When it comes to protecting your furry family members, MetLife Pet Insurance brings the weight of one of the most recognized names in the insurance industry to the table. Backed by more than 150 years of experience, MetLife offers flexible, comprehensive coverage for dogs, cats, and even select exotic pets. But is it the right choice for you? In this detailed guide, we’ll cover everything from coverage and waiting periods to login access, the customer service phone number, real reviews, and how to cancel if you need to. Let’s dive in.
What Is MetLife Pet Insurance?
Pet insurance from MetLife is an accident and illness policy designed to reimburse you for covered veterinary expenses after your pet gets sick or injured. MetLife entered the pet insurance space by acquiring PetFirst, an established provider, in 2020, and rebranded it as MetLife Pet. Headquartered in Jeffersonville, Indiana, the company leverages MetLife’s massive financial backing (it’s a Fortune 100 company) to offer reliable, trusted coverage.
What sets MetLife Pet Insurance apart? It covers pets of all ages and breeds with no upper age limits, offers a unique multi-pet Family Plan on a single policy, and features some of the shortest waiting periods in the industry.
MetLife Pet Insurance Login: How to Access Your Account
Managing your policy is quick and simple through the MyPets online portal. To complete your MetLife Pet Insurance login:
- Go to MyPets.MetLife.com
- Enter your email and password to sign in to your account
- Once logged in, you can file and track claims, download claim forms, update your details, and manage your policy
If you’re a new customer setting up your account for the first time, you’ll register using the email tied to your policy. Whether you prefer to sign in through the web portal or the MetLife Pet mobile app, everything you need is in one place. Forgot your password? Just use the reset link on the login page to regain access in seconds.
MetLife Pet Insurance Coverage: What’s Actually Included
MetLife Pet Insurance coverage is comprehensive and highly customizable. In fact, reviewers have noted MetLife covers more treatments than many competitors. Here’s what a typical policy includes:
- Accidents and injuries like broken bones, swallowed objects, and ACL/CCL tears
- Illnesses including cancer, diabetes, allergies, and infections
- Hereditary and congenital conditions like hip dysplasia and IVDD
- Chronic conditions and ongoing treatments
- Diagnostic tests, surgeries, hospitalization, and specialist visits
- Preventive/wellness care (available as an add-on in some plans)
- Exotic pet coverage in select states
Customizable Plan Options
MetLife lets you tailor your policy to fit your budget:
- Annual Deductible: $50, $100, $250, $500, or $2,500
- Reimbursement Rate: 50%, 70%, 80%, or 90%
- Annual Coverage Limit: $2,000, $5,000, $10,000, or unlimited options in some plans
Standout Features
A few perks make MetLife especially attractive:
- Family Plan: Cover multiple pets under a single policy with a shared deductible, ideal for multi-pet households
- Rollover benefit: Unused coverage can roll over to the next policy year in some plans
- No breed restrictions or upper age limits
- Employer/group discounts: Many employees can access MetLife Pet as a workplace benefit at a discounted rate
MetLife Pet Insurance Waiting Period: How Long Until Coverage Starts?
One of MetLife’s biggest selling points is its short waiting period. Here’s how it breaks down:
- Accidents: As little as 1 day (coverage can start as soon as midnight the day after you enroll)
- Illnesses: 14 days
- Orthopedic conditions (like hip dysplasia, luxating patella, and IVDD): typically included within the standard illness waiting period, with no separate extended wait in many cases
Compared to many competitors that impose 6-month orthopedic waiting periods, MetLife’s approach gets your pet protected faster. This is a genuine advantage if you want coverage that kicks in almost immediately.
How Much Does MetLife Pet Insurance Cost?
Pricing varies based on your pet’s age, breed, location, and the coverage levels you choose. Based on recent data:
- Dogs: Starting around $15/month, with averages near $53–$57/month
- Cats: Starting around $9/month, with averages near $24–$36/month
- One-time enrollment fee: Around $12
If your employer offers MetLife Pet as a group benefit, you may qualify for additional discounts, making it one of the more affordable options for eligible pet parents.
MetLife Pet Insurance Reviews: What Do Customers Say?
So what’s the real verdict? Here’s an honest look at MetLife Pet Insurance reviews from trusted third-party sources:
- NerdWallet: Rated MetLife a strong 5.0 in its 2026 review, praising unique features and flexible coverage
- MoneyGeek: Scored MetLife 4.29 out of 5, ranking it 7th overall thanks to excellent service, cost-saving opportunities, and short waiting periods
- Pawlicy Advisor: 4.2 out of 5 across more than 2,300 consumer reviews
- Money Atlas: 4.5 out of 5 stars, highlighting the 0-day accident waiting period and multi-pet Family Plan
The pros that come up repeatedly in a typical MetLife Pet Insurance review:
- Broad coverage that includes more treatments than most competitors
- Fast claims processing (most claims handled within 5 to 10 days)
- Short waiting periods
- Multi-pet and employer discount options
The cons:
- No accident-only plan option
- Claims occasionally require more documentation than competitors
- Pricing can vary widely by breed and location
MetLife Pet Insurance Phone Number and Customer Service
Need to reach a human? Here’s how to get in touch with MetLife Pet Insurance customer service:
- Customer Service Phone Number: (855) 270-7387: available Monday–Friday, 8 a.m.–9 p.m. EST, and Saturday–Sunday, 10 a.m.–7 p.m. EST
- General FAQs line: (888) 904-0359
- Policy underwriting line: 866-937-7387
- Email: pet_info@metlife.com
- Fax: (877) 281-3348
- Mailing address: MetLife Pet Insurance, 400 Missouri Avenue, Suite 105, Jeffersonville, IN 47130
- 24/7 online chat is also available on their website
MetLife’s customer service consistently earns high marks in reviews, so if you have questions about a claim or policy, help is easy to reach.
How to File a Claim With MetLife Pet Insurance
Filing a claim is straightforward. Submit the required documents within 90 days of the invoice date through your MyPets account, the mobile app, email, fax, or mail. If it’s your first claim, MetLife requires the last 12 months of your pet’s veterinary records. Most claims are processed within 5 to 10 days, and reimbursement comes via check or direct deposit.
How to Cancel MetLife Pet Insurance
If MetLife isn’t the right fit, here’s how to cancel MetLife Pet Insurance cleanly:
To cancel MetLife Pet Insurance, call customer service at (855) 270-7387. You can also reach out via email or through your MyPets account to request cancellation.
A few things to keep in mind before you cancel:
- 30-Day Free Look period: If you cancel within the first 30 days and haven’t filed a claim, you’re typically eligible for a full refund of your premium.
- Pre-existing conditions: If you cancel and re-enroll later, any conditions diagnosed during your current policy will be treated as pre-existing.
- Timing: Cancel before your next billing cycle to avoid being charged for another month.
Is MetLife Pet Insurance Good? Our Honest Verdict
So, is MetLife Pet Insurance good? For most pet parents, the answer is a solid yes. Here’s the bottom line:
Choose MetLife Pet Insurance if you want:
- Comprehensive coverage with no breed restrictions or age limits
- Short waiting periods (as little as 1 day for accidents)
- A multi-pet Family Plan with a shared deductible
- The financial stability of a Fortune 100 company
- Access to employer/group discounts
Look elsewhere if:
- You specifically want an accident-only plan (MetLife doesn’t offer one)
- You prefer minimal claim documentation
With strong third-party ratings, flexible coverage, fast claims, and industry-leading waiting periods, pet insurance from MetLife earns its reputation as a trustworthy, well-rounded choice, especially for multi-pet households and employees with access to workplace discounts.
Final Thoughts
MetLife Pet Insurance combines the reliability of a legacy insurance brand with modern, flexible pet coverage that adapts to your needs. From an easy login and responsive customer service to broad coverage, short waiting periods, and a simple cancellation process, MetLife makes protecting your pet refreshingly straightforward. Get a personalized quote to see exactly what coverage would cost for your furry family member, and give them the protection they deserve.