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Best Maximum Coverage: MetLife
We compared the best pet insurance plans available. Here's why MetLife Pet Insurance is our #1 pick.
Same-day accident coverage, up to 90% back on vet bills, no breed or age limits, and one shared plan for up to 3 pets.*
Free to Compare
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No Obligation
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Trusted by Millions
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Updated Jun 1, 2026
Free to Compare
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No Obligation
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Trusted by Millions
Average out-of-pocket cost for a common emergency — and what's left after MetLife reimburses up to 90%.
🦴
Broken bone (X-ray + repair)
$2,000–$4,000$300
MetLife can pay ~$2,700
🚑
Emergency surgery
$3,000–$7,000$500
MetLife can pay ~$4,500
🎗️
Cancer treatment (course)
$5,000–$10,000$700
MetLife can pay ~$6,800
🍫
Foreign-body / poison ingestion
$1,500–$3,500$250
MetLife can pay ~$2,300
🦷
Dental extraction + cleaning
$1,000–$2,500$200
MetLife can pay ~$1,500
🩺
Chronic illness (annual)
$2,500–$5,000$400
MetLife can pay ~$3,300/yr
Coverage in 3 simple steps
How a MetLife claim actually pays out
Sample Claim Summary*
Emergency Vet Visit · Sunday
Plan:
MetLife · 90% reimbursement · $250 deductible
Pet:
Luna · 4-yr Goldendoodle
Exam + diagnostics$ 420.00
X-rays (2 views)$ 380.00
Surgery + anesthesia$ 1,950.00
Overnight monitoring$ 425.00
Meds + take-home$ 175.00
Total vet bill$3,350.00
MetLife reimbursed$2,790.00
1
Visit any vet
Take your pet to any licensed vet in the U.S.
No in-network restriction. Use your regular vet, an ER, or a specialist — your choice.
2
Submit your claim
Snap the invoice — claim filed
Upload the vet bill in the MetLife Pet portal or app. Most claims are processed within days, not weeks.
3
Direct-deposit reimbursement
Up to 90% back — paid straight to your bank
MetLife reimburses up to 90% of eligible costs by direct deposit, with no lifetime or per-incident limits to hit first.
Don't wait for the bill before you start coverage.
1 in 3 pets needs unexpected vet care every year. Pre-existing conditions aren't covered, so locking in MetLife before the next accident or illness is what makes the difference between $300 and $3,000 out-of-pocket.
Free quote in under 2 minutes. No payment info required.
Editorial Review
Why MetLife is our maximum-coverage pick
A closer look at our #1 pick — coverage, reimbursement, and what sets MetLife apart for serious medical events.
1
★★★★★★★★★★5.0 / 5
At a Glance
ReimbursementUp to 90%
Annual limitsNo cap option
Waiting periodNone on accidents*
Quote time~2 minutes
Per-incident limitsNone
Vet networkAny U.S. vet
Coverage Overview
MetLife Pet Insurance covers accidents, emergencies, illnesses, hereditary and congenital conditions, behavioral issues, dental illness, prescription medications, hospitalization, and advanced treatments like surgery, chemotherapy, and physical therapy. There are no lifetime or per-incident limits and no waiting period on accidents or preventive care*, so coverage starts working when you need it. You can use any licensed vet, specialist, or emergency hospital in the U.S. — MetLife reimburses you, not the network.
What Sets MetLife Apart
Named 2025 Pet Insurance of the Year¹, MetLife pairs a comprehensive accident-and-illness plan with optional preventive-care add-ons for routine exams, vaccines, and annual screenings. Customize your annual limit, deductible, and reimbursement rate (up to 90%) to fit your budget. Multi-pet households can save with bundle discounts; existing MetLife customers can stack additional savings. Plans are underwritten by Metropolitan General Insurance Company.
Clear answers about coverage, claims, age and breed eligibility, and how MetLife Pet Insurance works.
Why is MetLife our pick for maximum coverage?
MetLife offers up to 90% cash back on eligible vet bills, has no lifetime or per-incident limits, and includes no waiting period on accidents or preventive care*. It was named 2025 Pet Insurance of the Year¹, and covers advanced treatments and therapies that more basic plans skip.
What does MetLife pet insurance actually cover?
MetLife covers accidents, emergencies, illnesses, hereditary and congenital conditions, behavioral issues, dental illness, prescription medications, diagnostics, hospitalization, and advanced care like surgery, chemotherapy, and physical therapy. Optional preventive add-ons cover routine vaccines, wellness exams, and annual screenings.
How fast does MetLife pay claims?
Most MetLife claims are processed within a few days of submission through the customer portal or mobile app. Approved reimbursements are paid by direct deposit to your bank account — typically in days, not weeks.
Are older pets and certain breeds covered?
Yes. MetLife writes policies across a wide range of ages and breeds, which makes it a strong option for senior dogs and cats. Pre-existing conditions are not covered (this is industry-standard), but curable pre-existing conditions can become eligible after a symptom-free waiting period.
How much does MetLife pet insurance cost?
Premiums depend on your pet's species, breed, age, and ZIP code, plus the annual limit, deductible, and reimbursement rate you choose. Most owners customize MetLife to fit a monthly budget — get a free quote in under 2 minutes to see your exact price.
Does MetLife let me use any vet?
Yes. MetLife reimburses you for eligible care at any licensed vet, specialist, or emergency hospital in the U.S. — there's no in-network restriction. You pay the vet, submit the claim, and MetLife reimburses up to 90% of the eligible amount via direct deposit.
Is MetLife Pet Insurance trusted by pet owners?
MetLife was named 2025 Pet Insurance of the Year¹ and is one of the most established names in insurance worldwide. Pet plans are underwritten by Metropolitan General Insurance Company — backed by the same parent that has covered millions of customers for decades.
How do I get a MetLife quote?
Click any 'Get a Free Quote' button on this page. You'll enter your pet's name, species, breed, and ZIP, and MetLife will return a price you can customize live (annual limit, deductible, reimbursement rate). No payment info required to see your quote.
