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
Customer Experience1.668
Overall Score2.412
Affordability2.6410
Coverage2.977
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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.

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

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.

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

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

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
Select
Small Mix (Under 20 pounds)$24$283
Small Mix (11-25)$27$325
Small Mix (10 and less pounds)$28$331
Small Mix (0-20)$28$332
Small Mix (1-10 pounds)$28$340
Mixed breed Small (up to 20lbs when full grown)$28$338
Mixed Breed Small (>10 lbs)$29$348
Mixed Breed Small (11-30 lbs)$30$365
Small Mix (11-30)$32$385
Chihuahua$32$385
British Longhair$33$394
Small Mix (25 and less pounds)$33$389
Domestic Shorthair$33$395
Bombay$33$401
Maltipoo$34$407
Small Mix (22 pounds or less)$34$407
Morkie$34$409
Russian Blue$34$413
Ragdoll$35$419
Toy Mix (10 and less pounds)$35$419
Siamese$35$425
Mixed Breed Medium (31-50 lbs)$35$418
Shih Tzu$36$431
Jack Russell Terrier$36$435
Chinchilla$37$442
Devon Rex$37$441
Munchkin$37$443
Medium Mix (20-55 pounds)$37$448
Norwegian Forest cat$37$447
Havanese$37$444
Himalayan$37$451
Birman$38$453
Tonkinese$38$452
Miniature Poodle$38$451
Bengal$38$456
Cockapoo$38$456
Snowshoe$38$458
Burmese$38$462
Shiba Inu$38$459
Cavapoo$38$463
Medium Mix (31-59 pounds)$39$463
Puggle$39$464
Toy Poodle$39$465
British Shorthair$39$469
Scottish Fold$39$470
Medium Mix (26-50 pounds)$39$469
Medium Mix (20-70 pounds)$39$470
Serengeti$39$472
Medium Mix (31-50 pounds)$39$471
Savannah$39$476
Schnoodle$40$473
Balinese$40$478
Groodle$40$480
Australian Shepherd$40$480
Cornish Rex$40$486
Coton De Tulear$40$483
Lhasa Apso$41$485
Persian$41$489
Cavachon$41$488
Siberian$41$492
Australian Silky Terrier$41$488
Japanese Chin$41$490
Dingo$41$492
Pomeranian$41$490
Sphynx$41$496
Yorkshire terrier$41$496
Mixed Dog (21-50 pounds)$41$498
Japanese Spitz$41$495
American Hairless Terrier$42$497
Basenji$42$499
Maltese$42$506
Papillon$43$511
Exotic Shorthair$43$513
Dachshund$43$510
Abyssinian$43$514
Peruvian Hairless Dog$43$512
Australian Mist$43$515
Large Mix (51-110 pounds)$43$514
Fox Terrier$43$512
Australian Terrier$43$514
Maine Coon$43$519
Border Terrier$43$517
Miniature Pinscher$43$519
Shetland Sheepdog$44$521
Border Collie$44$524
American Eskimo$44$523
Miniature Fox Terrier$44$527
Miniature Dachshund$45$531
Labradoodle$45$532
Goldendoodle$45$533
Brussels Griffon$45$534
Norfolk Terrier$45$539
English Toy Terrier$45$540
Husky$45$539
Welsh Springer Spaniel$45$542
English Foxhound$45$543
Pekingese$46$544
Australian Cattle Dog$46$545
Italian Greyhound$46$545
West Highland White Terrier$46$550
Finnish Lapphund$46$551
Irish Terrier$46$550
German Pinscher$46$549
Wire Fox Terrier$46$554
Bichon Frise$46$555
Large Mix (Over 70 pounds)$46$559
American Foxhound$47$555
Icelandic Sheepdog$47$557
Giant Mix (111 pounds+)$47$558
Norwegian Elkhound$47$558
Bearded Collie$47$557
Petit Basset Griffon Vendeens$47$559
Large Mix (51-100 pounds)$47$561
Large Mix (61+ pounds)$47$562
Norwich Terrier$47$562
Medium Mix (23-70 pounds)$47$563
Mixed Breed Large (51-90 lbs)$47$561
Foxhound$47$564
Large Mix (55-90 pounds)$48$573
Australian Kelpie$48$572
Cairn Terrier$48$574
German Spitz$48$578
Miniature Schnauzer$49$580
Boston Terrier$49$580
Field Spaniel$49$585
Whippet$49$585
Welsh Corgi Cardigan$49$589
Cavalier King Charles Spaniel$50$600
Siberian Husky$50$599
Mixed Breed$50$604
Pembroke Welsh Corgi$50$602
Welsh Corgi Pembroke$50$602
Mixed Dog (51-90 pounds)$50$598
Pointer$51$605
Beagle$51$608
Affenpinscher$51$610
Giant Mix (110 pounds+)$51$610
Large Mix (60-109 pounds)$51$610
Medium Mix (26-59 pounds)$51$610
Small Mix (0-25)$51$610
Welsh Terrier$51$616
Bracco Italiano$52$620
Keeshond$52$624
Soft Coated Wheaten Terrier$52$623
Alaskan Husky$52$626
English Setter$52$626
Samoyed$52$628
Italian Spinone$52$626
Standard Schnauzer$52$627
Mixed Dog (91 pounds+)$53$630
Standard Poodle$53$632
Harrier$53$637
Basset Fauve de Bretagne$53$637
English Springer Spaniel$54$640
Belgian Shepherd Malinois$54$645
Giant Mix (100 pounds+)$54$647
Collie$54$649
Scottish Terrier$55$653
German Shorthaired Pointer$55$653
Cocker spaniel$55$659
Smooth Collie$55$660
Staffordshire Bull Terrier$56$665
Corgi$56$674
German Shepherd$57$677
Pug$57$676
Clumber Spaniel$57$678
Saluki$57$682
Labrador Retriever$57$684
Briard$57$684
Afghan Hound$57$687
Rough Collie$57$686
English Pointer$57$687
Vizsla$58$692
Tibetan Terrier$58$695
Chow Chow$59$702
Portuguese Water Dog$59$704
Akita$59$706
Irish Setter$60$713
Alaskan Malamute$60$715
Alsation$60$721
Golden Retriever$61$726
Pitbull$61$730
Airedale Terrier$62$739
American Staffordshire Terrier$64$762
Miniature Bull Terrier$64$763
Estrela Mountain Dog$64$765
Petit Basset Griffon Vendeen$64$767
Hungarian Vizsla$64$770
Greyhound$64$771
Bull Terrier$65$779
Gordon Setter$65$781
Old English Sheepdog$65$783
Basset Hound$65$784
Dalmatian$66$786
Alsatian$66$789
Borzoi$66$788
Weimaraner$66$790
Rhodesian Ridgeback$66$790
Lurcher$66$793
Central Asian Shepherd Dog$67$806

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%.

Federal employee
Not specified
Federal employees of the U.S. Government
Multiple pets
Not specified
Enroll more than one pet (not available with Family Plans)
Internet purchase
$1
Purchase policy online
Affinity group
5%
Member of a participating organization
Military, veteran and first responder
10%
Active or former Armed Forces, National Guard or Reserves members, or first responders
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
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 Connor Bolton


Connor Bolton headshot

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.

Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.

He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.


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