MetLife Pet Insurance: A Comprehensive Review
MetLife pet insurance offers a comprehensive accident and illness pet insurance plan with optional wellness coverage. It’s one of the few pet insurance companies that offer coverage for exotic pets.In this article, we will review MetLife pet insurance, comparing it to other top pet insurance providers and examining its pros and cons.
MetLife Pet Insurance Pros and Cons
Pros:
- Offers coverage for exotic pets in 20 states
- Below-average premiums for dog coverage
- Uncommon benefits like lost pet coverage, prescription food, and end-of-life services
- Comprehensive wellness package includes spay and neutering
- No waiting period for accident coverage
- Discounts for not filing claims
Cons:
- High premiums for cat coverage
- Poor customer reviews
- Slow claims process
- Limited annual coverage options
- Cost for preventive care packages varies with coverage level
- Does not cover preexisting conditions
Coverage Details
MetLife pet insurance offers several different pet insurance plans for dogs or cats, which are customizable based on your needs and budget. The company is one of the few providers offering family plans, which let you cover all the pets in a single home under a single policy.
Reimbursement and Deductible Options
- Reimbursement: 70%, 80%, 90%
- Annual benefit: $2,000, $5,000, $10,000
- Deductible: $50, $100, $250, $500
Cost of MetLife Pet Insurance
The cost of pet insurance varies depending on the type of animal, age, breed, coverage limits, and deductible. We acquired quotes for a MetLife dog insurance plan and a MetLife cat insurance plan in New York City, one of the most expensive places to receive vet care.
Dog Insurance Quotes
- French Bulldog (2-year-old): $66.94/month, (6-year-old): $100.99/month
- Labrador Retriever (2-year-old): $53.74/month, (6-year-old): $74.44/month
Cat Insurance Quotes
- Ragdoll (2-year-old): $42.30/month, (6-year-old): $47.04/month
- Maine Coon (2-year-old): $42.30/month, (6-year-old): $47.04/month
Customer Reviews and Ratings
MetLife has overwhelmingly negative reviews, receiving an average of 1.7 stars on Trustpilot. Customers consistently complained about the frustrating claims process and the company’s handling of preexisting conditions.
Alternatives to MetLife Pet Insurance
We compared MetLife to other top pet insurance providers, including Figo, Spot, and Healthy Paws. While MetLife offers comprehensive coverage, its slow claims process and high premiums for cat coverage may make other options more appealing to some pet owners.
Conclusion
MetLife pet insurance offers comprehensive coverage for dogs, cats, and exotic pets, but its slow claims process and mixed customer reviews may be a drawback for some pet owners. By understanding the pros and cons of MetLife pet insurance, you can make an informed decision about whether it’s right for your pet.
FAQs
Does MetLife pet insurance cover preexisting conditions?
No, MetLife pet insurance does not cover preexisting conditions.
Does MetLife pet insurance have a waiting period?
Yes, MetLife pet insurance has a 14-day waiting period for illness, but no waiting period for accidents.
Does MetLife pet insurance offer a multi-pet discount?
Yes, MetLife pet insurance offers a 5% discount for enrolling multiple pets, but pet owners can only enroll up to three pets.
