Is MetLife a good dog insurance?
MetLife Pet Insurance has some of the shortest waiting periods for its policies, including next-day coverage for injuries as well as hip dysplasia. This makes it a great option for pet breeds prone to this genetic condition, such as Labrador Retrievers, German Shepherds, and English Bulldogs.
How does our pet insurance reimbursem*nt work? We'll process your covered claim — usually within 10 days — and send your payment via multiple direct deposit options or a paper check in the mail, at your request.
| Company | Monthly Cost | Accident Waiting Period |
|---|---|---|
| MetLife Pet Insurance EXPLORE PLANS | $25-$40 | 2 days |
| Our Top Pick Lemonade EXPLORE PLANS | $15-$30 | 2 days |
| Spot Pet Insurance EXPLORE PLANS | $34-$75 | 14 days |
| Embrace EXPLORE PLANS | $39-$73 | 2 days |
MetLife doesn't offer an accident-only plan or the option to have the company pay your vet directly. Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
MetLife is a reputable insurance company that has an A+ (Superior) rating from AM Best, one of the nation's leading insurance-rating organizations, as well as solid scores from S&P and Moody's. The good scores are a reflection of MetLife's financial strength and claims-paying ability.
MetLife Pet Insurance1 can help take the worry out of covering the cost of unexpected pet care. Pet Insurance can help reimburse you for covered vet visits, accidents, illness and more. Plus, it can help keep your pet safe and healthy with preventive care like X-rays and ultrasounds.
The cost of MetLife Pet insurance depends on several factors, including the species, breed, gender,9 and age of your pet, as well as where you live. The good news? MetLife Pet Insurance policies can start at $9 per month for cats and $15 per month for dogs.
Typically, accident coverage also includes the cost of related covered services — like surgery, hospitalization, and emergency care. If your pet gets into trouble, you won't have to stress as much about the veterinary bills. Here are some accidents and injuries MetLife Pet may cover: Vehicular trauma.
Take your pet to the vet and pay the bill, then send your claim to us. You can file by using our mobile app, online portal, email, fax or mail, and we'll process your claim within 10 days. Then, you'll receive reimbursem*nt5 by check or direct deposit if the claim expense is covered under the policy.
MetLife Pet Insurance provides among the shortest wait periods for accident and illness coverage. Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.
How long do MetLife Pet claims take?
Submit your claim via mobile app, our online portal, email, fax or mail. Make a copy of your paperwork to keep on file. That's it! Remember to submit your claim within 90 days of your pet's vet visit, and you'll receive reimbursem*nt by check or direct deposit — most claims are processed within 10 days.
No initial exam or previous vet records to apply. Competitive rates and discounts: Offers a wide range of discounts4, healthy pet incentive5, and is the only provider offering family plans.
Yes, you can cancel MetLife Pet Insurance at any time and are eligible for a full refund If you cancel within 14 days (as long as you haven't submitted a claim yet). Call the MetLife Pet Insurance phone number at 866-937-7387 and select option 4 to speak with a representative and cancel your insurance policy.
- Over-dependence on US.
- Lacking in global recognition as compared to competitors.
The insurer was sued in 2021 by plaintiffs alleging the company breached its fiduciary duties to participants by stocking the now $7.9 billion plan with its own line of index funds.
Exceptional Service From set-up to enrollment and ongoing service through claims, our dedicated service teams are with you and your clients every step of the way. Competitive compensation Make the most out of working with MetLife.
MetLife Pet Insurance was named winner of the “Pet Insurance of the Year” Award in the 2023 Pet Independent Innovation Awards Program, in part due to our multipet policy that allows up to three pets on a single policy with a shareable deductible. There are no upper age limits or breed exclusions on our policies.
MetLife Pet Can Help With Routine and Unexpected Costs
Our preventative care plan add-on enhances our standard plan with coverage for your pet's routine care. In addition to spay and neuter procedures, some of the things we can typically cover under this optional plan include: Teeth cleaning. Vaccinations.
So, once you've covered your deductible for a condition, your pet insurance will typically reimburse a percentage of any additional cost. That percentage depends on the policy you sign up for. In most cases, you'll be able to choose 70%, 80% or 90% reimbursem*nt coverage.
We found that, on average, pet insurance costs $66 a month for dogs and $32 a month for cats. However, pet insurance premiums typically range from $15 to $90 a month. Pet insurance is an affordable alternative to paying vet bills out of pocket and can offer financial protection against high-cost emergency vet visits.
Does all pet insurance go up every year?
It's true that you can generally expect your pet's insurance coverage cost to increase each year, along with their ever-increasing age. However, this doesn't mean that there aren't things you could—and sometimes should—consider changing about that coverage as time goes on.
Your pet insurance premium is based on a long list of factors, some of which can change from year to year. If your pet insurance premium has increased, one of these factors may be in play. Age: As your pet gets older, they're more likely to have an expensive-to-cover illness or age-related injury.
MetLife's prescription food coverage
MetLife covers prescription pet food from a veterinary provider under its standard accident and illness plan in most states.
Pet Insurance Might Cover the Cost of an MRI
We understand that hearing “your dog needs an MRI” can be extremely stressful. The good news is that MetLife's Pet Insurance has policies that could cover diagnostic scans for your pet.
At MetLife1, our dog insurance plans may offer end-of-life care benefits like euthanasia, cremation, and burial benefits that could help offset the costs of your companion's death.
