About
MetLife acquired PetFirst and launched, MetLife Pet, in 2020. Customers appreciate their customer support and service.
Coverage Offered by MetLife
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|---|---|
Price: |
Get a Free Quote |
Overall Rating: |
|
Total Reviews: |
15,979 |
Deductible: |
$50, $100, $250, or $500 |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
$2,000, $5,000, or $10,000 |
Accident Waiting Period: |
0 days |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
0 days |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Yes |
Direct Vet Pay: |
No |
Claims Expiration: |
Within 90 days of the treatment |
Claims Submission App: |
Yes |
MetLife Accident and Illness Coverage
MetLife offers accident and illness coverage that can be configured to fit your needs. In addition to its base plan, this provider offers two levels of an optional preventative care add-on.
Deductible Options
$50, $100, $250, or $500
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, or $10,000
What's Covered
Accidents and Injuries
Alternative and Holistic Therapy
Cancer Coverage
Congenital Conditions
Diagnostics
Emergency Care and Hospitalization
Hereditary Conditions
Illnesses
Prescription Pet Food
Prescription Medications
Supplements
Surgery
Tooth Extractions
Microchip Implantation
Orthopedic Illnesses
Veterinary Treatment
Optional Preventative Care Add-On
MetLife two offers two levels of preventative care add-on to the accident and illness plan: Preventive 375 and Preventive 575.
Preventive 375
The total preventative care benefit for this level of coverage is $375. Here's what's covered.
Veterinarian Exam ($50)
Prevention: Includes prescription flea/tick control, heartworm preventative medication and vaccinations: DFLP, Parvo/Corona, Bordetella, Lyme, Canine Influenza, FVRCP, Leukemia, FIP. ($75)
Spay/Neuter OR Teeth Cleaning ($100)
Health Screens: Includes blood panel, heartworm test, fecal test, urinalysis and FeLV / FIV tests. ($65)
Microchip, Health Certificate, OR Behavior Training ($60)
Deworming ($15)
Preventive 575
The total preventative care benefit for this level of coverage is $575. Here's what's covered.
Veterinarian Exam ($75)
Prevention: Includes prescription flea/tick control, heartworm preventative medication and vaccinations: DFLP, Parvo/Corona, Bordetella, Lyme, Canine Influenza, FVRCP, Leukemia, FIP. ($100)
Spay/Neuter OR Teeth Cleaning ($150)
Health Screens: Includes blood panel, heartworm test, fecal test, urinalysis and FeLV / FIV tests. ($100)
Microchip, Health Certificate, OR Behavior Training ($120)
Deworming ($30)
Policy Exclusions
MetLife Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-Existing Conditions
Unlicensed Veterinarians
Services or Treatment Outside the United States
Complications or Progression
Preventable or Intentional Incidents, Neglect, and Deliberate Endangerment
Working Pets
Other Pets & Other Pet Parents
Anything Not Medically Necessary
Requirements of Policy Holders
There are no minimum or maximum enrollment age limits.
MetLife doesn’t require vet records when you first enroll your pet in a policy, but you will need the past 12 months of vet records when you submit your first claim.
If you’ve adopted your pet, MetLife will need their adoption records and any relevant vet records.
Claims
You can use MetLife’s app or website to submit your claims directly. Alternatively, you can fax, mail, or email your claim form with invoice(s) within 90 days of treatment.
Offers direct deposit, Zelle, and PayPal as a reimbursement option
Convenient claims submission using the MetLife Pet app
Claims are processed within 10 days on average
Customer Support
Hours
Monday - Friday: 8 am - 9 pm ET Saturday - Sunday: 10 am - 7 pm ET
Contact Information
Phone: 1-855-270-7387 Email: [email protected]
How to Cancel MetLife Pet Insurance
To cancel a MetLife Pet Insurance policy, you can submit a cancelation form via email or call their customer service team.
Does MetLife Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a refund of the premium when you cancel during the first 30 days of your policy.
Compare
Compare MetLife Against Other Pet Insurance Companies
We're working to bring you a comprehensive list of MetLife compared to other providers. Please check back again. In the meantime, start a quote for a better idea of what pet insurance coverage works best for you.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our MetLife Pet Insurance Review
Overall, MetLife Pet Insurance provides comprehensive coverage for dogs and cats, offering customizable plans to meet the unique needs of pet owners. Their plans cover accidents, illnesses, and optional wellness care. The accident waiting period is 0 days, which is faster than most accident waiting periods. The illness waiting period of 14 days is average.
