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Securing affordable health insurance coverage for pets is important for pet owners as veterinary care costs continue to rise, making paying unexpected bills unmanageable for some households. Pet insurance offers security and peace of mind for pet owners, who won’t have to pay out-of-pocket for the full cost of veterinary care if something happens to a beloved pet’s health.
MetLife is one company that offers comprehensive pet insurance policies to qualified pets, with a variety of coverage options and price points to meet the unique needs of pet owners. This MetLife review will cover the benefits and the drawbacks associated with this pet insurance provider.
In this review:
- Benefits of MetLife Pet Insurance
- Downsides of MetLife Pet Insurance
- What Does MetLife Pet Insurance Cover?
- How Much Does MetLife Pet Insurance Cost?
- Where Is MetLife Pet Insurance Available?
- MetLife Pet Insurance Customer Service
MetLife dates back to 1868 and is one of the largest providers of insurance benefits to both individuals and employers in the United States. The insurance company provides a comprehensive array of products for consumers, including life insurance, annuities, and disability insurance.
MetLife has also partnered with Nationwide to offer pet insurance plans. Pet health insurance is available to individuals who are offered coverage through employer benefit plans. The company stands out among other pet insurers, as it offers extensive flexibility in which veterinary pet insurance plan pet owners can choose to get their furry family members covered.
Compare MetLife to the Top Pet Insurance Providers
Alternatives to MetLife Pet Insurance
- Coverage for accidents, illnesses, hereditary & congenital conditions
- Up to 90% reimbursement of covered costs
- Freedom to visit any vet, including specialists
- Cover up to 90% of your pet’s unexpected veterinary costs
- 24/7 veterinary support line for all customers
- No annual or lifetime limits
- Healthy Pet Deductible reduces annual deductible $50 you don’t receive a claim payment
- Wellness rewards for routine care
- Coverage for exam fees
Benefits of MetLife Pet Insurance
There are many advantages to choosing MetLife pet insurance, including:
- Multiple plan options to choose from
- No in-network veterinarian limitations (take your pet to any licensed vet in North America)
- Coverage for chronic conditions
- Optional CareGuard can be added to any plan (no-deductible protection and reimbursement for preventative care)
- Free 24/7 access to vetHelpline ($150 value)
With a choice of different insurance plans, you have flexibility in deciding what kind of coverage your animal needs. You can pick between paying lower premiums for less comprehensive coverage or a higher monthly cost for more protection.
The claims process is easy, as you simply visit any licensed vet and then send in your claim to get reimbursed. And if you need over-the-phone assistance, you can contact vetHelpline to get timely, 24/7 access to veterinarians who will provide you with the information you’re looking for.
Downsides of MetLife Pet Insurance
There are also some downsides to MetLife pet insurance you’ll want to consider.
First and foremost, some plans have low coverage limits. For example, the Pet Wellness Plan plus everyday care provides only $60 in coverage for physical exams. The plan allows for two exams in each policy term, so you get just $30 reimbursed per exam — and many vets charge much more. There’s also a $500 maximum annual benefit, which doesn’t go very far if your pet needs doctor visits regularly.
The Major Medical Plan also has a $250 deductible, which means pet owners can end up having to pay quite a bit out-of-pocket before their insurance coverage starts paying for services for their beloved animal. There are also limits on pre-existing conditions either known or unknown at the time an application is submitted.
Nationwide, which actually administers the pet insurance plan for MetLife, has had some customer service issues in the past. The company has a 1/5 rating with Consumer Affairs, with customers alleging they have consistently had vet bill claims denied that should have been covered.
What Does MetLife Pet Insurance Cover?
MetLife advertises “nose to tail” coverage and indicates hundreds of conditions are covered, including:
- Ear infections
- Skin rashes
- Kidney infections
- Bladder infections
The specific coverage available will vary by policy. For example, the Pet Wellness Plan plus everyday care includes the following types of coverage reimbursement:
- $60 annually for physical exams (two physical exams per year are covered, with each exam capped at $30)
- $30 for behavior exams or treatment
- $75 for vaccinations or titer tests
- $35 for heartworm or FeLV/FIV tests
- $25 for a fecal test
- $25 for deworming
- $20 for a nail trim
- $40 for microchipping
- $40 for the completion of a pet health certificate
- $75 for flea or heartworm preventative
- $75 for one additional test for each policy term
Other plans cover accidents, poisonings, broken bones, cuts, common illnesses, serious or chronic conditions, hereditary conditions, and diagnostic services.
How Much Does MetLife Pet Insurance Cost?
The cost of MetLife pet insurance plans will vary depending on which health care policy you select, the age of your pet, the type of pet you have, and other variables, including where you live. However, you can get a general idea of what different plans may cost you by looking at the starting rates from this pet insurance company:
- The Major Medical Plan packaged with the Pet Wellness Plan plus everyday care starts at $22 per paycheck.
- The Major Medical Plan starts at $13 per paycheck.
- The Pet Wellness Plan plus everyday care starts at $10 per paycheck.
You can obtain a more accurate coverage quote online but in general, the more comprehensive your coverage, the higher your premiums will be.
Where Is MetLife Pet Insurance Available?
MetLife pet insurance plans offered through Nationwide are available throughout the country. However, to get your pet insurance administered by MetLife, you must be eligible for coverage as an employee benefit.
If you have access to MetLife pet insurance through an employer plan, you can visit MetLife Benefits and choose pet insurance to enroll. You can also contact 1-800-GET-MET8 to learn more about signing up for coverage and to get the process started.
It is also possible to enroll in Nationwide pet insurance directly if you cannot get pet care insurance through an employer-plan offered by MetLife.
MetLife Pet Insurance Customer Service
MetLife recommends talking with your company’s benefits administrator to get help choosing a MetLife pet insurance plan during open enrollment. You can also contact MetLife at 1-800-METLIFE. However, MetLife’s online contact page does not include a separate customer service number for pet insurance questions.
Since Nationwide administers your pet insurance plan obtained through MetLife, you should also be aware that Nationwide’s customer service has received poor ratings from Consumer Affairs. However, Nationwide is a BBB accredited business with an A+ rating, so reviews are mixed on the insurer when it comes to customer service issues.
If you have MetLife Pet Insurance available through an employer, you can find an affordable policy that provides nose-to-tail coverage. It is up to you whether you want your policy to cover only accidents and illnesses or if you also want to include coverage for routine care. Be sure to shop around carefully to find the best pet insurance policy for your situation.4.54 MetLife Pet Insurance