MetLife Pet Insurance review

MetLife Pet gives you more dials to turn than any other insurer we checked. Its homepage states that plans start at $7 a month for cats and $16 a month for dogs. Reimbursement can be set at 50%, 70%, 80% or 90%, deductibles run from $0 to $2,500, and annual limits go from $500 to $25,000 or unlimited. A family plan puts up to three pets on one policy with a shared deductible, which can save owners of several cats or dogs from juggling separate policies. The deductible also drops by $50 for each policy year without a claim reimbursement. Accident cover begins at midnight after you enroll and illness cover after 14 days. MetLife says there are no upper age restrictions and no per-incident limits, and claims are typically processed within 5 days. An optional Preventive Care plan covers routine costs such as vaccines and teeth cleaning. Policies are issued by Metropolitan General Insurance Company.

Who it is for

Multi-pet households and owners who want the most control over deductible, limit and reimbursement.

Price

From $7 a month for cats and $16 a month for dogs.

MetLife Pet plans start at $7 per month for cats and $16 per month for dogs.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Reimbursement of 50%, 70%, 80% or 90%
• Deductibles from $0 to $2,500 and annual limits from $500 to $25,000 or unlimited
• Family plan for up to three pets on one policy with a shared deductible
• Deductible drops by $50 each policy year without a claim reimbursement
• Optional Preventive Care plan for vaccines, dental cleaning, spay and neuter, and parasite prevention

Strengths and weaknesses

• Strength: Cheapest published price for cat accident and illness cover here, from $7 a month
• Strength: Accident cover starts at midnight after enrollment
• Strength: No upper age limit and no per-incident limits
• Weakness: Illness cover starts 14 days after enrollment
• Weakness: Many plan options take time to compare
• Weakness: Some discounts and options vary by state

Key facts

• Starting price: Cats $7, dogs $16 a month
• Reimbursement: 50%, 70%, 80% or 90%
• Deductible: $0 to $2,500
• Annual limit: $500 to $25,000 or unlimited
• Claims: Typically processed within 5 days

Where it ranks

MetLife Pet Insurance is No. 2 in our Best Pet Insurance verdict.