MetLife Pet Insurance Review


MetLife Pet Insurance Review: Key Takeaways
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Cat insurance from MetLife starts at $36 monthly (10th cheapest nationally), while dog coverage starts at $57 (sixth most affordable).

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Customer experience ratings place MetLife eighth nationally in MoneyGeek's analysis. Major review platforms show limited pet insurance-specific feedback.

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MetLife provides accident and illness policies with optional preventive care add-ons. Coverage quality ranks seventh nationwide.

MetLife Pet Insurance Ratings

MetLife's pet insurance scores 2.4 out of 5 for cats and 3.05 for dogs in MoneyGeek's analysis. Coverage options stand out, while customer experience ranks eighth among competitors. Accident coverage includes a standard 14-day waiting period.

Data filtered by:
Cat
Affordability2.6410
Coverage2.977
Customer Experience1.668
Overall Score2.412
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WHO IS METLIFE PET INSURANCE BEST FOR?

MetLife works well for pet owners wanting zero-deductible plans or immediate accident coverage. You can stack multiple discounts to lower your premium. Pre-existing conditions get coverage only when switching providers through your employer.

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MetLife Pet Insurance Ratings by State

MetLife provides pet insurance nationwide, ranking ninth for dogs in one state and 10th in 48 states. Cat coverage ranks 12th in 36 states. Dog insurance ranks stronger for affordability, placing second in two states and third in three states.

Data filtered by:
Affordability
Cat
Alabama2.7410
Alaska2.6110
Arizona39
Arkansas2.5110
California2.7910
Colorado2.9310
Connecticut2.5610
Delaware2.1412
Florida2.7411
Georgia2.6910
Hawaii2.4312
Idaho2.729
Illinois2.0411
Indiana2.7710
Iowa2.810
Kansas2.1611
Kentucky2.7710
Louisiana2.6511
Maine3.110
Maryland2.778
Massachusetts2.5311
Michigan2.649
Minnesota2.6111
Mississippi2.5210
Missouri2.8710
Montana2.5510
Nebraska2.510
Nevada2.3110
New Hampshire2.3911
New Jersey2.639
New Mexico2.7710
New York2.839
North Carolina2.6510
North Dakota2.210
Ohio2.4913
Oklahoma2.899
Oregon3.0510
Pennsylvania3.0211
Rhode Island2.4711
South Carolina2.0710
South Dakota2.8310
Tennessee2.4810
Texas2.8211
Utah39
Vermont2.411
Virginia2.413
Washington2.5210
West Virginia2.710
Wisconsin2.410
Wyoming2.3710

MetLife Pet Insurance Comparison

MetLife compares to national competitors across coverage, affordability and customer service:

• Dogs: 3.05 vs. 4.30
• Cats: 2.40 vs. 3.85

AKC scores higher across all categories with stronger coverage and customer service.

ASPCA

• Dogs: 3.05 vs. 3.85
• Cats: 2.40 vs. 3.35

ASPCA offers better affordability and customer service. MetLife lags in coverage and overall performance.

Embrace

• Dogs: 3.05 vs. 2.55
• Cats: 2.40 vs. 2.30

MetLife edges out Embrace in affordability. Embrace scores lower in most categories.

Fetch

• Dogs: 3.05 vs. 2.70
• Cats: 2.40 vs. 2.95

Fetch leads in coverage and customer service. MetLife is more affordable.

Figo

• Dogs: 3.05 vs. 3.60
• Cats: 2.40 vs. 3.80

Figo scores higher in coverage and customer service. MetLife has a slight affordability edge.

Hartville

• Dogs: 3.05 vs. 3.50
• Cats: 2.40 vs. 3.90

Hartville scores higher in overall performance and customer service.

Lemonade

• Dogs: 3.05 vs. 4.50
• Cats: 2.40 vs. 4.25

Lemonade offers lower costs and better service across most comparison categories.

Liberty

• Dogs: 3.05 vs. 2.65
• Cats: 2.40 vs. 2.30

MetLife narrowly edges out Liberty. Both rank low compared to other competitors.

Nationwide

• Dogs: 3.05 vs. 2.50
• Cats: 2.40 vs. 2.65

Nationwide offers stronger customer service but weaker affordability. MetLife wins slightly on overall score.

Pets Best

• Dogs: 3.05 vs. 4.05
• Cats: 2.40 vs. 3.80

Pets Best scores higher in coverage and customer service.

• Dogs: 3.05 vs. 3.70
• Cats: 2.40 vs. 4.15

Pumpkin scores higher on affordability and service. MetLife competes more closely on dog coverage.

Rainwalk

• Dogs: 3.05 vs. 4.05
• Cats: 2.40 vs. 3.95

Rainwalk scores higher in customer service and coverage.

Spot

• Dogs: 3.05 vs. 3.75
• Cats: 2.40 vs. 4.15

Spot scores higher in service and cat affordability. MetLife offers a slight dog affordability advantage.

How Much Does MetLife Pet Insurance Cost?

MetLife charges $57 monthly ($684 annually) for dogs and $36 monthly ($437 annually) for cats. Your pet's breed, age and location affect the final cost.

Dog$57$60$684$7235%
Cat$36$32$437$37915%

MetLife Pet Insurance Rates by State

MetLife's rates vary by state based on veterinary costs and claim patterns. Cat premiums start at $25 monthly in Arkansas and reach $48 in Massachusetts. Dog coverage ranges from $39 in Arkansas to $75 in Massachusetts.

Data filtered by:
Cat
Alabama$27$324
Alaska$35$423
Arizona$40$484
Arkansas$25$297
California$46$549
Colorado$44$536
Connecticut$42$502
Delaware$39$470
Florida$39$474
Georgia$33$394
Hawaii$39$476
Idaho$34$413
Illinois$45$538
Indiana$32$386
Iowa$31$373
Kansas$35$418
Kentucky$29$355
Louisiana$30$357
Maine$43$519
Maryland$40$477
Massachusetts$48$579
Michigan$36$429
Minnesota$38$453
Mississippi$32$382
Missouri$28$337
Montana$31$370
Nebraska$31$378
Nevada$37$444
New Hampshire$44$535
New Jersey$40$482
New Mexico$32$388
New York$38$454
North Carolina$34$407
North Dakota$29$347
Ohio$36$435
Oklahoma$29$345
Oregon$44$526
Pennsylvania$37$447
Rhode Island$33$398
South Carolina$37$453
South Dakota$32$385
Tennessee$33$393
Texas$36$434
Utah$34$410
Vermont$35$423
Virginia$44$528
Washington$42$511
West Virginia$31$378
Wisconsin$41$489
Wyoming$35$418

MetLife Pet Insurance Rates by Breed

MetLife adjusts premiums based on your pet's breed and health profile. Cat owners pay around $33 monthly for British Longhairs but $43 for Maine Coons. Dog premiums range from $24 for small mixed breeds under 20 pounds to $114 for Bullmastiffs.

Data filtered by:
Select
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Abyssinian$43$514
Affenpinscher$51$610
Afghan Hound$57$687
Airedale Terrier$62$739
Akita$59$706
Alaskan Husky$52$626
Alaskan Malamute$60$715
Alsatian$66$789
Alsation$60$721
American Bulldog$81$971
American Bully$76$909
American Eskimo$44$523
American Foxhound$47$555
American Hairless Terrier$42$497
American Staffordshire Terrier$64$762
Australian Cattle Dog$46$545
Australian Kelpie$48$572
Australian Mist$43$515
Australian Shepherd$40$480
Australian Silky Terrier$41$488
Australian Terrier$43$514
Balinese$40$478
Basenji$42$499
Basset Fauve de Bretagne$53$637
Basset Hound$65$784
Beagle$51$608
Bearded Collie$47$557
Belgian Shepherd Malinois$54$645
Bengal$38$456
Bernese Mountain Dog$110$1,320
Bichon Frise$46$555
Birman$38$453
Bloodhound$75$897
Bombay$33$401
Border Collie$44$524
Border Terrier$43$517
Borzoi$66$788
Boston Terrier$49$580
Boxer$83$995
Bracco Italiano$52$620
Briard$57$684
British Bulldog$92$1,101
British Longhair$33$394
British Shorthair$39$469
Brussels Griffon$45$534
Bullmastiff$112$1,340
Bull Mastiff$114$1,369
Bull Terrier$65$779
Burmese$38$462
Cairn Terrier$48$574
Cane Corso$98$1,179
Caucasian Shepherd Dog$75$902
Cavachon$41$488
Cavalier King Charles Spaniel$50$600
Cavapoo$38$463
Central Asian Shepherd Dog$67$806
Chihuahua$32$385
Chinchilla$37$442
Chow Chow$59$702
Clumber Spaniel$57$678
Cockapoo$38$456
Cocker spaniel$55$659
Collie$54$649
Corgi$56$674
Cornish Rex$40$486
Coton De Tulear$40$483
Dachshund$43$510
Dalmatian$66$786
Devon Rex$37$441
Dingo$41$492
Doberman Pincher$75$899
Doberman Pinscher$108$1,298
Dogue de Bordeaux$113$1,353
Domestic Shorthair$33$395
English Bulldog$94$1,132
English Foxhound$45$543
English Mastiff$104$1,250
English Pointer$57$687
English Setter$52$626
English Springer Spaniel$54$640
English Toy Terrier$45$540
Estrela Mountain Dog$64$765
Exotic Shorthair$43$513
Field Spaniel$49$585
Finnish Lapphund$46$551
Foxhound$47$564
Fox Terrier$43$512
French Bulldog$86$1,031
German Pinscher$46$549
German Shepherd$57$677
German Shorthaired Pointer$55$653
German Spitz$48$578
Giant Mix (100 pounds+)$54$647
Giant Mix (110 pounds+)$51$610
Giant Mix (111 pounds+)$47$558
Giant Mix (90 pounds+)$69$819
Goldendoodle$45$533
Golden Retriever$61$726
Gordon Setter$65$781
Great Dane$103$1,230
Great Pyrenees$80$956
Greyhound$64$771
Groodle$40$480
Harrier$53$637
Havanese$37$444
Himalayan$37$451
Hungarian Vizsla$64$770
Husky$45$539
Icelandic Sheepdog$47$557
Irish Setter$60$713
Irish Terrier$46$550
Italian Greyhound$46$545
Italian Spinone$52$626
Jack Russell Terrier$36$435
Japanese Chin$41$490
Japanese Spitz$41$495
Kangal Shepherd Dog$92$1,104
Keeshond$52$624
Komondor$76$908
Labradoodle$45$532
Labrador Retriever$57$684
Large Mix (51-100 pounds)$47$561
Large Mix (51-110 pounds)$43$514
Large Mix (55-90 pounds)$48$573
Large Mix (60-109 pounds)$51$610
Large Mix (61+ pounds)$47$562
Large Mix (71+ pounds)$85$1,023
Large Mix (Over 70 pounds)$46$559
Lhasa Apso$41$485
Lurcher$66$793
Maine Coon$43$519
Maltese$42$506
Maltipoo$34$407
Medium Mix (20-55 pounds)$37$448
Medium Mix (20-70 pounds)$39$470
Medium Mix (21-70 pounds)$89$1,060
Medium Mix (23-70 pounds)$47$563
Medium Mix (26-50 pounds)$39$469
Medium Mix (26-59 pounds)$51$610
Medium Mix (31-50 pounds)$39$471
Medium Mix (31-59 pounds)$39$463
Miniature Bull Terrier$64$763
Miniature Dachshund$45$531
Miniature Fox Terrier$44$527
Miniature Pinscher$43$519
Miniature Poodle$38$451
Miniature Schnauzer$49$580
Mixed Breed$50$604
Mixed Breed Giant (>90 lbs)$71$856
Mixed Breed Large (51-90 lbs)$47$561
Mixed Breed Medium (31-50 lbs)$35$418
Mixed Breed Small (>10 lbs)$29$348
Mixed Breed Small (11-30 lbs)$30$365
Mixed breed Small (up to 20lbs when full grown)$28$338
Mixed Dog (21-50 pounds)$41$498
Mixed Dog (51-90 pounds)$50$598
Mixed Dog (91 pounds+)$53$630
Morkie$34$409
Munchkin$37$443
Newfoundland$88$1,051
Norfolk Terrier$45$539
Norwegian Elkhound$47$558
Norwegian Forest cat$37$447
Norwich Terrier$47$562
Olde English Bulldogge$106$1,265
Old English Buldogge$83$1,000
Old English Sheepdog$65$783
Papillon$43$511
Pekingese$46$544
Pembroke Welsh Corgi$50$602
Persian$41$489
Peruvian Hairless Dog$43$512
Petit Basset Griffon Vendeen$64$767
Petit Basset Griffon Vendeens$47$559
Pitbull$61$730
Pointer$51$605
Pomeranian$41$490
Portuguese Water Dog$59$704
Pug$57$676
Puggle$39$464
Puli$68$819
Ragdoll$35$419
Rhodesian Ridgeback$66$790
Rottweiler$94$1,123
Rough Collie$57$686
Russian Blue$34$413
Saint Bernard$109$1,303
Saluki$57$682
Samoyed$52$628
Savannah$39$476
Schnoodle$40$473
Scottish Deerhound$88$1,058
Scottish Fold$39$470
Scottish Terrier$55$653
Serengeti$39$472
Shar Pei$83$994
Shetland Sheepdog$44$521
Shiba Inu$38$459
Shih Tzu$36$431
Siamese$35$425

Is MetLife Pet Insurance Expensive?

MetLife ranks 10th in affordability for cats and sixth for dogs, making it a mid-tier option. The filterable table shows how costs change based on your pet's age and your selected deductible, annual limit and reimbursement rate:

Data filtered by:
Cat
Middle Aged
$100
$10,000
70%
$65$77037%

MetLife Pet Insurance Discounts

MetLife offers multiple pet insurance discounts. Availability varies by state and enrollment channel. Combined discounts max out at 30%.

Military, veteran and first responder

10%

Active or former Armed Forces, National Guard or Reserves members, or first responders

Federal employee

Not specified

Federal employees of the U.S. Government

Health care worker

10% 

Work in the health care industry

Animal care

10%

Owner, staff member or volunteer in the animal care industry

Employer group benefit

10%

Join a participating employer's group plan

Affinity group

5%

Member of a participating organization

Internet purchase

$1

Purchase policy online

Multiple pets

Not specified

Enroll more than one pet (not available with Family Plans)

Deductible

$50

No claim reimbursement received within the year

MetLife Pet Insurance Customer Service Reviews and Ratings

MetLife ranks eighth nationally for customer service, earning a solid Better Business Bureau rating and positive Trustpilot feedback. Reddit users share mixed experiences with MetLife's support. Some praise helpful representatives and quick response times, but claim processing delays and difficulty reaching support during busy periods frustrate others.

    trustSeal icon
    MetLife Trustpilot Reviews

    MetLife earns a 4.7 out of 5 rating on Trustpilot from verified customers. Most policyholders report positive experiences with MetLife's coverage and support team.

    trustSeal icon
    MetLife Better Business Bureau Rating

    MetLife holds an A- rating from the Better Business Bureau but isn't BBB accredited. The A- grade indicates MetLife meets most BBB standards for trust and handles customer complaints effectively.

MetLife Pet Insurance Reddit Sentiment

MetLife receives mixed feedback on Reddit. MoneyGeek's analysis of 20 comments shows 40% positive sentiment: eight favorable reviews against 12 negative ones. Users praise responsive customer service and clear policy language but express frustration with pet insurance claim denials and coverage gaps.

MetLife Pet Insurance Coverage

MetLife sells customizable accident-only and accident-and-illness plans. You can customize your pet insurance coverage by choosing the deductible, annual reimbursement limit and reimbursement percentage to balance monthly cost and out-of-pocket exposure.

$0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

$500 to $25,000 in $1,000 increments

50%, 70%, 80%, 90%

Accident-only coverage

Covers treatment for injuries caused by accidents, including emergency care, diagnostics, imaging, surgery, hospitalization and related medications

Accident and illness coverage

Covers accidents plus illnesses, such as infections, cancer, chronic conditions that first arise after coverage begins, diagnostics, specialty care and prescription medications

Pre-existing conditions

May cover certain pre-existing conditions when you switch from another provider to MetLife's group policy; the condition must be covered by the previous insurer

Bilateral conditions
If signs or treatment for one side of a bilateral condition appear before coverage, the opposite side may be excluded as related or pre-existing

Immediate coverage for accidents, 14 days for illnesses and orthopedic conditions

*Coverage varies by state and policy terms. Review your policy and consult your provider to understand coverage terms, exclusions, limitations and waiting periods before enrollment.

MetLife Pet Insurance Coverage Add-Ons

MetLife offers an optional add-on for preventive care, providing reimbursement for certain wellness and routine costs.

Preventive Care

Reimburses routine care such as vaccinations, annual exams, parasite prevention, microchipping, anal gland expression, deworming, spay/neuter procedure, behavior training and more

Is MetLife Pet Insurance Good: Bottom Line

The company ranks eighth nationwide for customer experience and has high Trustpilot and BBB ratings. You can select accident-only or accident and illness plans, with optional wellness coverage add-ons for routine care needs.

Browse through our review guides for the top pet insurance companies for your pet:

MetLife Pet Insurance Review: FAQ

Find answers to common questions about MetLife pet insurance coverage:

Is MetLife pet insurance worth it in 2025?

What do Reddit users really think about MetLife pet insurance?

Does MetLife cover pre-existing conditions for pets?

Can I get a discount for insuring multiple pets with MetLife?

Is MetLife pet insurance available in my state?

How We Rated MetLife Pet Insurance

MetLife entered the pet insurance market through employer benefits, raising questions about whether it competes with standalone pet insurers. Our analysis compares MetLife's pricing, coverage and customer service against 13 national competitors to determine where it ranks for individual pet owners shopping outside employer plans.

Affordability matters most when comparing pet insurance, a policy you can't afford won't cover your pet. We weighted cost at 50% of MetLife's overall score. We collected quotes across multiple coverage levels, pet breeds and age ranges to capture real pricing variation. Discount structures affect your actual premium, so we factored in stackable discounts rather than relying on base advertised rates. This reveals whether MetLife's mid-market positioning delivers value or just mediocrity.

Customer experience accounts for 30% because claims define your insurance experience. Trustpilot and Reddit feedback shows how MetLife handles real claims: the moment when responsive service matters most. Mixed reviews on claim processing and support accessibility directly impact this score.

Coverage options make up the remaining 20%. Policy features, optional add-ons and coverage scope determine whether MetLife's accident and illness policies match your pet's needs. Preventive care riders and zero-deductible options set MetLife apart, though these features come at a premium.

All quotes use a 6-year-old Labrador Retriever and 7-year-old Ragdoll with a $500 deductible, $5,000 annual limit and 80% reimbursement rate. These profiles represent the most common pet insurance purchase scenarios and allow direct cost comparisons across providers.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.


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