MetLife Pet Insurance review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
MetLife Pet Insurance suits owners who want a pet insured with a licensed US carrier and prefer paying month by month.
Key facts
- Best for
- Monthly pet cover from a licensed US carrier.
- Premium from
- $7 (Source, checked September 26, 2026)
- Insurance types
- Pet (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $0 to $2,500 (Source, checked September 26, 2026)
- Cover limit
- USD 500 - 25,000 per policy year, or unlimited (Source, checked September 26, 2026)
- Claims channels
- Mobile-app, Online-portal, Email, Mail, Text-message, Fax (Source, checked September 26, 2026)
- Age range
- All ages; coverage options may be limited for certain ages (Source, checked September 26, 2026)
- Legal entity
- MetLife Pet Insurance Solutions LLC (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- metlifepetinsurance.com
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Monthly payments are available, so the premium is spread rather than paid in a lump.
- Claims can be filed through mobile app, online portal and email, starting in the app or the online portal.
- Support runs on phone, chat and email, with phone and chat alongside written help.
- Annual limits of USD 500 - 25,000 per policy year, or unlimited leave room for costly treatment.
Cons
- Coverage options may be limited for certain ages, per All ages; coverage options may be limited for certain ages.
- The range is pet lines only, pet, so there is nothing else to bundle it with.
- Excess varies by plan, running $0 to $2,500, so a claim can leave you to pay a share.
Ready to try MetLife Pet Insurance?
Scored 9.4 / 10 by AssureCue.
Who it suits
- Owners who would rather spread the premium than settle it in a single payment.
- Pet parents who want a licensed carrier behind the policy rather than a broker.
- People who are comfortable filing claims through the app or online portal.
Who should look elsewhere
- Good Sam Insurance Agency, if you want pet cover alongside auto, home, renters and life: auto, home and renters.
- bonus.ch, whose listed starting premium of CHF 0 sits below this brand.
- ComparaJa, whose listed starting premium is €0, if you are shopping in a different market.
Safety and regulation
MetLife Pet Insurance is an insurer, insurer, rather than a broker or a comparison site. The policies sit with Metropolitan General Insurance Company, a Rhode Island licensed insurance company in the US. Claims are handled by a licensed carrier rather than a middleman, so the name on your policy should match the company you pay. The carrier named on the documents settles the claim.
Who runs it
The contract is with MetLife Pet Insurance Solutions LLC, based in the United States. Day to day contact comes through phone, chat and email, so help is by phone, chat, email or the help centre rather than in person. For a pet policy the practical question is whether the carrier is reachable when your animal falls ill, and that channel list answers it. Written channels suit owners who keep records, and phone suits an accident that cannot wait.
How MetLife Pet Insurance compares
9.4 vs 8.6
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9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
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9.4 vs 8.7
9.4 vs 9.0
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.3- 9.4 vs 9.3
9.4 vs 9.3Max Life Insurance
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2- 9.4 vs 9.1
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 8.8
9.4 vs 8.8
9.4 vs 8.6- 9.4 vs 8.4
- 9.4 vs 8.2
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Where MetLife Pet Insurance is available
- Available
- United States
- Licence in United States
- Metropolitan General Insurance Company (Rhode Island licensed insurance company), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does MetLife Pet Insurance cost?+
Premiums start at $7, below the site median €8.37, so the entry price sits below the middle of the field. Monthly payments are available, which spreads the cost rather than charging it all at the outset. What you finally pay depends on the plan you pick.
Is this an insurer or a broker?+
MetLife Pet Insurance is an insurer, insurer, not a comparison site. The policies sit with Metropolitan General Insurance Company, a Rhode Island licensed insurance company, so the entity on your paperwork is a licensed carrier rather than an intermediary selling cover on.
How much can I claim for my pet?+
Annual cover runs to USD 500 - 25,000 per policy year, or unlimited, so treatment costs are capped per policy year on standard plans and the highest plan lifts that cap. Vet bills are the reason most owners buy this, so weigh the limit against the treatment your pet is most likely to need.
How do I make a claim?+
Claims go through mobile app, online portal and email, so you can start in the mobile app or the online portal and fall back to email, text, mail or fax. Keeping the vet invoice and paperwork from each treatment makes the claim easier to put together later.
Is there an excess to pay?+
Yes, and it changes with the plan. Excess runs $0 to $2,500, so some options charge none while others take a share before a claim is settled. That amount comes straight off any payout, which can matter for a long or expensive course of treatment.
How do I get help from the company?+
Support runs on phone, chat and email. Phone covers anything urgent, chat handles quick questions, and email or the help centre suit written queries. Claims are handled apart from that, through mobile app, online portal and email.
Will it cover an older pet?+
All ages; coverage options may be limited for certain ages, so pets of any age can be covered, though coverage options may be limited for certain ages. Owners of senior animals should expect fewer plan choices and should settle age limits before comparing prices.
Where is the company based?+
The legal entity is MetLife Pet Insurance Solutions LLC, based in the United States. It is a pet specialist, with pet cover as its line, so there is no home, motor or travel range to bundle the pet policy with.
Sources
- metlifepetinsurance.com checked September 26, 2026
Backs: Age range, Cover limit, Provider type, Excess from, Headquarters, Insurance types, Legal entity
“You can enroll your dog or cat, no matter what their breed is, and we don't have any upper age restrictions.”
- metlifepetinsurance.com/claims checked September 26, 2026
Backs: Claims channels
“Claims can also be submitted through email, mail, text messaging, and fax.”
- metlifepetinsurance.com/customer-support checked September 26, 2026
Backs: Support channels
“reach out to us by phone, our 24/7 online chat, email, fax, or mail”
- metlifepetinsurance.com/plans checked September 26, 2026
Backs: Pricing model, Monthly payments, Premium from, Licences
“coverage starts at $7 per month for one cat and $16 per month for one dog”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.