reimbursement70%, 80%, or 90%
Best for: Multi-pet households that want one family policy with a shared deductible and immediate accident coverage.
Insurer review
MetLife Pet Insurance review
Best for: Multi-pet households that want one family policy with a shared deductible and immediate accident coverage.
Coverage terms at a glance
| Annual limits | $500 – $25,000 |
|---|---|
| Reimbursement | 70%, 80%, or 90% |
| Deductible | $0 – $2,500 annual (shared across pets on a family plan) |
| Waiting periods | 0 days accidents and wellness (coverage starts at midnight), 14 days illnesses, 6 months orthopedic conditions |
Highlights
- Family Plan — up to three pets on one policy with a shared deductible
- Accident coverage starts at midnight with no waiting period
- Exam fees and grief counseling included
Pros and cons
Pros
- Unique multi-pet family policy with shared deductible
- No waiting period for accidents
- Exam fees covered at no extra cost
- $0 deductible option available
Cons
- 6-month orthopedic waiting period with no exam waiver
- 14-day illness waiting period
- Annual limit tops out at $25,000 — no unlimited option
- Customer service reviews are mixed relative to pet-first rivals
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Related reading
MetLife Pet Insurance FAQ
How much does MetLife Pet Insurance cost per month?
We don't publish a price for MetLife Pet Insurance, because there isn't one — premiums are filed by ZIP code and priced on your dog's age, breed, and medical history, plus the deductible and reimbursement you choose. MetLife Pet Insurance is rated here on its published coverage terms, not on price. For the industry baseline to compare a quote against, see our US pet insurance cost page, and request a quote directly for your own dog.
What are MetLife Pet Insurance's waiting periods?
0 days accidents and wellness (coverage starts at midnight), 14 days illnesses, 6 months orthopedic conditions
What reimbursement does MetLife Pet Insurance offer?
MetLife Pet Insurance offers reimbursement options of 70%, 80%, or 90%, with annual limits of $500 – $25,000 and deductible options of $0 – $2,500 annual (shared across pets on a family plan).