Orlando Harmon
MetLife Pet Insurance offers a range of benefits, including coverage for dogs, cats, and select exotic pets, with no upper age limits or breed restrictions. The company provides a user-friendly website and app for customers to manage their policies, submit and track claims, and access various resources. MetLife's pet insurance plans are priced based on species, breed, age, location, and coverage amount, with an average cost of $63 per month for dogs and $7 per month for cats. The company offers a comprehensive accident and illness policy, covering vet exam fees, hospitalizations, surgeries, and prescription medications. However, some customers have reported delays in reimbursement and limitations in coverage for senior pets. Overall, MetLife Pet Insurance can be a good option for pet owners seeking solid coverage and flexibility, but it is important to carefully review the policy details and compare them with other providers before making a decision.
| Characteristics | Values |
|---|---|
| Reimbursement | 50% to 90% |
| Annual deductible | Customizable |
| Annual coverage limit | Customizable |
| Waiting period | Relatively short |
| Accident-only plan | Available |
| Exotic pets | Covered |
| Pre-existing conditions | Covered if no clinical signs for 6 months |
| Premiums | $7-$63 per month |
| Wellness coverage | Available |
| Vet exam fees | Covered |
| Cremation expenses | Covered |
| Customer service | Good |
| App | Available on App Store and Google Play |
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What You'll Learn
MetLife's pet insurance costs
For dogs, MetLife's pet insurance plans start at $16 a month, with an average of $63 per month. For cats, the plans start at $7 a month. These prices can vary based on the breed and age of the pet, as well as the location and coverage amount needed.
MetLife offers a comprehensive accident and illness policy, as well as an accident-only plan for budget-minded pet owners. They also provide a preventative care plan for routine vet expenses, which covers expenses such as behaviour training if it is recommended by a vet for aggression or anxiety issues.
The deductibles range from $0 to $2,500 per year, and the reimbursement options are between 50% and 90%, depending on the chosen policy. MetLife also offers a wellness plan, which is an optional add-on that helps cover the costs of routine care, such as vaccines, annual exams, and flea, tick, and heartworm treatments.
While the cost of MetLife's pet insurance may be higher than some other providers, it offers advantages such as no age restrictions, a 24/7 vet chat service, and coverage for a wide range of pets, including exotic species. It is important to consider your unique needs and compare MetLife's costs and benefits with other insurance providers to determine if it is worth it for your specific situation.
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What is covered by MetLife's pet insurance
MetLife's pet insurance offers one comprehensive and customisable accident-and-illness plan for dogs, cats, and select exotic pets. The company's monthly premiums are more expensive compared to many other providers.
MetLife's accident-and-illness plan for dogs and cats allows you to customise your annual deductible, reimbursement percentage (50%, 70%, 80%, or 90% depending on your pet's age), and annual coverage limit. You can decrease your reimbursement rate at any time, but you can only increase it during policy renewal.
MetLife's pet insurance may be worth considering if you own an older pet or a breed that is typically restricted, as the company has no breed restrictions or upper age limits. It may also be a good option if you own an exotic species, as not many insurers cover exotic pets, but MetLife welcomes reptiles, rabbits, ferrets, and birds.
The company offers a wellness plan, which is an optional add-on that helps cover the costs of routine care, such as vaccines, annual exams, and flea/tick treatments. MetLife's pet insurance can also cover unexpected injuries and accidents, such as falling down stairs or breaking bones, and unexpected illnesses, such as cancer, dysplasia, and heartworm.
MetLife's pet insurance typically reimburses you for covered expenses within 5 days, and you can receive direct payments or paper cheques. The company also offers a lightning-fast claims process and easy payouts via quick-pay methods or cheques.
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How to claim on MetLife's pet insurance
MetLife Pet Insurance offers an accident-and-illness standard plan and an optional preventative care plan. It has no breed restrictions or upper-age limits, and you can add up to three pets to a single policy.
To make a claim, you must submit your claim and veterinary records within 90 days of treatment. You can do this via the portal, mobile app, email, fax, mail, or through the website. You will need to include your itemized invoice, any necessary medical records, and the completed claim form. Make sure your policy number and pet's name appear on these documents.
If this is your first claim with MetLife, you will need to provide the last 12 months of veterinary records (or adoption records, if applicable). You can also set up automatic payment from your bank account or credit card.
MetLife Pet Insurance takes 10-15 business days to process a claim. After your first approved claim, you will receive a link to select your preferred reimbursement method. Future claims will then be issued via your selected method once processed.
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MetLife's pet insurance customer service
The process of submitting a claim with MetLife is described as straightforward and simple, with the option to do so online or through the MetLife app. Customers have reported that reimbursements are quick and easy, with most claims paying out within five business days.
The cost of MetLife's pet insurance varies depending on the species, breed, age, gender, deductible, reimbursement rate, and coverage amount selected. The company offers a range of reimbursement options, from 50% to 90%, and allows customers to customize their annual deductible and annual coverage limit.
MetLife's pet insurance covers dogs, cats, and select exotic pets, including reptiles, rabbits, ferrets, and birds. The company has no breed restrictions or upper age limits, making it a good option for owners with senior pets or typically restricted breeds.
In addition to accident and illness coverage, MetLife offers a wellness plan add-on, which helps cover the costs of routine care such as vaccines, annual exams, and flea and tick treatments.
Overall, MetLife's pet insurance customer service is described as prompt, professional, and fast, with positive reviews highlighting the ease of submitting claims and the speed of reimbursements.
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MetLife's pet insurance reviews
MetLife's pet insurance is a well-established insurer that offers solid coverage for pets. It has no breed restrictions or upper age limits, making it ideal for owners with senior pets or typically restricted breeds. MetLife also covers exotic pets, including reptiles, rabbits, ferrets, and birds, which sets it apart from many other insurers.
The company offers a comprehensive accident and illness policy, covering vet exam fees, hospitalizations, surgeries, emergency care, diagnostic tests, prescription medications, and food. It also covers cruciate repairs and hereditary, congenital, and chronic conditions. Additionally, MetLife's standard plan includes coverage for alternative therapies, such as chiropractic care, hydrotherapy, acupuncture, herbal remedies, and CBD oil (if prescribed).
MetLife's deductibles range from $0 to $2,500 per year, with reimbursement options of 50% to 90%, depending on the policy. The company's sample monthly premiums are more expensive compared to many providers, with an average of $63 per month for dogs and $7 per month for cats. However, prices vary based on breed, age, location, and coverage needs.
Reviews for MetLife's pet insurance are generally positive. Many customers praise the ease of submitting claims and the quick reimbursement process. Some highlight the coverage for multiple pets under one plan and the lack of issues when claiming for various treatments and medications. However, some negative reviews mention the lengthy claim processing time, with reimbursements taking a long time to receive.
Overall, MetLife's pet insurance can be worth considering, especially for owners with senior pets, restricted breeds, or exotic pets. It offers solid coverage, including alternative therapies, and has flexible reimbursement options. While it may be more expensive than some competitors, the ability to customize your policy to fit your needs and the positive reviews from customers make it a competitive choice in the pet insurance market.
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Frequently asked questions
Yes, MetLife Pet Insurance can reimburse you for up to 80% of an emergency vet visit if it’s covered under the terms of the policy.
MetLife Pet Insurance offers a comprehensive accident and illness policy, which covers vet exam fees, hospitalizations, surgeries, emergency care, diagnostic tests, prescription medications, food, cruciate repairs, and hereditary, congenital, and chronic conditions. It also offers a 24/7 vet chat service, more potential discounts than most other pet insurers, and relatively short waiting periods before coverage starts.
MetLife Pet Insurance's monthly premiums are more expensive in comparison to many providers. Additionally, there is a 14-day waiting period for illness coverage after purchasing the policy.
MetLife offers pet insurance for dogs, cats, and select exotic pets, including reptiles, rabbits, ferrets, and birds.
MetLife's pet insurance plans start at $7 a month for cats and $16 a month for dogs. Prices vary based on the breed and age of the pet, as well as where you live and how much coverage you need.
