MetLife was founded over 150 years ago to help families navigate life’s twists and turns with financial protection. But then in 2020 we realized something: who rounds out a family better than our pets? And thus- MetLife Pet Insurance was born.Backed by a group of pet lovers determined to treat your pets as if they were our own, MetLife Pet Insurance strives to help you make sure your furry family members are protected. Our comprehensive pet insurance policies for dogs and cats help you cover the cost of injuries, illnesses, pet meds, holistic care, emergencies and more- allowing pet owners to help give their pets the best care possible. We also offer a unique family plan,1 which allows pet parents to cover up to three pets on one policy, and even offer a 0-day waiting period on accidents and optional Preventive Care benefits.2 That means no matter what your pets are getting into, they can be protected by midnight on the very same day you enroll in a policy. This commitment to helping provide pet parents with the best pet insurance possible, may be part of why MetLife Pet Insurance has won the “Pet Insurance of the Year” award 4 years in a row. 3But that’s not all. Here at MetLife Pet, our passion for animals extends beyond the home. That’s why in addition to offering cost-effective pet insurance for dogs and cats, we also work with hundreds of animal shelters across the country to help our furry friends find their forever homes. Because at MetLife Pet, our pets are more than just animals. They’re family. 1 Coverage options may be limited for certain ages. 2 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.3 “2022, 2023, 2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation AwardsPet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois). ©2025 MetLife Services and Solutions, LLC. All Rights Reserved. L4805429[exp0927][All States and][No Territories]
Written by the business, not verified by us.MetLife Pet Insurance (metlifepetinsurance.com) has a 4.7 out of 5 rating on OK.one, based on 294 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 93% rating it 4 stars or higher; The business has replied to 87% of negative reviews; Reviews mostly discuss User experience, Customer service. Last updated 2026-08-12.
Reviewers overwhelmingly had a great experience with this company. Customers frequently share that the platform is very user-friendly, making the submission of claims completely seamless. Consumers note that reimbursements are issued rapidly, which brings immense relief during stressful veterinary visits. Many people also appreciate that support representatives are remarkably helpful, polite, and professional when contacted. However, some people mentioned frustrations regarding unexpected claim denials related to specific coverage rules. Some reviewers experienced difficulties when trying to appeal partial payments or obtain clear explanations from staff. A few consumers expressed dissatisfaction with how certain preexisting conditions and routine care costs are handled.
Auto-generated from all reviews of this business. For reference only.Hello, Chau! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
I've had MetLife Pet Insurance with a previous pet (Milo) who passed away on June 12, 2026. I'm grateful that I had MetLife Pet Insurance.
Hello, Barbara. We are deeply sorry about your recent loss. Our thoughts are with you during this difficult time. Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, Diego! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
great customer service and convenient app to submit the claims.
Hello, Lisa! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, Kylene! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Easy to compare and choose plans. Plan costs are reasonable.
Hello, Kim! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Vary easy friendly customer service phone call and internet
Hello, Jose! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
They treat acute infections as chronic pre-existing illnesses. If you look carefully at their definition of a pre existing condition, they specifically note that they treat curable diseases as non covered pre existing conditions if any recurrence can be linked to a prior incident. Be aware that they use this definition very liberally to avoid paying out claims. In my case, I have a cat who I adopted about 18 months ago. It was noted in the adoption paperwork that she had previously been treated for a UTI. She has had multiple wellness checks since then where she had been given a clean bill of health with no signs of infection. Then, just last week, almost 18 months since the last documented UTI, she had a new acute UTI infection. MetLife has denied the claim and has stood firm on their denial even with involvement from BBB and NJ DOBI. MetLife is taking the stance that since she has had a UTI in the past, it can never be covered by them. They are making the assumption on their own with no evidence that the recent acute infection is the same infection that she had so long ago. They act as if there’s nothing that can be done to counter their opinion. If you look closely, their definition even includes vomiting. So, if there’s any documentation that your pet has ever vomited before you open your policy, any vomiting for the remainder of the pet’s life would be considered a pre existing condition and they will deny coverage, it seems.
Hello, Russ. We are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further. Please email us directly, with your contact information, at [email protected] and a team member will reach out to you directly. Thank you.
Very easy to make a choice of plan
Hello, Lebron! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, John! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
It took me less than 10 minutes to set everything up!
Hello, Evelyn! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, Amy! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Excellent coverage and easy to enroll on line.
Hello, Rodora! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, Donald! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Hello, Sandra! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
They could've made the preventative care A LOT cheaper. Overall, wasn't bad just no 24/7 support and the cost of preventative care. I like that you can adjust your policy so basically 30 dollars a month a pay 100 co-pay and they cover 90% for my Yorkie-Chon. Peace of mind for your fur baby=priceless
Hello, we are sorry to hear of your frustrations regarding your experience with MetLife Pet Insurance. We would like to speak with you further. Please email us directly, with your contact information, at [email protected] and a team member will reach out to you directly. Thank you.
Hello, Elizabeth! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
After initial set up the claim process is very simple and almost automated which is nice!
Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
When I started Coverage on my dog it was barely any waiting period. I have had them for years however when I needed to file a claim for my pet, they were amazing and fast to receive my refund. I have Routine and emergency which I love and would never change now that she is a senior
Hello, Kristine! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
Very easy and straightforward process. Rates are reasonable as well
Hello, Spowell! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.
294 reviews matching
Spot Pet Insurance
Pumpkin Pet Insurance
Trupanion
Fetch Pet Insurance
Pets Best Pet Health Insurance
Embrace Pet Insurance
ASPCA Pet Health Insurance
Prudent Pet Insurance