MetLife review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
MetLife writes its own dental cover, based in the United States, with monthly payments and a starting premium of $24.12. It suits people who want dental alone and a clear annual maximum per option, but that premium sits above the middle figure across the site, €8.37.
Key facts
- Best for
- Dental cover with monthly payments and a stated annual maximum per option.
- Premium from
- $24.12 (Source, checked September 26, 2026)
- Insurance types
- Dental (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- $50 to $100 (Source, checked September 26, 2026)
- Cover limit
- MetLife Federal Dental annual maximum: USD 2000 per person (Standard Option); unlimited (High Option) (Source, checked September 26, 2026)
- Claims channels
- Phone, Email, Online-form (Source, checked September 26, 2026)
- Legal entity
- Metropolitan Life Insurance Company (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1868 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- metlife.com
Apps and profiles
Pros and cons
Pros
- Cover comes from the insurer itself, insurer, so the company carrying the risk is named on the policy.
- Support runs on phone, email and help centre and claims go in by phone, email and online form, giving phone, email and form routes.
- Monthly payments are available, spreading dental treatment costs across the year rather than a single bill.
- Options differ on the annual maximum, and the higher one is unlimited.
Cons
- The starting premium of $24.12 a month sits above the middle figure across the site, €8.37.
- An excess of $50 to $100 applies on the MetLife Federal Dental plans, so smaller claims come out of pocket.
- Dental is the only insurance type listed, dental, so health or life cover needs a second provider.
Ready to try MetLife?
Scored 9.2 / 10 by AssureCue.
Who it suits
- People who want dental cover bought from the insurer rather than through a reseller.
- Households that would rather pay through the year than settle the whole policy at once.
- Policyholders who want the annual maximum and the excess spelled out before they join.
Who should look elsewhere
- Anyone wanting a single provider for many lines: Good Sam Insurance Agency lists auto, home and renters.
- Borrowers rather than policyholders: oney is a lending name, with a listed amount of €1,000.
- Shoppers comparing a broker listing: bonus.ch shows a starting premium of CHF 0.
Who runs it
MetLife trades as Metropolitan Life Insurance Company, a company based in the United States whose history begins in 1868. Policyholders deal with the insurer directly, and support runs on phone, email and help centre, so a question about cover or a claim can go by phone, by email or through the help centre at any point in the policy's life.
How MetLife compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2- 9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Bezpieczny.pl
Where MetLife is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does MetLife dental cover start at?+
MetLife lists dental cover at a starting premium of $24.12 a month, with monthly payments available. That is the opening figure rather than a typical one, and it sits above the middle starting premium across the brands on the site, €8.37.
Is there an excess to pay on a MetLife dental claim?+
An excess of $50 to $100 applies on the MetLife Federal Dental plans, so the policyholder pays that share of a claim before MetLife contributes. Claims themselves can be put in by phone, email and online form, which takes a phone call, an email or an online form.
How much will MetLife pay for dental treatment in a year?+
It depends on the option chosen. On the MetLife Federal Dental plans the annual maximum is capped per person for the Standard Option, while the High Option is unlimited. Dental is the insurance type listed for MetLife, dental, so that annual figure is the number to weigh before joining.
Can I pay for MetLife dental cover monthly?+
Monthly payments are available, so the cost of dental treatment spreads across the year instead of arriving as a single sum. The pricing model is monthly, and each option carries a stated annual maximum, which helps households with uneven cash flow plan ahead.
Who actually underwrites the MetLife policy?+
MetLife operates as insurer, so the cover is underwritten by the company named on the policy rather than an intermediary. The legal entity behind it is Metropolitan Life Insurance Company, based in the United States.
How do I make a claim on MetLife dental cover?+
Claims can be submitted by phone, email and online form, so a phone call, an email or an online form all work. Policy questions run through a separate set of routes, phone, email and help centre, which adds a help centre to the phone and email options.
Which help channels does MetLife offer?+
Support runs on phone, email and help centre, so a policyholder can pick up the phone, send an email or use the help centre. Dental claims have their own set of routes, phone, email and online form, which adds an online form to phone and email.
How does MetLife's starting premium compare with other brands?+
MetLife ranks at 176 of 252 brands listed on the site for premium from, and its starting premium of $24.12 sits above the middle figure across the site, €8.37. Within dental alone, the lowest listed starting premium is €0 and the highest is €319.60.
Sources
- en.wikipedia.org/wiki/MetLife checked September 26, 2026
Backs: Founded, Headquarters
“The firm was founded on March 24, 1868.”
- fedvip.metlife.com/dental/plan-details checked September 26, 2026
Backs: Cover limit, Excess from
“Calender Year Max $2000 per person”
- fedvip.metlife.com/dental/rates checked September 26, 2026
Backs: Premium from
“MetLife Federal Dental 2026 Plan Rates ... Monthly Rates Standard Option Self 24.12”
- metlife.com/insurance/dental-insurance checked September 26, 2026
Backs: Insurance types
“Dental Insurance: We're putting long-term health first with dental plans that give members access to quality providers who prioritize preventive care”
- metlife.com/insurance/dental-insurance/takealongdental checked September 26, 2026
Backs: Provider type, Legal entity, Pricing model, Monthly payments, Support channels
“Dental benefits are provided by Metropolitan Life Insurance Company (MetLife) or an affiliate of MetLife.”
- metlifetakealongdental.com checked September 26, 2026
Backs: Claims channels
“Online Claim Form ... MetLife Dental Claims P.O. Box 981282 El Paso, TX 79998-1282 ... Claims: Monday - Friday 8:00 a.m. to 11:00 p.m., EST”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
MetLife
Dental cover with monthly payments and a stated annual maximum per option.