What the official site currently emphasizes
MetLife currently emphasizes a customizable accident-and-illness plan, optional preventive care, and a multi-pet family-plan option in eligible situations.
Verified against the provider’s public website on August 11, 2026. Provider terms and state availability can change, so the current sample policy and quote control.
What to verify in your quote
- Would your pets be quoted separately or under an available family-plan structure?
- How are preventive-care benefits separated from accident-and-illness coverage?
- Which claim-submission methods and reimbursement options are available?
- What exclusions, waiting periods, deductible, reimbursement, and annual-limit settings apply to your quote?
Make the price comparison fair
| Keep constant | Why it matters |
|---|---|
| Pet species, breed, age and ZIP | These inputs can materially change premium. |
| Deductible | A lower premium may simply shift more cost to you. |
| Reimbursement percentage | Compare the same percentage where possible. |
| Annual limit | Unlimited and capped plans are not equivalent. |
| Plan type and add-ons | Wellness or optional benefits can distort a premium-only comparison. |
Policy documents to save
- Quote summary with date
- Current sample policy for your state
- Definitions and exclusions
- Waiting-period disclosure
- Any written carrier answer that changes your decision
Official provider source
Visit the MetLife Pet Insurance official website and locate the current sample policy or state disclosure before buying.