MetLife Insurance Review

Purchasing a pet insurance policy is a big decision and you want to make sure you are selecting a trustworthy provider who will actually be there to support you and your pet the next time a vet visit is required. If you’ve found yourself browsing policies, unsure about who to select, then you may be interested in exploring the impressive, comprehensive offerings from MetLife - one of the nation’s largest and most reputable insurance providers. In operation for well over 100+ years, MetLife has ample experience in the insurance industry and has used their knowledge and expertise to craft inclusive policies that take into consideration the needs of you and your pets. Ideal for anyone hoping to seek out high-quality care for their furry family members, but who don’t want to drain their bank account in the process, these well-rounded policies come packed with big benefits and big savings so you can enjoy peace of mind no matter what comes your way. 

Open to both dogs and cats with no breed or age restrictions in place, the insurance policies from MetLife stand out for how thorough they are and they lead the way when it comes to innovative perks. Currently, MetLife is the only provider who offers convenient family plans that put all of your pets onto a single policy, and they have also shortened the waiting period for illnesses and eliminated it for accidents. Requiring no initial vet visit or history of exam visits to enroll, and with plans starting at only $9/month for cats and $15/month for dogs, MetLife truly delivers affordable and extensive coverage so you can help your pet live a long and happy life. 

When comparing pet insurance policies the first thing you want to look at is what’s included in your plan, as the type of coverage offered will be a big determining factor on whether or not a certain provider is the right choice for you. Long exclusion lists can make your policy pointless, so you want to ensure you are getting expansive coverage that will actually be there to support you the next time your fur baby is sick or injured. Thankfully, MetLife understands the importance of providing well-rounded policies and through their accident and illness plan you will be able to enjoy reimbursement for eligible claims relating to:

MetLife does also offer a Preventative Care package that you can add on to your standard policy and can help to expand your coverage so that it includes some more routine services. While it will cost a bit extra each month, the added coverage will allow you to seek reimbursement for things such as:

As for exclusions, MetLife doesn’t have many beyond the standard ones seen across virtually all pet insurance providers and for the most part the only things not covered by the accident and illness policy would include:

MetLife may only offer a single accident and illness policy but that doesn’t mean it isn’t customizable, and those seeking a plan they can personalize will be happy with the variety of choices available to you at the time of enrollment. Giving you the freedom to set your own deductible, annual limit, and reimbursement percentage, MetLife makes it easy to ensure your new plan is tailored to you and that you get the coverage you want, at a price you are satisfied with. You also have the option to select from 3 pre-made policies that range in price and coverage amounts, including access to a budget-friendly, high-deductible plan that includes 100% reimbursement for all eligible claims. 

As for what choices are available to you, MetLife’s customizable benefits currently include:

When it comes time to finally use your MetLife pet insurance policy you will have the benefit of enjoying a straightforward and streamlined experience that includes a simple claims process and fast reimbursement. Everything begins with your initial visit to your preferred clinic, and since MetLife doesn’t have any restrictive in-house networks, you are able to make an appointment with any licensed vet within the USA. Not only are there no restrictions on which licensed vet you are able to book with, but MetLife also doesn’t require prior approval from them before you go, so you can simply get your pet the help they need right away without any added stress. 

For all eligible claims, MetLife will reimburse you up to your annual limit (minus your deductible and copay percentage) and you can use their convenient app or online portal to upload, monitor, and respond to your claims. From start to finish the entire claims process takes around 10 days total, and all you need to submit is a copy of your paid invoice along with a digital claims form. Approved reimbursements will then be sent directly to your bank account, or can be mailed to you as a check if that's what you prefer. 

One of the most notable perks to choosing MetLife over other insurance providers is that not only do they have a seamless claims process, but they have reduced the average wait period so that it is now among the shortest within the entire industry. Whenever someone enrolls in a new policy there is generally a 2 to 15 day wait before they can make a claim for an accident, as well as 14 to 30 day wait for illnesses. With MetLife, however, accident wait periods have been completely eliminated and you can now be eligible for reimbursement the same day you enroll. Likewise, for illnesses, your pet will now have full coverage in only 14 days from when you sign-up, so you can get the most out of your plan early on and not have to worry about looming out-of-pocket expenses.

MetLife has chosen to keep their policies as affordable as possible with cat insurance starting at only $9/month and dog insurance starting at only $15/month. Perfect for savvy shoppers who aren’t looking to take on high monthly premiums, the policies from MetLife can easily be tailored so that they fit in with both your needs and your budget. With that said, how much you personally end up spending every month will depend on a number of factors, and the best way to know for sure what the price will be is to visit the MetLife website to receive a 100% free quote. 

For multi-pet households, MetLife’s unique family plan can create some added savings by allowing you to put up to 3 pets on a single plan. Significantly less expensive than having to enroll each cat or dog individually, the family plan is an effortless way of managing your insurance and keeping the price affordable. Beyond the family plan, owners do have other ways to score potential savings, and MetLife may offer extra discounts to:

The best way to know for sure how much your policy would cost, and what discounts you may be eligible for, is to visit the MetLife website directly where you can receive a 100% free quote instantly. With no commitment required, the free quote is a fast and easy way to learn more about what’s offered and can help you decide if MetLife is the right provider for you. 

For pet owners needing an easier and more affordable way to manage their vet bills, MetLife is a reputable provider that has created comprehensive plan options fully designed to meet your needs. Through their customizable coverage, you will be able to create the right policy for your family and be able to take advantage of high-quality care whenever it is required. From accidents to illnesses, and even with routine care, you will always have the support of a trusted and knowledgeable team who will be there through every stage of your pet’s life. If you’re looking for dependable coverage with industry-leading benefits and flexible solutions then MetLife is your one-stop-shop where you can create security and true peace of mind through affordable pet insurance policies that work. Get started today with a 100% free quote and discover why so many pet owners turn to MetLife to help them provide compassionate care to the furry family members that matter most.