Underwritten by Metropolitan General Insurance Company · Updated 2026-11-09
Excellent
How we scoreThe key terms of a MetLife plan. Tap the source under any item to see the exact wording, or read the full MetLife sample policy.
Accident waiting period
0 days
“MetLife Pet policies have a 0-day waiting period on accidents and optional Preventive Care benefits”
Open document, web pageretrieved 2026-11-09
Illness waiting period
14 days
“There is a Waiting Period for Illness as follows: Remi - 14 days.”
Open document, page 3retrieved 2026-11-09
Knee & hip (orthopedic) wait
No separate orthopedic waiting period
“Unlike many providers, MetLife Pet doesn't have a separate waiting period for orthopedic conditions.”
Open document, web pageretrieved 2026-11-09
Pre-existing conditions
Excluded. The 2021 sample policy we read has no cured-condition clause; MetLife's website says curable conditions are typically covered.
“We don't cover any charges incurred for a Pre-Existing Condition.”
Open document, page 7retrieved 2026-11-09
Dental illness
Dental disease is not named as its own benefit; covered under general illness. The sample lists 'emergency dental Treatment' only as an example and has no dental exclusion or sub-limit
“Prescribed or performed by a Veterinary Provider, such as surgery, hospitalization, outpatient Treatments, physical therapy, and emergency dental Treatment.”
Open document, page 4retrieved 2026-11-09
Deductible
Annual (once per policy period); reduces by $50 per claim-free year down to $0
“We apply the Deductible only once per Policy Period.”
Open document, page 6retrieved 2026-11-09
Annual limit options
$500-$25,000 or unlimited
“Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available.”
Open document, web pageretrieved 2026-11-09
Maximum enrollment age
No upper age limit
“We have no upper age restrictions and no breed exclusions”
Open document, web pageretrieved 2026-11-09
MetLife Pet Insurance
Pre-existing conditionsThe website says
“Curable pre-existing conditions — like ear infections, vomiting, or broken bones — can typically be covered by MetLife Pet as long as the incident that occurred after enrollment is unrelated”
MetLife Pet Insurance websiteWhy it matters: MetLife's FAQ says curable pre-existing conditions can 'typically' be covered, with no symptom-free period; the sample policy has no cured-condition clause. A human must confirm the current form.
What customers say
“Once we submitted the claim we were issue payment quickly with no hassles or back and forth”
Trustpilot reviewer · Trustpilot review
“I am deeply grateful for the ins. I have with MetLife for they have stood by their name in providing outstanding services and quick claim payments.”
Sue C. · Trustpilot review
In the policy document we read: accidents, 0 days; illness, 14 days; knee and hip conditions, No separate orthopedic waiting period. Waiting periods can differ by state.
Excluded. The 2021 sample policy we read has no cured-condition clause; MetLife's website says curable conditions are typically covered. (from the MetLife policy document).
Dental disease is not named as its own benefit; covered under general illness. The sample lists 'emergency dental Treatment' only as an example and has no dental exclusion or sub-limit (from the MetLife policy document).
No upper age limit. This comes from the MetLife website; the policy document leaves it to the declarations page.
This page reads a sample MetLife policy. Terms vary by state and change over time. It is not insurance advice, and we are not an insurance agent. No insurer pays us today.