MetLife Pet Insurance
Founded in 2020. Available in 50 states. BBB rating: A+. AM Best: A+.
Pricing by dog size
Monthly premium ranges for typical dogs. Actual pricing varies by breed, age, and ZIP code.
Small dogs
< 25 lbs
$25–$55/mo
Young dog
$42–$80/mo
Senior
Medium dogs
25–60 lbs
$35–$72/mo
Young dog
Large dogs
> 60 lbs
$45–$95/mo
Young dog
$65–$135/mo
Senior
Brachycephalic breeds
Bulldogs, Pugs, French Bulldogs, etc.
$52–$110/mo
Plan options
Coverage details
What MetLife covers, and what costs extra or isn't included.
Waiting periods
Enrollment requirements
Pros and cons
Strengths
- ✓ Industry-leading multi-pet discount up to 25%
- ✓ 100% reimbursement option available
- ✓ Wide range of deductible choices
- ✓ No upper age limit for enrollment
- ✓ Backed by major financial brand
Weaknesses
- ✗ 6-month cruciate ligament wait
- ✗ Exam fees not covered
- ✗ Relatively new to pet insurance market
- ✗ 14-day accident waiting period
Best for
- → multi-pet households
- → those wanting 100% reimbursement option
- → owners wanting flexible deductible choices
Less ideal for
- → those needing immediate orthopedic coverage
- → owners wanting exam fees covered
- → budget shoppers with single pets
Frequently asked questions
How much does MetLife cost?
MetLife premiums start at $25/month for small young dogs and range up to $135/month for large senior dogs. Actual pricing depends on breed, age, and location.
Does MetLife cover hereditary conditions?
Yes, MetLife covers hereditary and breed-specific conditions.
What is MetLife's waiting period?
MetLife has a 14-day accident waiting period and 14-day illness waiting period. Orthopedic conditions have a 6-month wait.
Is there an age limit for MetLife?
No, MetLife has no upper age limit for enrollment.
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Last verified: 2026-05-16