MetLife's pet insurance scores 2.4 out of 5 for cats and 3.05 for dogs in MoneyGeek's analysis. The provider excels in coverage options but scores low in customer experience, ranking eighth among competitors in this category. MetLife requires a 14-day waiting period for accident coverage, which is standard compared to most insurers.
MetLife Pet Insurance Review
Updated: October 9, 2025
Advertising & Editorial Disclosure
MetLife Pet Insurance Review: Key Takeaways
MetLife ranks tenth nationally for cat insurance affordability and sixth for dog coverage, with monthly premiums starting at $36 for cats and $57 for dogs.
MetLife places eighth nationally for customer experience in MoneyGeek's analysis, though pet insurance-specific customer feedback is limited on major review platforms.
Ranking seventh nationwide for coverage quality, MetLife provides comprehensive accident and illness policies with optional preventive care add-ons for routine pet care.
MetLife Pet Insurance Ratings
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Pet Type:Cat
| Affordability | 2.64 | 10 |
| Coverage | 2.97 | 7 |
| Customer Experience | 1.67 | 8 |
| Overall Score | 2.40 | 12 |
WHO IS METLIFE PET INSURANCE BEST FOR?
MetLife ranks among the best pet insurance companies for owners wanting flexible deductibles and unlimited benefit limits. The provider covers hereditary conditions, behavioral treatments and exam fees without extra charges. Pet parents should consider the waiting periods for accident coverage when comparing immediate protection needs.
MetLife Pet Insurance Ratings by State
MetLife provides pet insurance nationwide across all 50 states. The company achieves moderate performance, with its best overall ranking being ninth place for dogs in one state and 10th place in 48 states. For cats, MetLife ranks 12th in 36 states. The company shows stronger affordability performance for dogs, securing second place in two states and third place in three states.
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Category:Affordability
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Pet Type:Cat
| Alabama | 2.75 | 10 |
| Alaska | 2.61 | 10 |
| Arizona | 3.00 | 9 |
| Arkansas | 2.52 | 10 |
| California | 2.80 | 10 |
| Colorado | 2.94 | 10 |
| Connecticut | 2.57 | 10 |
| Delaware | 2.15 | 12 |
| Florida | 2.75 | 11 |
| Georgia | 2.70 | 10 |
| Hawaii | 2.44 | 12 |
| Idaho | 2.73 | 9 |
| Illinois | 2.04 | 11 |
| Indiana | 2.77 | 10 |
| Iowa | 2.80 | 10 |
| Kansas | 2.17 | 11 |
| Kentucky | 2.78 | 10 |
| Louisiana | 2.65 | 11 |
| Maine | 3.10 | 10 |
| Maryland | 2.78 | 8 |
| Massachusetts | 2.53 | 11 |
| Michigan | 2.65 | 9 |
| Minnesota | 2.62 | 11 |
| Mississippi | 2.53 | 10 |
| Missouri | 2.88 | 10 |
| Montana | 2.55 | 10 |
| Nebraska | 2.51 | 10 |
| Nevada | 2.31 | 10 |
| New Hampshire | 2.40 | 11 |
| New Jersey | 2.63 | 9 |
| New Mexico | 2.78 | 10 |
| New York | 2.84 | 9 |
| North Carolina | 2.65 | 10 |
| North Dakota | 2.20 | 10 |
| Ohio | 2.49 | 13 |
| Oklahoma | 2.90 | 9 |
| Oregon | 3.06 | 10 |
| Pennsylvania | 3.02 | 11 |
| Rhode Island | 2.48 | 11 |
| South Carolina | 2.07 | 10 |
| South Dakota | 2.84 | 10 |
| Tennessee | 2.48 | 10 |
| Texas | 2.83 | 11 |
| Utah | 3.01 | 9 |
| Vermont | 2.41 | 11 |
| Virginia | 2.41 | 13 |
| Washington | 2.53 | 10 |
| West Virginia | 2.71 | 10 |
| Wisconsin | 2.40 | 10 |
| Wyoming | 2.37 | 10 |
MetLife Pet Insurance Comparison
See how MetLife pet insurance fares against national competitors below.
MetLife vs. AKC | • Dogs: 3.05 vs. 4.30 • Cats: 2.40 vs. 3.85 | AKC scores higher in all categories, with stronger coverage, customer service and overall scores for dogs and cats. |
MetLife vs. ASPCA | • Dogs: 3.05 vs. 3.85 • Cats: 2.40 vs. 3.35 | ASPCA offers better affordability and customer service, while MetLife lags in coverage and overall performance. |
MetLife vs. Embrace | • Dogs: 3.05 vs. 2.55 • Cats: 2.40 vs. 2.30 | MetLife has an edge in affordability, while Embrace scores lower in most categories. |
MetLife vs. Fetch | • Dogs: 3.05 vs. 2.70 • Cats: 2.40 vs. 2.95 | Fetch leads in coverage and customer service, but MetLife maintains better affordability. |
MetLife vs. Figo | • Dogs: 3.05 vs. 3.60 • Cats: 2.40 vs. 3.80 | Figo scores higher in coverage and customer service, while MetLife has a slight affordability edge. |
MetLife vs. Hartville | • Dogs: 3.05 vs. 3.50 • Cats: 2.40 vs. 3.90 | Hartville scores higher in overall performance and customer service, making it the stronger choice. |
MetLife vs. Lemonade | • Dogs: 3.05 vs. 4.50 • Cats: 2.40 vs. 4.25 | Lemonade offers lower costs and better service, outperforming MetLife in nearly all categories. |
MetLife vs. Liberty Mutual | • Dogs: 3.05 vs. 2.65 • Cats: 2.40 vs. 2.30 | MetLife narrowly edges out Liberty Mutual, but both providers rank low compared to other competitors. |
MetLife vs. Nationwide | • Dogs: 3.05 vs. 2.50 • Cats: 2.40 vs. 2.65 | Nationwide is weaker on affordability, but its customer service is stronger. MetLife wins only slightly on overall score. |
MetLife vs. Pets Best | • Dogs: 3.05 vs. 4.05 • Cats: 2.40 vs. 3.80 | Pets Best scores higher in coverage and customer service, while MetLife offers limited advantages. |
MetLife vs. Pumpkin | • Dogs: 3.05 vs. 3.70 • Cats: 2.40 vs. 4.15 | Pumpkin scores higher on affordability and service, while MetLife competes more closely on dog coverage. |
MetLife vs. Rainwalk | • Dogs: 3.05 vs. 4.05 • Cats: 2.40 vs. 3.95 | Rainwalk scores higher in customer service and coverage, while MetLife scores stronger only in affordability. |
MetLife vs. Spot | • Dogs: 3.05 vs. 3.75 • Cats: 2.40 vs. 4.15 | Spot scores higher in service and cat affordability, while MetLife offers a slight dog affordability advantage. |
How Much Does MetLife Pet Insurance Cost?
MetLife charges $57 monthly ($684 annually) for dog coverage and $36 monthly ($437 annually) for cats. These pet insurance costs vary based on your pet's breed, age and your location.
| Dog | $57 | $60 | $684 | $723 | 5% |
| Cat | $36 | $32 | $437 | $379 | 15% |
MetLife Pet Insurance Rates by State
MetLife's rates vary by state due to local veterinary costs and claim patterns, making the cheapest pet insurance location-dependent. For cats, Arkansas offers the lowest premium at $25 monthly, while Massachusetts charges the highest at $48. Dog coverage ranges from $39 in Arkansas to $75 in Massachusetts.
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Pet Type: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 pet insurance premiums based on your pet's breed. Cat owners pay around $33 monthly for British Longhairs but $43 for Maine Coons. Dog premiums vary more, starting at $24 for small mixed breeds under 20 pounds and reaching $114 for Bullmastiffs. These pricing differences reflect each breed's health profile, as certain breeds require more frequent veterinary care and costly treatments.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $43 | $514 |
Is MetLife Pet Insurance Expensive?
MetLife ranks 10th in affordability for cats and sixth for dogs, making it a mid-tier option rather than the cheapest choice. The filterable table below shows how costs change based on your pet's age and your selected deductible, annual limit and reimbursement rate.
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Pet Type:Cat
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Pet Age Group:Middle Aged
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Deductible:$100
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Annual Limit:$10,000
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Reimbursement %:70%
| $65 | $770 | 37% |
MetLife Pet Insurance Discounts
MetLife provides various pet insurance discounts to lower premium costs. Availability varies by state and enrollment channel. MetLife caps combined discounts at 30%.
Employer or group discount | 10% | Enroll through a participating employer group or voluntary benefits channel |
Affinity or partner discount | 5% | Enroll through an approved affinity group or partner program (availability varies) |
Family plan/multi-pet family policy | Varies | Cover up to three pets on a single family policy with a shared deductible and shared annual limit |
Multi-policy discount | Varies | Discounts may apply when insuring more than one pet on separate policies; structure depends on channel |
Promotional or online offers | Varies | Limited-time or channel-specific promotions available when enrolling online or through specific offers |
MetLife Pet Insurance Customer Service Reviews and Ratings
MetLife ranks eighth nationally for customer service with cats and dogs, earning a solid rating from the Better Business Bureau and positive feedback on Trustpilot. Reddit users share mixed experiences with MetLife's support. Some customers praise the helpfulness of service representatives and quick response times. Others report frustrations with claim processing delays and difficulty reaching support during busy periods.
MetLife Trustpilot Reviews
MetLife earns a 4.5 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with MetLife's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
MetLife Better Business Bureau Rating
MetLife holds an A- rating from the Better Business Bureau, though it is not currently BBB accredited. The A- grade shows MetLife meets most BBB standards for trust and handles customer complaints effectively. This rating demonstrates the company follows ethical business practices in its pet insurance operations.
MetLife Pet Insurance Reddit Sentiment
MetLife pet insurance receives mixed feedback on Reddit. Our analysis of 20 comments shows 40% positive sentiment, with eight favorable reviews against 12 negative ones. Users praise the company's responsive customer service and clear policy language.
Many express frustration with claim denials and coverage gaps. These varied experiences highlight how different customers navigate MetLife's claims process.
MetLife Pet Insurance Coverage
MetLife sells customizable accident-only and accident-and-illness plans. You can choose the deductible, annual reimbursement limit and reimbursement percentage to balance monthly cost and out-of-pocket exposure.
Deductibles | Flexible options; MetLife offers a wide range so you can choose the right balance of monthly premium and out-of-pocket costs |
Annual limits | Customizable annual limits, including high-limit and unlimited options in many states |
Reimbursement rates | Choices include 50%, 70%, 80% and 90% depending on plan and state |
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 | Excluded; conditions with signs or treatment before enrollment or during waiting periods are not covered |
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 |
Waiting periods | Short waiting period for accidents and a longer waiting period for illnesses; some orthopedic conditions may have extended waiting periods |
Enrollment restrictions | Plan features and add-ons vary by state; family plans and certain discounts are available only through specific channels |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MetLife Pet Insurance Coverage Add-Ons
MetLife offers optional riders and preventive care plans to expand routine care coverage or reimburse exam fees. Availability varies by state and channel.
Preventive care (wellness) plan | Reimburses routine care such as vaccinations, annual exams, parasite prevention and dental cleanings according to the schedule of benefits you choose |
Exam fee reimbursement | Reimburses exam or consultation fees for primary, emergency or specialty visits when related to covered treatment, per policy terms |
Family policy/shared deductible | Lets you insure up to three pets on one policy with a shared deductible and shared annual limit |
Healthy-pet incentives | Programs that may reduce the deductible or provide rewards for claim-free years or preventive care compliance; program names and rules vary by channel |
Is MetLife Pet Insurance Good: Bottom Line
MetLife charges $57 monthly for dog insurance and $36 for cat coverage on average. The company ranks eighth nationwide for customer experience and maintains high Trustpilot and BBB ratings. Pet owners can select accident-only or comprehensive accident and illness plans, with optional wellness coverage add-ons available for routine care needs.
MetLife Pet Insurance Review: FAQ
Find answers to common questions about MetLife pet insurance coverage below.
Is MetLife pet insurance worth it in 2025?
MetLife pet insurance offers moderate value in 2025, particularly for dog owners who benefit from strong affordability rankings. The company provides solid coverage options across cats and dogs. Monthly premiums average $57 for dogs and $36 for cats, making it a reasonably priced option in today's market.
What do Reddit users really think about MetLife pet insurance?
Reddit users show mixed feelings about MetLife pet insurance. Our data reveals 40% positive sentiment, with 8 favorable comments versus 12 negative ones. Reddit discussions highlight similar patterns: users often praise helpful customer service representatives, but frequently criticize slow claim processing times and unexpected coverage gaps that leave them with higher out-of-pocket costs.
Does MetLife cover pre-existing conditions for pets?
MetLife excludes pre-existing conditions from coverage. However, curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and knee or ligament problems are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with MetLife?
Yes, MetLife offers a multiple pet discount when you insure more than one pet on the same policy. You can also access additional savings through AAA membership, workplace benefits and other qualifying programs that help reduce your premium costs.
Is MetLife pet insurance available in my state?
Yes, MetLife pet insurance operates in all 50 states for cats and dogs. Premium costs vary by location. Arkansas offers the most affordable rates at $25 monthly for cats and $39 for dogs. Massachusetts has the highest premiums at $48 for cats and $75 for dogs monthly.
How We Rated MetLife Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how MetLife performs across the following key areas:
Affordability (50% of score): We analyzed premiums by collecting quotes across multiple coverage levels, pet breeds and age ranges to compare providers' charges. Our analysis also considered the company’s discount structure to reveal the true cost you'll pay rather than base advertised rates.
Customer experience (30% of score): We computed this score by collecting customer feedback and ratings from platforms like Trustpilot and Reddit to gauge real user experiences.
Coverage options (20% of score): We evaluated all policy features, optional add-ons and coverage scope to assess whether the company provides comprehensive financial protection and valuable policy benefits for pet owners.
We used quotes collected using our standard 6-year-old Labrador Retriever and 7-year-old Ragdoll profiles, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "MetLife, Inc.." Accessed October 12, 2025.
- Trustpilot. "MetLife Pet Insurance." Accessed October 12, 2025.