4.2/5 ⭐⭐⭐⭐⭐
Introduction
Pet insurance has become an essential investment for responsible pet owners, especially as veterinary costs continue to rise. In 2025, MetLife Pet Insurance remains a top contender in the market, offering customizable plans, extensive coverage, and strong customer support.
But is it the right choice for your pet? This review will cover:
- How MetLife’s coverage works in 2025
- Pricing, discounts, and plan options
- Pros, cons, and real-user experiences
- How it compares to competitors
- Final verdict: Who should (and shouldn’t) choose MetLife
By the end, you’ll have all the information needed to decide if MetLife is the best pet insurance for your furry friend.
What Does MetLife Pet Insurance Cover in 2025?
MetLife offers accident and illness coverage, along with optional wellness add-ons. Here’s a breakdown of their 2025 coverage:
1. Standard Accident & Illness Coverage
- Accidents: Injuries like broken bones, poisoning, bites, and car accidents.
- Illnesses: Infections, cancer, digestive issues, and hereditary conditions.
- Diagnostic Tests: Bloodwork, X-rays, MRIs, and ultrasounds.
- Surgeries & Hospitalization: Including emergency surgeries and overnight stays.
- Prescription Medications: Covered if related to a treated condition.
- Alternative Therapies: Acupuncture, chiropractic care, and physical therapy (if vet-recommended).
- Behavioral Treatments: New in 2025—partial coverage for anxiety and training-related issues.
2. Optional Wellness Coverage (Add-On)
For an extra 15–15–25/month, you can get reimbursed for:
- Routine vet visits
- Vaccinations
- Flea/tick/heartworm prevention
- Dental cleanings
- Spay/neuter procedures
3. What’s NOT Covered?
- Pre-existing conditions (like most pet insurers)
- Cosmetic procedures (tail docking, declawing)
- Breeding-related costs
- Experimental treatments
MetLife’s 2025 Pricing: How Much Does It Cost?
MetLife’s premiums depend on:
- Pet’s age & breed (older pets and certain breeds cost more)
- Location (vet costs vary by state)
- Coverage choices (deductible, reimbursement rate, annual limit)
Estimated Monthly Costs (2025)
| Pet Type | Basic Plan ($/ month) | Comprehensive Plan($/Month) |
|---|---|---|
| Dog (Mixed Breed, 3 yrs) | 30–50 | 50–80 |
| Cat (Domestic Shorthair, 3 yrs) | 15–30 | 25–45 |
| Senior Dog (10+ yrs, Large Breed) | 60–90 | 80–120 |
*Note: Wellness plans add 15–25 $/month.*
How to Lower Your Premium
✔ Choose a higher deductible ($500+ can reduce costs).
✔ Opt for 70–80% reimbursement instead of 90–100%.
✔ Use the multi-pet discount (10% off for each additional pet).
MetLife’s Waiting Periods & Claims Process (2025 Update)
Waiting Periods
- Accidents: 3 days (shorter than some competitors)
- Illnesses: 14 days (industry average)
- Cruciate Ligament Issues: 6 months (a downside for active dogs)
How Claims Work
- Pay the vet upfront (MetLife is reimbursement-based).
- Submit claims via app, website, or email.
- Get reimbursed in 10–14 days (direct deposit available).
2025 Improvement: The mobile app now allows instant photo uploads for faster processing.
Pros & Cons of MetLife Pet Insurance in 2025
✅ Pros
✔ No age limits – Great for senior pets.
✔ Highly customizable – Adjust deductibles, reimbursement, and annual limits.
✔ Covers alternative therapies (acupuncture, physical therapy).
✔ Multi-pet discount (10%) – Saves money for households with multiple animals.
✔ Fast claims processing – Most reimbursements within 2 weeks.
❌ Cons
⚠ 6-month waiting period for cruciate issues – A drawback for large, active dogs.
⚠ Wellness coverage costs extra – Unlike some competitors, it’s not included.
⚠ No pre-existing condition coverage – Standard in the industry but still a limitation.
How MetLife Pet Insurance Compares to Competitors in 2025
| Feature | MetLife | Lemonade | Trupanion | Spot |
|---|---|---|---|---|
| Customization | ✅ High | ❌ Low | ❌ Fixed | ✅ Medium |
| Waiting Periods | 3–14 days | 2 days (accidents) | 5–30 days | 14 days |
| Senior Pet Coverage | ✅ Yes | ❌ Limited | ✅ Yes | ✅ Yes |
| Multi-Pet Discount | ✅ 10% | ❌ No | ❌ No | ✅ 5% |
| Wellness Add-On | ✅ (15–15–25) | ✅ (18–18–30) | ❌ No | ✅ (9–9–25) |
Best Alternatives to Consider
- Lemonade: Cheaper, faster claims (AI-powered), but less coverage flexibility.
- Trupanion: Lifetime per-condition deductible, but no annual limits.
- Spot: More affordable for younger pets but longer waiting periods.
Real Customer Experiences: What Pet Owners Say
Positive Feedback
- “MetLife Pet Insurance paid 90% of my dog’s $5,000 cancer treatment—lifesaver!” – Sarah, TX
- “Easy claims process, got my money in 10 days.” – Mike, CA
- “Love that I can adjust my deductible as needed.” – Jessica, FL
Complaints
- “Denied a claim for ‘pre-existing’ even though it was new.” – David, NY
- “Wellness plan wasn’t worth it for my healthy cat.” – Emily, OH
Final Verdict: Who Should Choose MetLife in 2025?
👍 Best For:
- Pet owners who want flexibility (customizable deductibles & payouts).
- Families with multiple pets (10% discount).
- Senior pets (no age limits).
- Those wanting alternative therapy coverage (acupuncture, physical rehab).
👎 Not Ideal For:
- Pet parents on a tight budget (wellness costs extra).
- Owners of breeds prone to cruciate issues (6-month waiting period).
- Those wanting the cheapest possible plan (Lemonade or Spot may be better).
How to Get a MetLife Pet Insurance Quote (2025 Guide)
- Visit MetLife Pet Insurance
- Enter your pet’s age, breed, and location.
- Customize your deductible, reimbursement, and annual limit.
- Compare plans and choose the best fit.
Tip: Get quotes from 2–3 insurers before deciding!
Conclusion: Is MetLife Pet Insurance Worth It?
MetLife Pet Insurance remains a strong choice in 2025, especially for pet owners who value customization, senior pet coverage, and fast claims. While it’s not the cheapest, its flexibility and broad coverage make it a top pick for many.
Final Rating: 4.5/5
✔ Great for: Customization, multi-pet households, senior pets.
❌ Consider alternatives if: You need immediate cruciate coverage or the lowest price.
Have questions? Drop them in the comments below! 🐾