Last Updated on: September 9th, 2025
Reviewed by Kyle Wilson
For many families, pets are more than companions—they’re cherished members of the household. With veterinary care costs rising each year, even a routine emergency can quickly lead to overwhelming bills. According to the American Pet Products Association, pet owners in the U.S. spend over $30 billion annually on veterinary care. Without protection, these expenses can create financial stress during already emotional times.
That’s where pet insurance comes in. One of the biggest names in the market today is MetLife Pet Insurance, offering a range of flexible plans designed to cover everything from accidents and illnesses to end-of-life care. But is it really the best choice for your dog or cat?
This article will give you a complete breakdown of MetLife Pet Insurance, including:
By the end, you’ll have all the information needed to decide whether MetLife life insurance for pets is right for you.
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MetLife, a trusted brand in life insurance for humans, has expanded its services into the pet insurance market. Unlike traditional life insurance policies for pets—which sometimes refer to a payout when a pet passes away—MetLife Pet Insurance is structured like health insurance. It reimburses you for veterinary expenses related to accidents, illnesses, wellness care, and in some cases, end-of-life coverage.
Key highlights:
This distinction is important: when people search for pet life insurance policy, they often mean comprehensive pet health insurance with life cover benefits—which is exactly what MetLife offers.
Like most insurance, MetLife operates on a reimbursement model. You pay your vet bill upfront, submit the claim, and get reimbursed based on your chosen plan.
MetLife also offers “covered for life pet insurance”, meaning your pet remains insured for chronic illnesses and conditions diagnosed while covered, as long as you keep the policy active.
MetLife provides broad coverage that competes well against other providers.
MetLife stands out for its flexibility and whole life pet insurance coverage—making it one of the best pet life insurance policies available.
One of the biggest questions pet owners ask is: “How much is MetLife Pet Insurance per month?”
For example, a 3-year-old Labrador retriever might cost $38/month, while a 2-year-old domestic shorthair cat could be $18/month.
Compared to competitors:
Customer reviews are one of the best ways to evaluate any insurance product.
On sites like Trustpilot and ConsumerAffairs, MetLife holds a solid rating, though not perfect. Overall, it ranks among the best life insurance for pets providers, especially for families with multiple pets.
The answer depends on your needs.
For most pet owners, MetLife provides the best value-to-coverage ratio, especially if you’re seeking life insurance for dogs or cats with long-term protection.
MetLife has built a strong reputation in the pet insurance industry, combining flexible policies with reliable coverage for both cats and dogs. It stands out for its life-long pet insurance options, optional wellness care, and end-of-life benefits.
While premiums can increase with age, the coverage breadth and peace of mind offered make MetLife an excellent choice for many pet owners.
If you’re searching for the best life insurance for pets that balances cost, coverage, and trust, MetLife Pet Insurance deserves serious consideration.
Most policies range from $15 to $45 per month, depending on the pet’s age, breed, and coverage options.
MetLife is highly rated, but other providers like Healthy Paws or Nationwide may be better for unique needs such as exotic pets or unlimited coverage.
Yes. Most claims are processed within 10–14 days, and many customers report smooth reimbursement experiences.
Yes. Depending on your plan, euthanasia, cremation, and burial costs can be reimbursed.
While traditional death benefits are rare in pet insurance, MetLife does provide end-of-life financial assistance as part of its comprehensive plans.
Senior Writer & Licensed Life Insurance Agent
Iqra is a dynamic and insightful senior writer with a passion for life insurance and financial planning. With over 8 years of hands-on experience in the insurance industry, Iqra has earned a reputation for delivering clear, actionable advice that empowers individuals to make informed decisions about their financial future. At Burial Senior Insurance, she not only excels as a licensed insurance agent but also as a trusted guide who has successfully advised over +1500 clients, helping them navigate the often complex world of life insurance and annuities. Her articles have been featured in top-tier financial publications, making her a respected voice in the industry.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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