • Monday to Friday: 8 a.m. to 9 p.m. EST
  • Saturday to Sunday: 10 a.m. to 7 p.m. EST

Third-Party Ratings

MetLife’s pet insurance products are 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 an A-, which indicates the company is financially stable and likely to pay out for insurance claims. MetGen is rated highly as well, with a Financial Strength rating of A+ and a Long-Term Issuer Credit Rating of A+.

In our pet insurance customer survey, one MetLife customer said they would renew their plan with MetLife because “I enjoy my experience with the company.” On the whole, customers rated the company highly regarding claim filing and customer support.

Alternative Choices

Finding the best pet insurance policy for you—one that meets your budget that offers the coverage you need—can take a decent amount of research. Spend some time trying to find answers to the following questions for each plan you’re considering before you make a decision.

  • Which treatments are covered and which are not?
  • Is there a standalone wellness plan or a wellness rider option?
  • What are the coverage limits?
  • How much does the monthly premium cost?
  • What is the deductible?
  • What are the reimbursement percentages and limits?
  • Are there minimum and maximum cutoff ages?


MetLife ASPCA embrace
Annual Deductible Options $50 to $2,500 $100, $250, $500 $200, $300, $500, $750, $1,000
Reimbursement Percentage 70%–100% 70%, 80%, 90% 70%, 80%, 90%
Average Claim Turnaround Time 10 days 14–28 days 10–15 days
Illness Waiting Period 14 days 14 days 14 days
Injury Waiting Period No waiting period 14 days 2 days
Exam Coverage And it is And it is And it is
Dental Illness Coverage And it is And it is And it is
Max Enrollment Age Limit None None 14 years

final verdict

Those seeking a basic level of accident and illness coverage will appreciate that MetLife’s plan covers a wide variety of treatments, without much need for riders and add-ons (although you can pay extra for preventative coverage). MetLife has no lifetime or per-incident limits, and makes it relatively easy to customize your deductible and reimbursement rates.

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Our Methodology: How We Review Pet Insurance Carriers

Investopedia is dedicated to providing consumers with unbiased, comprehensive reviews of pet insurance companies. We rated 25 providers and collected over 2,000 data points, including information about plan options, company features, and fees and limits, to ensure that our reviews help users make informed decisions for their pet insurance needs.

Our full pet insurance methodology, including our data collection process and weighted data points, is available for review.

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