MetLife pet insurance review 2025

Core Insights - MetLife pet insurance is recognized for its solid coverage and competitive pricing, particularly beneficial for households with multiple pets [1][19] - The Family Plan allows for shared annual limits among pets, providing flexibility in coverage allocation [1][24] Coverage and Benefits - MetLife offers a unique feature of carrying over unused coverage to the next year, with an automatic increase in annual limits for policies with at least $5,000 coverage [2][23] - The insurance covers a wide range of treatments, including alternative therapies, dental care, and end-of-life care [11][32] - There are no special waiting periods for certain conditions, such as cruciate ligament issues [7][41] - MetLife provides a 24/7 vet telehealth line for policyholders [14] Costs and Discounts - The average monthly premium for a $5,000 annual limit is $81.05, which is below the industry average of $86.78 [18] - A multi-pet discount of 5% is available, with total discounts capped at 30% for qualifying policies [19] - The Family Plan can lead to significant savings, with one scenario showing a 64% reduction in costs compared to separate policies [19] Claims and Processing - Claims must be submitted within 90 days of treatment, with most processed in about five days [26][27] - Reimbursement is sent directly to the policyholder, requiring upfront payment to the vet [20][25] Policy Management - MetLife's mobile app allows users to manage their policies, submit claims, and access vet support [28][31] - There are no cancellation fees, and policies can be canceled at any time with a full refund if done within the first 30 days [34][35]