MetLife Pet Insurance Review: Entering A New Industry But Has Experience Too

This content was reviewed by our licensed insurance agent, Michelle Schenker.

To keep the lights on, we receive affiliate commissions via some of our links. Our review process.

Injured Shih Tzu front leg wrapped by red bandage and splint after surgery in vet hospital with sunset light (Caption: MetLife Pet Insurance Review)

PetFirst was founded in 2004 and bought by MetLife in December 2019. MetLife is one of the few pet insurance companies to offer a 100% reimbursement option. It also has a short waiting period for accidents (only one day after enrollment). But do these factors make it the best pet insurance for your dog or cat?

MetLife Overall Rating

2.0/5.0

Our pet insurance experts read through each pet insurance companies’ policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with the pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Pros & Cons Comparison Table

ProsCons
Optional wellness plan (must purchase in conjunction with pet insurance)Doesn’t cover treatment, services, or supplies provided outside the U.S.
80% of claims are processed within 10 daysExcludes working pets (e.g., law enforcement, racing, etc.)
Diminishing deductible

Alternatives To MetLife

2 yellow dogs in grass (caption: Pet Insurance Reviews)

Don’t like the score you’re seeing? Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies.

Key Features

  • Underwriter: Independence American Insurance Company (IAIC)
    • A.M. Best rating (a measure of financial stability): A-
  • Bilateral conditions (a condition or disease that affects both sides of the body) may be covered in some cases
  • Claims process:
    • Submit claims via email, app, mail, MyPets account, or fax
    • 80% of claims are processed within 10 days
    • Reimbursement is available via direct deposit, check, or Zelle
  • Healthy pet incentive: Deductible decreases by $50 each policy year you don’t receive a claim reimbursement (may not be available in all U.S. states)
  • Automatic policy limit increase: if your policy limit is $5,000 or more and you have an unused amount of $1,000 or more at the end of the policy period, then MetLife will increase your policy limit by $500 at no extra cost to you when you renew
  • Offers coverage for advertising and reward if your pet is lost (due to theft or straying), grief counseling when your pet passes away, and more

Customer Service Options & Hours

MetLife Pet Insurance Waiting Period Chart
  • Phone
    • Monday-Friday: 8am-9pm EST
      Saturday & Sunday: 10am-7pm EST
  • Email
  • Live chat

Waiting Periods

  • Illnesses: 14 days
  • Accidents: 1 day
  • Cruciate Ligament: 6 months
  • Hip Dysplasia: 1 day
  • Wellness: 1 day

What Does MetLife Cover?

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please review your policy carefully.

ConditionCovered By MetLife
Behavioral TherapiesOrange X (No or Not)
Alternative/Holistic TherapiesBrown checkmark (Yes)
Cremation/BurialBrown checkmark (Yes)
Exam FeesBrown checkmark (Yes)
Wellness CareExtra Fee

Routine Care

MetLife offers a routine care package as an add-on to your pet insurance policy, but doesn’t share specific details about what’s offered in this wellness plan.

Pricing Quotes

From the options below, MetLife lets you choose your deductible, annual payout, and reimbursement amount. What you select will help determine your monthly cost.

Deductible OptionsPayout OptionsReimbursement Options
$50
$100
$250
$500
$2,500
$2,000
$5,000
$10,000
65%
70%
80%
90%
100%

Pricing is based on your pet’s details. Visit MetLife’s website for a quote specific to your pet. Then use our pet insurance quote form to see how it compares against other providers.

Discounts

MetLife offers a 10% discount for vets, shelter personnel, etc. It also offers discounts for those serving in the military, veterans, first responders, and healthcare workers.

How Does The Claim & Reimbursement Process Work?

MetLife uses a “deductible then copay” reimbursement method. This is calculated in the following way:

  • Actual vet bill amount – Remaining annual deductible – Copay = Reimbursement amount

What’s Our Final Verdict?

MetLife isn’t our top pick for pet insurance but why? Other companies can offer lower prices, more comprehensive coverage, and have longer, more stable reputations in the pet insurance industry. We rate the best pet insurance companies based on coverage, customer service and reputation, claim processing, price, plan customizations, and more. Find out who we chose as our top picks in our pet insurance reviews.

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Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

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