MetLife Pet Insurance review

MetLife Pet is the strongest pick for households with several animals and for people who can enroll through work. It sells one accident and illness plan and lets you tune it with a reimbursement rate of 50%, 70%, 80% or 90%, an annual benefit limit and a deductible anywhere from $0 to $750 in $50 steps, or $1,000 to $2,500 for a lower premium. If you do not receive a claim reimbursement in a policy year, the deductible drops by $50. Plans start at $7 a month for cats and $16 for dogs, and the example plans on its site run from $12 to $52 a month depending on limit and deductible. The Family Plan puts several pets on one policy, and employer enrollment can bring discounts. Exam fees for accidents and illnesses are covered, and MetLife says claims are typically processed within 5 days. Routine wellness needs the Preventive Care add-on.

Who it is for

multi-pet households and employer plans

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 12, 2026.

Key features

• One accident and illness plan with reimbursement of 50%, 70%, 80% or 90%
• Deductibles from $0 to $750 in $50 steps, plus $1,000 to $2,500
• Deductible drops by $50 each policy year without a claim reimbursement
• Family Plan covers multiple pets on one policy
• Exam fees covered for accidents and illnesses; claims typically processed within 5 days

Strengths and weaknesses

• Strength: Cheapest published accident and illness price on this list at $7 a month for cats
• Strength: Widest deductible range we found, starting at $0
• Strength: Pets cannot age out of accident and illness coverage
• Weakness: The cheapest example plans carry a $2,000 annual benefit
• Weakness: Preventive Care is a paid add-on
• Weakness: Diminishing deductible is not offered everywhere and restrictions apply

Key facts

• Starting price: $7/mo cats, $16/mo dogs
• Reimbursement: 50%, 70%, 80% or 90%
• Deductible: $0 to $2,500
• Claims: Typically processed within 5 days

Where it ranks

MetLife Pet Insurance is No. 5 in our Best Pet Insurance verdict.