The listings featured on this site are from companies from which this site receives compensation. This influences where, how and in what order such listings appear on this site.

Adv Disclosure

We aim to provide valuable content and useful comparison features to our visitors through our free online resource. It's important to note that we receive advertising compensation from companies featured on our site, which influences the positioning and order in which brands (and/or their products) are displayed, as well as the assigned score. Please be aware that the inclusion of company listings on this page doesn't imply endorsement. We don't feature all providers available in the market. Any information presented on this page, including pricing, is subject to change without notice. We want to emphasize that we disclaim all representations and warranties concerning the accuracy of the information provided on this site, unless otherwise explicitly stated in our Terms of Use

All Pets Dog Cat Wellness Reviews Articles

Very Good

Check Rates

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

Our Top 3 Picks

Spot

Lemonade

Embrace

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 Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog 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 dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog 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 dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right 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 dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet 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 dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog 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.

Coverage could 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, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs 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 dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog 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 dogs 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. A number of pet 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.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog 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.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

Very Good

Check Rates

Don't Sell My Personal Information

About Us

Advertisement Disclosure

This website was created with the aim of helping online users make informed choices. It offers a wide range of information about different products and services. The specific details provided, such as prices and exclusive offers, are directly sourced from our partners and are subject to change without prior notice. Although our content is thoroughly researched, it is essential to understand that the information provided does not constitute legal or professional advice or predictions, and should not be treated as such. Our fundamental principle is to assist consumers in making well-informed decisions online.

Insurance services are offered through Better Impression, Inc.
Licenses

Founded to help consumers make educated online decisions, www.toppetinsuranceplans.com