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.