from$16/mo
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
Get a quote
MetLife Pet Insurance FAQ
How much does MetLife Pet Insurance cost per month?
Plans start around $16 per month for young, healthy dogs on basic configurations. Your actual quote depends on breed, age, location, deductible, and reimbursement level.
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).