MetLife Pet Insurance Review 2022


Covered TreatmentIllness/Injury Plan 
Live vet chat 24/7✓ (will depend on state)
Exam fees ✓ 
X-rays and diagnostic tests ✓ 
Bilateral conditions ✓ 
Genetic conditions ✓ 
Surgery/hospital stays ✓ 
Rehabilitation/alternative care ✓ 
Prescription medication ✓ 
Behavioral problems ✓ (in some cases)
Prescription diets/supplements ✓ 
Non-routine dental ✓ 
Cruciate ligaments/IVDD ✓ 

Some coverage details may depend upon your state of residence and insurance underwriter (IAIC or MetGen).

Available Riders/Add-Ons

Alongside its accident and illness plan, MetLife offers a Routine Care add-on wellness plan, which covers preventative care like parasite prevention and treatment. You’ll be able to select an annual coverage amount for routine care treatments when customizing your policy. 

Waiting Periods

MetLife advertises a few of the shortest wait periods within the industry for accident and illness coverage. The accident coverage and wellness coverage begin on the effective date of the policy. Illness coverage begins 14 days after the effective date of the policy. 

For policies issued by IAIC, treatment coverage for the next conditions is subject to a six-month wait period:

  • Cruciate ligament issues
  • Cranial cruciate ligament (CCL) issues
  • Posterior cruciate ligament (PCL) issues
  • Intervertebral disc disease (IVDD)

Cancellation Policy 

Unfortunately, MetLife isn’t very upfront about its cancellation policy. If you wish to cancel your plan, you may contact customer support via email, online chat, or phone to get the method began. 

Plan Exclusions

The next areas of coverage should not included in MetLife’s pet insurance policy.

  • Pre-existing conditions
  • Elective procedures
  • Expression or removal of anal glands or anal sacculitis
  • Breeding or conditions related to breeding
  • Vitamins, mineral supplements
  • Grooming costs and bathing/medicated baths
  • Illness or injury brought on by racing, coursing, business guarding, or organized fighting 
  • Organ transplants

Pre-Existing Conditions

Pre-existing conditions are defined by MetLife as any conditions, illnesses, injuries, or symptoms that manifested prior to the coverage date or before the waiting period ends.

In response to customer support, issues like ear infections and allergies could also be covered if the pet hasn’t shown symptoms for six months. But it surely’s as much as the claims department, and there isn’t any guarantee.

Plan Pricing

MetLife’s annual deductibles range from $50 to $2,500, and reimbursement levels range from 70% to 100%. Annual coverage limits start at $500 and go as much as unlimited, with no lifetime cap on advantages. You’ll be able to customize all those details if you select your policy. 

Relating to monthly premium costs, your pet’s age and breed will affect the value, in addition to your location and another aspects. The extent of annual coverage you select can even impact how much you pay in your premium. You’ll be able to check your options by getting a custom quote online. 

MetLife also offers these discounts:

  • Employer profit discount
  • Affinity group discount
  • Web purchase discount
  • Military, veteran, and first responder discount
  • Healthcare employees discount
  • Animal care discount

For those who make no claims in a policy 12 months, MetLife will mechanically decrease your deductible by $25 or $50, depending in your underwriter. Eligibility for other discounts may depend upon the underwriter, as well.


MetLife requires you to submit any pet insurance claims and supporting documentation inside 90 days of the treatment or invoice date. You’ll be able to submit your claim and veterinary records via the web portal, mobile app, email, fax, or mail. While you submit a claim you have to to supply a accomplished and signed claim form, veterinary medical record, and an itemized invoice from the incident.

You’ll receive your reimbursement by check or direct deposit in case your claim is approved. 

MetLife processes about 80% of claims inside 10 days or less. 

Customer Service

For those who require customer support in your MetLife pet insurance policy, you may connect with them via email, online chat, and phone. You’ll be able to send an email to, or call (855) 270-7387 throughout the following days and hours.  

  • Monday to Friday: 8 a.m. to 9 p.m. EST
  • Saturday to Sunday: 10 a.m. to 7 p.m. EST

Third-Party Rankings

MetLife’s pet insurance products are underwritten by two different firms, depending on where the client lives—Independence American Insurance Company and Metropolitan General Insurance Company. IAIC has an AM Best Financial Strength rating of an A-, which indicates the corporate is financially stable and more likely to pay out for insurance claims. MetGen is rated highly as well, with a Financial Strength rating of A+ and a Long-Term Issuer Credit Rating of A+.

In our pet insurance customer survey, one MetLife customer said they’d renew their plan with MetLife because “I enjoy my experience with the corporate.” On the entire, customers rated the corporate highly regarding claim filing and customer support.

Alternative Decisions

Finding the very best pet insurance policy for you—one which meets your budget that provides the coverage you would like—can take a good amount of research. Spend a while trying to search out answers to the next questions for every plan you’re considering before you decide.

  • Which treatments are covered and which should not?
  • Is there a standalone wellness plan or a wellness rider option?
  • What are the coverage limits?
  • How much does the monthly premium cost?
  • What’s the deductible?
  • What are the reimbursement percentages and limits?
  • Are there minimum and maximum cutoff ages?


 MetLifeASPCA Embrace 
Annual Deductible Options$50 to $2,500$100, $250, $500$200, $300, $500, $750, $1,000
Reimbursement Percentage 70%–100% 70%, 80%, 90% 70%, 80%, 90% 
Average Claim Turnaround Time10 days 14–28 days 10–15 days 
Illness Waiting Period 14 days 14 days 14 days 
Injury Waiting Period No waiting period 14 days 2 days 
Exam Coverage Yes Yes Yes 
Dental Illness Coverage Yes Yes Yes 
Max Enrollment Age Limit None None 14 years 

Final Verdict

Those in search of a basic level of accident and illness coverage will appreciate that MetLife’s plan covers a wide selection of treatments, without much need for riders and add-ons (although you may pay extra for preventative coverage). MetLife has no lifetime or per-incident limits, and makes it relatively easy to customize your deductible and reimbursement rates.

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Our Methodology: How We Review Pet Insurance Carriers

Investopedia is devoted to providing consumers with unbiased, comprehensive reviews of pet insurance firms. We rated 25 providers and picked up over 2,000 data points, including details about plan options, company features, and charges and limits, to make sure that our reviews help users make informed decisions for his or her pet insurance needs.

Our full pet insurance methodology, including our data collection process and weighted data points, is on the market for review.


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