The fastest vet connection
Pros
- No max. age limit
- Offers accident coverage within 24 hours
- Claims paid mostly within 10 days
Cons
- Not much information available on website
- Policies vary based on underwriter
- Time consuming claims process
About Metlife Insurance
MetLife Pet Insurance provides all-inclusive pet insurance coverage that encompasses illnesses, accidents, examinations, and alternative therapies as a standard component of its package. The policy covers all breeds of cats and dogs, with no age limits. MetLife’s accident coverage and wellness plan commence at midnight on the policy’s start date, ensuring immediate coverage.
Claims processing is speedy, with 80% of all claims settled within ten days. Our customers can expect prompt and hassle-free claims payments.
Services Covered by Metlife
MetLife Pet Insurance offers a comprehensive pet insurance policy that covers a range of illnesses and accidental injuries, such as:
• Congenital and Hereditary conditions
• Chronic health conditions
• Examination fees
• Surgical procedures
• Medication
• Ultrasounds
• Hospitalization
• X-rays
• Hip dysplasia
• Holistic care and alternative therapies.
Additionally, policyholders can add wellness coverage to their policy, which includes routine check-ups, dental treatment, and vaccinations.
Plans and Pricing
MetLife offers competitive pricing in comparison to other pet insurance providers, and its rates are determined based on various factors, such as the type, breed, age, and location of the pet. In August 2022, I procured quotes for a two-year-old Labrador and an eight-year-old mixed-breed cat residing in Colorado Springs. The quotes included an annual limit of $5,000, 80% reimbursement, and a $250 annual deductible.
For the Labrador, the standard coverage was priced at $38.20 per month, while the inclusion of wellness coverage brought the monthly cost up to $65.59. As for the cat, the standard plan came in at $36.58 per month, with an additional $12.48 for wellness coverage.
MetLife Pet Insurance offers family packages that cover multiple pets, allowing pet owners to save money. By insuring both my dog and cat together, I could obtain coverage at a discounted rate of $60.24 for the standard plan, or $100.11 for the plan including wellness coverage, resulting in a savings of $14.51 per month.
Furthermore, MetLife offers a range of other discounts to its policyholders. For instance, animal care workers and military personnel are eligible for a 10% discount on their premiums. Additionally, customers who purchase their policies online can benefit from a $1 monthly discount.
Waiting Periods
The policy provides immediate coverage for accidents without any waiting period from midnight on the date of inception. Furthermore, the selected wellness coverage also takes effect immediately. However, for all other coverage, such as illnesses, a waiting period of fourteen days is applicable.
Coverage Limits
MetLife Pet Insurance is supported by two underwriters, namely Independence American Insurance Company (IAIC) and Metropolitan General Insurance Company (MetGen). The underwriting company for your pet insurance policy will be determined by your state of residence.
Coverage limits for your policy may vary from $500 to unlimited, contingent upon your geographical location, type of pet, and the underwriting company, either IAIC or MetGen.
Reimbursements and Deductibles
The reimbursement rates and deductibles for your policy are subject to variation depending on your geographical location, pet details, and the underwriting company, either IAIC or MetGen.
The policy offers a choice of reimbursement options, which include 70%, 80%, 90%, and 100%. The deductible amounts range from $50 to $500.
During August 2022, a quotation was requested for a two-year-old Labrador, which yielded the following options:
Deductible
– $50
– $100
– $250
– $500
Coverage Limit for an year
– $2000
– $5000
– $10,000
Reimbursement Level
– 70%
– 80%
– 90%
Users can choose any combination of the deductible amount, coverage limit and the reimbursement level offered.
Claims and Services
MetLife Pet Insurance provides coverage for all licensed veterinarians across the United States of America. You may submit your claim form using various methods, such as through the mobile application, online portal, email, fax, or postal mail. The customer is responsible for paying veterinary bills upfront and is subsequently reimbursed by the insurance provider. Direct payment to veterinary practices is not available through this insurance policy. The majority of claims are typically processed and paid within ten days.
For any queries or assistance, our customer support team is available to assist you through webchat, email, or telephone. Our customer service hours are from Monday to Friday, 8:00 am to 9:00 pm EST, and Saturdays, 10:00 am to 7:00 pm EST.
MetLife Pet Insurance offers comprehensive coverage for all breeds of cats and dogs, including those that are commonly considered difficult-to-insure, such as rottweilers and Shar Peis. Furthermore, unlike many of our competitors, we do not impose a maximum age limit on the pets we insure.
Our insurance policy provides coverage for accidents and wellness starting from midnight on the policy start date. Therefore, if your pet experiences an accident within 24 hours of the policy commencement date, the incurred expenses will be fully covered by the policy.
Conclusion
MetLife Pet Insurance presents a diverse array of coverage options that extend to difficult-to-insure dog breeds, making it an attractive choice for pet owners seeking comprehensive coverage. The insurance provider does not impose any age limits on pets and offers immediate coverage for both accidents and wellness care. In addition, MetLife Pet Insurance offers an extensive selection of discounts, appealing to a wide variety of pet owners seeking insurance options.
