MetLife Pet Insurance
$20–$75/month
MetLife Review Summary
MetLife Pet Insurance evolved from PetFirst (founded 2004), which was acquired by MetLife in 2020. The MetLife brand brings institutional financial stability and broad distribution through employer benefits programs — making MetLife Pet Insurance one of the most widely available workplace benefits in the US. Their coverage is genuinely comprehensive: exam fees, dental illness, behavioral therapy, alternative therapies, and importantly, exotic pet coverage including birds, rabbits, ferrets, reptiles, and guinea pigs. The zero-day accident waiting period is rare in the industry — most competitors impose 2-15 day waits. For multi-species households or anyone enrolling through an employer, MetLife deserves serious consideration.
Pros & Cons
✅ Pros
- ✓No accident waiting period — coverage starts immediately
- ✓Covers exotic pets including birds, rabbits, ferrets, and reptiles
- ✓Backed by MetLife's institutional financial strength
- ✓Highly customizable deductibles ($0–$2,500)
- ✓Exam fees, dental illness, and behavioral therapy all covered
⚠️ Cons
- ✗Exotic pet coverage capped at $10,000/year
- ✗Not all plan options available in every state
- ✗Wellness add-on costs extra
- ✗Claims processing can take 10-15 days
Coverage Details
| Monthly Premium | $20–$75 |
| Annual Deductible | $0–$2,500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $1,000, $2,000, $5,000, $10,000, Unlimited |
| Accident Waiting Period | 0 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✓ Covered |
| Exam Fees | ✓ Covered |
| Behavioral Therapy | ✓ Covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✓ Covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ dental illness
- ✓ exam fees
- ✓ behavioral therapy
- ✓ alternative therapies
- ✓ exotic pets
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ elective procedures
- ✗ breeding costs
- ✗ grooming
Best For
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