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MetLife Pet Insurance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

MetLife Pet Insurance suits US pet owners who want a named insurer behind the policy and flexible cover amounts, and it offers monthly plans from $7. The trade-off is a wide excess range of $0 to $2,500 and a single pet focus rather than a broad household policy.

Key facts

Best for
Pet owners in the US who want monthly cover with a choice of limits.
Premium from
$7↗
Insurance types
Pet↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
$0 to $2,500↗
Cover limit
USD 500 - 25,000 per policy year, or unlimited↗
Claims channels
Mobile-app, Online-portal, Email, Mail, Text-message, Fax↗
Age range
All ages; coverage options may be limited for certain ages↗
Legal entity
MetLife Pet Insurance Solutions LLC↗
Headquarters
United States↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Monthly
Official website
metlifepetinsurance.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Cover limits of USD 500 - 25,000 per policy year, or unlimited let you size the policy to the treatment you expect
  • The excess runs $0 to $2,500, which includes plans where nothing is left to pay
  • Claims can be filed through mobile app, online portal and email
  • It is an insurer rather than a broker, MetLife Pet Insurance Solutions LLC, based in the United States

Cons

  • Excesses on offer run $0 to $2,500, so a cheap policy can leave a large share of the bill with you
  • Pet is the only type in pet, so no home, car or life cover is bundled
  • Payment runs on a monthly model, so monthly gives no annual premium option

Ready to try MetLife Pet Insurance?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Pet owners who want the policy written by the insurer rather than a broker
  • Owners of older pets, since All ages; coverage options may be limited for certain ages covers all ages
  • Anyone who prefers monthly payments, as plans run on a monthly model

Who should look elsewhere

  • Buyers who want the lowest starting figure, since bunq lists €0 and bunq Spain lists €0
  • Owners who need life cover rather than pet cover, a line Linxea serves from €25
  • Shoppers outside the US market, as the insurer is based in the United States

How MetLife Pet Insurance compares

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

Can I pay monthly instead of upfront?+

Yes. Plans run on a monthly model, monthly, so premiums are collected month by month rather than in a single annual sum. That spreads a policy year across the months and keeps a large veterinary bill easier to plan for.

How much does a claim pay out?+

Cover limits are USD 500 - 25,000 per policy year, or unlimited, so you choose how much the policy pays per policy year. Vet bills that exceed the chosen limit stay with you, which makes the limit worth checking against likely treatment costs.

Is the excess high?+

Excesses run $0 to $2,500 depending on the plan, and the cheaper monthly tiers tend to sit at the higher end of that range. Choosing a lower excess means a smaller share of each claim comes back to you, so the two costs trade against each other.

Who is behind the policy?+

The cover is written by an insurer, MetLife Pet Insurance Solutions LLC, which is licensed in Rhode Island as Metropolitan General Insurance Company. You deal with the insurer itself rather than a broker, and the policy is a US product.

How do I make a claim?+

Claims run through mobile app, online portal and email, so you are not tied to a single route. The mobile app and online portal suit most bill submissions, and email, mail, text message and fax stay available when a paper trail is needed.

How do I contact support?+

Support runs on phone, chat and email, so phone and chat handle urgent questions while the help centre and email take claim detail and paperwork. The insurer sits in the United States, so the team you reach works to US business hours.

Does it cover older pets?+

Pets of all ages can be covered, though All ages; coverage options may be limited for certain ages notes that options can be limited at certain ages. Check the quote for your pet's age before you compare plans.

Does it cover anything besides the pet?+

No. Pet is the only type listed in pet, so a home, car or life policy has to come from a different provider. The insurer is based in the United States, which also narrows the market where you can buy this cover.

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.

MetLife Pet Insurance

Pet owners in the US who want monthly cover with a choice of limits.

9.4/10See alternatives