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MetLife Pet Insurance Review

In a nutshell: MetLife offers insurance plans for pets of all ages, including seniors. The company is known for having one of the shortest waiting periods for accident and illness coverage, and most claims are processed within 10 days! You can customize your deductible and reimbursement rates to fit your pet's needs and budget.

MetLife Pet Insurance Review

Overview

MetLife offers pet insurance plans for cats and dogs of all ages, including seniors. MetLife Pet Insurance was named "Pet Insurance of the Year" in the 2022 Pet Independent Innovation Awards. The company is known for having one of the shortest waiting periods for accident and illness coverage, and most claims are processed within ten days!

Every customer can customize their deductible and reimbursement rates to fit their pet's needs and budget. MetLife Pet Insurance is the only provider that offers family plans, which means you can cover multiple pets on one policy.

You can also use any licensed vet in the U.S., giving you the freedom to choose the best care for your furry friends. Plus, there's no initial exam or previous vet records required to enroll. And, with competitive rates and discounts, you can rest assured that you're getting the best value for your money.

As an added bonus, MetLife also offers 24/7 telehealth concierge chat so that you can get answers to your pet's health questions anytime, anywhere. So with MetLife pet insurance, you can spend more time loving your pets and less time worrying about unanticipated vet bills.

Policies

MetLife offers comprehensive pet insurance plans that can help you save money on unexpected vet bills. With MetLife, you can customize your coverage to fit your pet's unique needs and your budget. Just take your dog or cat to any licensed vet in the United States, pay the bill, and then send off your claim along with vet records and invoice from the visit. MetLife will take care of the rest. Most claims are processed in less than two weeks, and you can rest easy knowing that your pet is receiving the best care possible.

MetLife plans cover a wide range of conditions and treatments, including accidents, illnesses, surgeries, and much more. You can even opt for additional preventive care coverage at an affordable cost, which covers parasite prevention and treatment, special diets, and other preventive measures.

MetLife also offers innovative policy benefits that set them apart from other pet insurance providers. For example, they are the only provider to offer family plans, which cover multiple pets on one policy. With customizable plans, an easy enrollment process, and hassle-free claims, you can enjoy peace of mind knowing that your furry family members are covered.

Limitations

While MetLife Pet Insurance offers comprehensive coverage for a wide range of accidents and illnesses, it's important to note that there are certain limitations and exclusions to the coverage.

Elective procedures, such as cosmetic surgeries or procedures deemed unnecessary by a veterinarian, are not covered by MetLife Pet Insurance. Additionally, the expression or removal of anal glands or anal sacculitis, which are considered routine procedures, are not covered.

Breeding or any conditions related to breeding are also excluded from coverage. Vitamins, mineral supplements, grooming costs, and any injury or illness that arises from racing, coursing, commercial guarding or organized fighting of your pet are not covered by MetLife Pet Insurance.

Organ transplants are not covered, and pre-existing conditions may not be covered. Pre-existing conditions include any conditions, illnesses, injuries, or symptoms that existed prior to the coverage date or during any applicable waiting period. It's important to review the policy for complete details regarding pre-existing conditions.

Cost

MetLife Pet Insurance offers three different types of insurance options for your pet: the Most Balanced, Most Popular, and High Deductible Option.

Listed below are three possible cost options for a large male dog aged one year:

The Most Balanced Plan has a monthly premium of $28.23, an annual benefit of $2,000, a deductible of $250, and a reimbursement rate of 80%. This plan is a good choice if you want an affordable option that still provides decent coverage for your pet.

The Most Popular Plan has a monthly premium of $36.22, an annual benefit of $5,000, a deductible of $250, and a reimbursement rate of 80%. This plan is the most popular option and offers a higher annual benefit for a slightly higher monthly premium.

The High Deductible Option has a monthly premium of $21.46, an annual benefit of $10,000, a higher deductible of $2,500, and a reimbursement rate of 80%. This plan is a good choice if you want to pay a lower monthly premium but have a higher deductible in case of a major emergency.

All three plans do not include preventive care coverage. The cost of pet insurance depends on a variety of factors, including the species, breed, sex, and age of your pet. Where you live also helps determine what you pay and the type of coverage you need.

Customer Support

MetLife Pet Insurance is dedicated to providing excellent customer care. Whether you have a question about your policy or need assistance with filing a claim, the knowledgeable customer service team is available to help you every step of the way.

You can reach the customer care team by phone, fax, mail, and email. And the call center is open Monday through Friday from 8 am to 9 pm EST and Saturday through Sunday from 10 am to 7 pm EST.

MetLife also has a comprehensive FAQ section on the official website. This section is available 24/7 for anyone to access at any time. Here, you can find answers to many common questions about pet insurance, including coverage options, claims procedures, and more.

Pros

The only provider to offer family plans
24/7 telehealth concierge app
Use any licensed vet in the U.S.

Cons

Limited to the states
Pre-existing conditions not covered

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Lemonade

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Fee Structure Variety

8.0

Their plans include multiple deductible and reimbursement choices

Payout Speed

8.0

Pays out claims within 5-7 business days

Integration Capabilities

8.0

Good integration capabilities, support electronic claims submissions

Security measures

9.0

Strong security protocols, including encryption and multi-factor authentication, regular security audits

Customer support

8.0

Customer support is available during standard business hours with multiple contact methods such as phone and email

Most Commonly Asked Questions About Cat Insurance Plans

Before getting started with a cat insurance plan make sure to familiarize yourself with how cat insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about cat insurance to help make sure your cat is fully covered and protected.

Who is Cat Insurance For?

Pet insurance can benefit anyone with a cat. Whether you're bringing home a new kitten or adopting a mature cat from a pet rescue, making sure you have the best cat insurance for your new pet can end up saving you more money than you realize.

If you've had a cat for years but have never had cat insurance, some of the best cat insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having cat insurance is a good idea no matter the age of your pet. Owners with older cats can especially benefit because, as cats age, their bodies need more care and attention, just like people. The best cat health insurance plan for owners with an older cat should specialize in care for senior cats.

Those who have just gotten a kitten can benefit from cat insurance as well. Kittens need to go to the vet to get many different vaccinations. Therefore, the best cat insurance plan for the owner of a kitten should cover preventative care.

Is Cat Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having cat insurance provides you with the security of knowing that, in an emergency, you can choose the best medical option for your pet without spending a fortune.

You don't have to make any decisions about your pet's well-being based on your finances. If you already take your cat to the vet on a routine basis, the best cat pet insurance plan for you should cover routine visits and vaccinations.

Finding the best cat health insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on cat insurance for more than one animal.

Can Cat Insurance Save You Money?

Cat insurance can save you money, especially if you select the best cat insurance for your pet and your financial situation. When it comes to emergency care, having cat insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your cat experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many cat breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000. If you have the best cat health insurance for your pet, coverage would cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible.

If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, cat insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Cat Health Problems?

Cats have many common health problems that may require you to take your pet to the vet. Having cat insurance gives you the peace of mind of knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among cats. Cats suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan.

The best cat insurance plans offer 80-90% reimbursement, so having a cat insurance plan when your pet needs extensive testing could turn out as a financial lifesaver. Cats often need treatment for skin conditions, ear and eye problems, and growths. If your cat needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When cats need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000.

The best cat insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

What is the Best Pet Health Insurance Plan for Cats?

Cat owners should consider a variety of factors to determine the best cat insurance. The best cat health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

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