MetLife Pet Insurance

MetLife’s base plan is one of the most inclusive on the market. These tables show what’s covered and what’s excluded, including several answers to specific questions people search for — heartworm, UTIs, heart murmurs.

The things people search for most about MetLife pet insurance — answered directly before the longer context below each one.

• 1
  How much is MetLife Pet Insurance monthly? Roughly $35–$90 per month for dogs and $20–$45 for cats, depending heavily on your pet’s breed, age, and your zip code. A younger mixed-breed dog in a mid-cost state typically runs $35–$55. A 6-year-old purebred in a high-cost state can exceed $80.

  MetLife’s pricing sits slightly below the industry average for comparable coverage — their average for a dog with a $5,000 annual limit runs around $81 per month versus the industry average of roughly $85. That advantage erodes as pets age. Multiple customer reviews document premiums tripling or quadrupling over three to four years as dogs move from puppy to young adult to middle age. When getting a quote, ask MetLife specifically for projected renewal rates at your pet’s age 4, 6, and 8 — this information is available on request in most states and gives you a realistic long-term cost picture rather than just the entry-year price.
• 2
  Does MetLife pet insurance cover UTIs? Yes — urinary tract infections are covered as illnesses under the standard accident and illness plan, provided the UTI is not a pre-existing condition and didn’t occur during the 15-day waiting period.

  MetLife explicitly lists infections including UTIs in its coverage documentation. The practical concern: if your pet visited the vet for any urinary symptom — frequent urination, straining, blood in urine — within the 15-day waiting period after enrollment, that symptom could be classified as pre-existing and all future UTI-related claims denied. The same logic applies if your pet had a UTI diagnosis before you enrolled. This is the clause in pet insurance that catches the most people off guard, because conditions like UTIs can recur regularly in cats and certain dog breeds. If your pet has a history of urinary issues, ask MetLife specifically how prior UTIs will affect future coverage before enrolling.
• 3
  Will MetLife pet insurance cover a heart murmur? Yes — heart murmurs are covered as hereditary and congenital conditions under the standard plan. However, a murmur diagnosed before enrollment or detected during the 15-day waiting period will be excluded as pre-existing.

  MetLife specifically covers hereditary and congenital heart conditions, which includes heart murmurs. This is worth noting because some pet insurers exclude hereditary conditions or require a rider. MetLife’s base plan includes them. A critical clarification: if your vet has noted a murmur in your pet’s medical records at any prior visit — even a passing notation of “grade 1 murmur, monitor” — that becomes a pre-existing condition under any pet insurer, including MetLife. When you apply, MetLife doesn’t review your pet’s prior records during enrollment. They pull them when you file a claim. Surprises at claim time are the source of many BBB complaints. For breeds genetically prone to cardiac conditions (Cavalier King Charles Spaniels, Dobermans, Boxers), enroll young, before any murmur has been documented anywhere.
• 4
  Does MetLife pet insurance cover heartworm? Treatment for an active heartworm infection: yes, covered under the base plan. Heartworm prevention medication: only covered with the optional Preventive Care add-on (Preventive 365 or 575).

  This is the most searched heartworm question and the distinction trips people up. If your dog tests positive for heartworm and needs treatment — which can cost $600–$3,000 or more depending on severity — MetLife’s standard plan covers the treatment, diagnostic testing, and medications. If you want reimbursement for the monthly or semi-annual prevention medication you give a healthy dog to avoid infection in the first place, that’s a different category: routine preventive care, which requires the wellness add-on. Important note for cat owners: there is currently no FDA-approved drug to safely treat heartworm infection in cats, which means prevention is the only option, and that falls under the wellness add-on, not the base plan.
• 5
  What is the MetLife pet insurance non-renewal situation? MetLife can choose not to renew a policy in some states and circumstances, typically after repeated large claims. This is a real documented concern, not just a rumor — BBB complaints describe non-renewal notices. Understanding your state’s pet insurance regulations matters here.

  Pet insurance is regulated at the state level, and the rules around non-renewal differ between states. In most states, insurers can non-renew a policy with sufficient notice — typically 30 to 60 days — and without requiring a specific reason. Multiple BBB complaints describe MetLife non-renewing policies for dogs with expensive or frequent claims, leaving owners in a difficult position: their pet now has documented conditions that will be pre-existing at any new insurer. If non-renewal happens to you, immediately request the reason in writing, file a complaint with your state insurance commissioner if the notice doesn’t follow required notification periods, and contact MetLife’s appeals process before the renewal deadline passes. The NAIC’s consumer portal at naic.org can connect you to your state’s specific consumer protection office.
• 6
  How do I file a MetLife pet insurance claim? Through the MetLife Pet app, the online portal, fax, or email. You pay your vet first, then submit a paid itemized invoice and your pet’s medical records. Most claims are processed within 10 business days. Reimbursement comes by check or direct deposit.

  The MetLife Pet app is widely praised for its ease of use — it’s one of the consistent positives in customer reviews. Upload your itemized invoice (every line item named separately, not a summary total) and your pet’s complete medical history. If your vet’s records are extensive, request them before your pet gets sick — scrambling for 5 years of records while also dealing with an ill pet is a documented point of frustration in multiple reviews. One recurring BBB complaint involves claims submitted via the app that “disappear” before processing — if this happens, immediately email the same documents to MetLife and request a confirmation that they’ve been received. Never rely solely on the app upload if the claim involves significant money. Keep copies of everything.
• 7
  How do I cancel MetLife pet insurance? Call 877-549-1671 or 855-571-3425 during business hours. You can also email [email protected] to initiate a cancellation. Request written confirmation and a cancellation effective date. Get everything in writing before you stop paying.

  Before canceling, pull together your pet’s complete medical records from the entire period you were covered by MetLife. Every condition treated during that coverage becomes a pre-existing exclusion at your next insurer. The strategic question isn’t just “is there a cheaper plan?” — it’s “is there a cheaper plan that still covers the conditions my pet developed while at MetLife?” Get an explicit exclusion list from any prospective new insurer before you cancel. If your pet has had no significant health events during your MetLife coverage period, switching carries minimal risk. If your pet developed a chronic condition, the calculus is significantly more complicated. Also: if you enrolled through your employer, cancellation may follow different procedures than direct consumer policies — check with your HR department if applicable.
• 8
  Is MetLife pet insurance good for multiple pets? Yes — MetLife’s Family Plan is one of its genuinely distinctive features. Up to three dogs or cats share one deductible and one annual coverage limit, reducing total out-of-pocket costs for households with multiple pets. There’s no cap on how many Family Plans a household can have.

  Most pet insurers treat each pet as a separate, independent policy with its own deductible. If you have three dogs and each has a $300 annual deductible, you’re paying up to $900 in deductible costs before any reimbursement begins. MetLife’s Family Plan pools all three pets under one shared deductible and one shared annual limit — so if one dog’s treatment exceeds the shared deductible, coverage kicks in for the others sooner. The trade-off: the shared annual limit means a year where multiple pets have significant expenses could exhaust the pool faster than individual policies would. For households where pets have historically had low to moderate individual expenses, the Family Plan generally reduces total cost. For households with one very sick pet alongside healthy ones, individual policies may be more protective.