MetLife Pet Insurance Reviews 

11,474
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Looking at 9,729 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently share that the platform is very user-friendly, making the submission of claims completely seamless. Consumers note that reimbursements are issued rapidly, which brings immense relief during stressful veterinary visits. Many people also appreciate that support representatives are remarkably helpful, polite, and professional when contacted. However, some people mentioned frustrations regarding unexpected claim denials related to specific coverage rules. Some reviewers experienced difficulties when trying to appeal partial payments or obtain clear explanations from staff. A few consumers expressed dissatisfaction with how certain preexisting conditions and routine care costs are handled.

What people talk about most

Claim

Customers consistently note positive experiences with claim submission, praising the straightforward process... See more

User experience

People report positive experiences with user experience, highlighting that the website and app are simple,... See more

Service

Users describe positive interactions with service, praising the fast and easy claims process. Consumers... See more

Response time

Reviewers highlight satisfaction with the response time, noting an easy and straightforward claims process... See more

Customer service

Customers had positive experiences with customer_service, noting that representatives are consistently... See more

Reviews shaping this summary

Rated 5 out of 5 stars

MetLife Pet Insurance is offered through my employer. They provided the best options than other companies. When I spoke to the representative, he was very nice and pleasant. He explained everything... See more

Company replied

Rated 5 out of 5 stars

The claim had a very quick response & payment.Quick hint make sure you have all the documents uploaded properly to get that quick settlement . Nice work MetLife Pet Insurance definetly recommend them.... See more

Company replied

Rated 5 out of 5 stars

I've had this insurance for about 6 years and never had to use it, so I was worried but...My first claim experience was amazingly easy! Everything was paid for (except trimming her nails which I fully... See more

Company replied

Rated 5 out of 5 stars

My 2 dogs are my family and Metlife Pet insurance is always very reasonable and fair when deciding what qualifies according to my plan. As soon as I submit a claim, it is reviewed quickly and sometime... See more

Company replied


Company details

  1. Pet Insurance Company

Written by the company

MetLife was founded over 150 years ago to help families navigate life’s twists and turns with financial protection. But then in 2020 we realized something: who rounds out a family better than our pets? And thus- MetLife Pet Insurance was born. Backed by a group of pet lovers determined to treat your pets as if they were our own, MetLife Pet Insurance strives to help you make sure your furry family members are protected. Our comprehensive pet insurance policies for dogs and cats help you cover the cost of injuries, illnesses, pet meds, holistic care, emergencies and more- allowing pet owners to help give their pets the best care possible. We also offer a unique family plan,1 which allows pet parents to cover up to three pets on one policy, and even offer a 0-day waiting period on accidents and optional Preventive Care benefits.2 That means no matter what your pets are getting into, they can be protected by midnight on the very same day you enroll in a policy. This commitment to helping provide pet parents with the best pet insurance possible, may be part of why MetLife Pet Insurance has won the “Pet Insurance of the Year” award 4 years in a row. 3 But that’s not all. Here at MetLife Pet, our passion for animals extends beyond the home. That’s why in addition to offering cost-effective pet insurance for dogs and cats, we also work with hundreds of animal shelters across the country to help our furry friends find their forever homes. Because at MetLife Pet, our pets are more than just animals. They’re family. 1 Coverage options may be limited for certain ages. 2 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans. 3 “2022, 2023, 2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois). ©2025 MetLife Services and Solutions, LLC. All Rights Reserved. L4805429[exp0927][All States and][No Territories]


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

11K reviews

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4.7

All reviews

(11,474)

9,448 reviews in the last 12 months

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Rated 5 out of 5 stars

Fast reimbursement and easy claims…

Fast reimbursement and easy claims process

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello Anthony! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 4 out of 5 stars

Easy and fast

Easy and fast

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Chau! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Great customer service

Great customer service

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 1 out of 5 stars

SCAM SCAM SCAM

I specifically increased my MetLife Pet policy limit to $10,000 at renewal after my French Bulldog’s first expensive spine surgery. I did this so a recurrence would be covered under the higher limit. No one explained to me at the time of the increase that the new limit would not apply to a condition that had already started under the previous policy.
When he needed the same surgery again, MetLife only paid $5,000, citing their Continuous Coverage rule. I paid significantly higher premiums (roughly double) for coverage that did not actually protect me for this known issue. If I had been told this limitation upfront, I never would have increased the limit or paid the higher premium.
After more than $13,000 in surgery costs plus end-of-life expenses, I was left with a massive out-of-pocket bill. When I tried to appeal the partial payment, I was told I couldn’t appeal because the claim was “approved” for $5,000. I feel completely misled and scammed by how this was handled. They are scammers, I do not recommend this company.

5 August 2026
Unprompted review
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Drea. We are deeply sorry to hear about your recent loss. Our thoughts are with you during this difficult time. We understand your frustrations regarding your experience with MetLife Pet Insurance. Please email us directly, with your contact information, at pet_feedback@metlife.com and a team member will reach out to you directly. Thank you.

Rated 5 out of 5 stars

Easy to use

Easy to use, great options!

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

I've had MetLife Pet Insurance with a…

I've had MetLife Pet Insurance with a previous pet (Milo) who passed away on June 12, 2026. I'm grateful that I had MetLife Pet Insurance.

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Barbara. We are deeply sorry about your recent loss. Our thoughts are with you during this difficult time. Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Stephen! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 4 out of 5 stars

The claim experience has definitely…

The claim experience has definitely gotten better and faster. MetLife does a great job with reviewing the claim in a timely manner and reaching out if anything is missing.

3 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

A few hiccups but once everything…

A few hiccups but once everything verified has been very easy to submit claims.

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Fast processing

Fast processing, a LOT faster than before actually so thank you for making the change!

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Quick and simple claim process

Quick and simple claim process

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hi Larry! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

The customer service reps are always…

The customer service reps are always really wonderful and helpful and the insurance policies offered are excellent in comparison to other companies. I've never had a single issue on the few years I've had my policy.

27 July 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Relief

One word: Relief. Thanks you for such an easy process.

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hi Geoffrey! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 1 out of 5 stars

Im just so disappointed in this…

Im just so disappointed in this insurance but now i have to stay locked in as there would be to many pre-existing conditions to switch to another company. Next dog I will move to another pet insur company. Do your research and reviews first!

21 October 2025
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Alisha. We are sorry to hear of your frustration regarding your experience with MetLife Pet Insurance. We would like to speak with you further regarding your experience. Please email us directly, with your contact information, at pet_feedback@metlife.com and a team member will reach out to you directly. Thank you.

Rated 5 out of 5 stars

MetLife has been wonderful

MetLife has been wonderful! They make filing a claim and getting the money back so easy! So happy we have MetLife for our cats!

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Tina! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Great easy application

It was very easy to get my pets insured

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Stephen! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Family Plan

Easy and fast! Reassuring to know both my dogs will be covered in case of an emergency or unexpected illness.

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hi! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Very easy to use

Very easy to use, simple process. Love it

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Samira! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Easy to use website

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello Corey! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

Rated 5 out of 5 stars

Enrollment

The enrollment process was painless and I now have the reassurance that should anything happen unexpectedly, we are prepared! Thank you, Metlife!

6 August 2026
MetLife Pet Insurance logo

Reply from MetLife Pet Insurance

Hello, Marla! Thank you for taking the time to leave a review of your experience with MetLife Pet Insurance. We appreciate your feedback and are sure other policyholders and those considering pet insurance will find it helpful.

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