MetLife Review

MetLife Review

Visitor Rating5 Votes
Our Rating

What Stands Out About MetLife Pet Insurance

✅ Up to 100% of expenses can be covered

✅ Claims can be submitted in many ways

✅ Shortest wait periods for accident and illness coverage

✅ Visit any veterinarian in the US

✅ Bonus for going claim-free in a year

Plan Options

  • Wellness and Preventative is an add-on
  • Adjustable annual maximum
  • Adjustable annual deductible
  • Adjustable reimbursement percentage (Up to 100%)
  • Discounts for multiple pet, military and Internet customers

What’s Covered on MetLife

  • Accidents
  • Medications
  • Illnesses
  • Hereditary, congenital, and chronic conditions
  • Emergency care
  • Surgeries
  • Optional preventative care
  • Diagnostic test
  • Exam fees
  • Prescribed foods/diet
  • Cruciate ligaments ACL & MCL
  • X-rays, ultrasounds

What’s Not Covered on MetLife (Exclusions)

  • Elective procedures
  • Grooming
  • Baths including medicated baths
  • Organ transplants
  • Elective procedures
  • Breeding expenses
  • Conditions from racing, coursing, commercial guarding

Claims Process

  • Forms can be downloaded online
  • Filing requires form, vet records & itemized invoice
  • Claims can be submitted via MyPets app & mobile app
  • Claims can also be submitted via email, fax and mail

Options on MetLife for 3 year old Golden Retriever

Our Rating
Our Conclusion

MetLife is a plan for pet families. Creating a multi-pet policy is quite easy on their website. Along with that, the options for annual max, reimbursement percentage and deductible are very adjustable. For example, deductible options run from 0$ to $2,500 annually. The annual maximum limit ranges from $1,000 to $25,000.

The basic plan covers the usuals: accident, illness, most medications and tests. The one thing we did find peculiar was that when a wellness plan was added, the monthly rate greatly increased compared to the monthly rate without it. This is atypical to most pet health plans as those add-ons are a small added cost. Overall, MetLife is one of the most affordable and comprehensive plans available.

Ease of Use
Visitor Rating5 Votes
Easy to add multiple pets
Very short waiting period
Claims processed within 10 days
Wellness add-on is expensive
Organ transplants not covered
Medicated baths not covered
Our Rating