Why MetLife Pet Insurance Plans Are The Best
Pets have been common companions and additions to the family in American homes for a long time now. However, in recent times, the number of pets and pet parent families has greatly increased. Pet parents are now more than ever wanting the best care and treatment for their fur babies.
In addition to healthy food, safe and fun toys, and quality pet supplies of all kinds, pet parents are looking to keep their four-legged loved ones as healthy as possible. This of course includes medical care for their dogs and cats. While there are a large number of veterinary clinics and hospitals available, these services are often not affordable for many pet parents. Because of the great growth of pets and the pet “industry”, there are now many insurance companies that offer pet health insurance plans. Similar to medical insurance that parents have for their children, these pet insurance plans help pet parents to provide the best and timely medical care for their pets.
While routine, regular pet medical care can be somewhat reasonably priced – unexpected illnesses or injuries can incur vet bills into the thousands of dollars. Pet insurance can make sure that pet parents can provide the care needed in such instances. Better yet, pet medical insurance is much less expensive than human health insurance and usually more flexible as well. There are many companies offering pet insurance plans, but MetLife’s pet insurance plans are the best choice for pet parents, as will be discussed below.
While routine, regular pet medical care can be somewhat reasonably priced – unexpected illnesses or injuries can incur vet bills into the thousands of dollars. Pet insurance can make sure that pet parents can provide the care needed in such instances. Better yet, pet medical insurance is much less expensive than human health insurance and usually more flexible as well. There are many companies offering pet insurance plans, but MetLife’s pet insurance plans are the best choice for pet parents, as will be discussed below.
MetLife Background
MetLife is a very established and large insurance company, with over 100 years of experience in core and secondary coverage across various insurance products. They offer medical coverage for cats and dogs of all ages and breeds, and they’re known for having some of the shortest coverage waiting periods in the pet insurance industry.
Their pet insurance plans are available nationwide and their plans allow you to visit any licensed vet or emergency clinic, anywhere in the country, and the ability to receive up to 100% reimbursement for covered expenses. MetLife offers various levels of coverage and doesn’t have any breed exclusions. No initial exam or previous vet records are required to obtain coverage.
Ratings & Reviews
MetLife Pet Insurance won “Pet Insurance of the Year” in the 2022 Pet Independent Innovation Awards. They also have been rated with 5 stars (out of 5) by various consumer sites. Most importantly, they have received high marks of satisfaction from their customers. In one pet insurance customer survey, a MetLife customer said they would renew their plan with MetLife because “I enjoy my experience with the company.” On the whole, customers rated the company highly regarding claim filing and customer support.
Main Advantages
– MetLife’s coverage is flexible, with straightforward pricing and deductible savings. The company has very short waiting periods and no breed or age restrictions.
– The medical coverage is very comprehensive, with even holistic and alternative therapies being covered.
– Unlike other companies, hereditary, congenital and chronic conditions are covered.
– You can use any licensed vet facility anywhere in the country.
– Fast coverage: Accident coverage and optional Preventive Care coverage begin on the effective date of your policy, and Illness coverage begins only 14 days later.
– Enrollment is very simple, as is the claim submission and tracking process via a mobile app.
– Claims are processed within ten days, which is quite fast compared to other pet insurance providers.
Policy & Pricing Flexibility
Regarding policy cost, the price of MetLife Pet Insurance varies based on several different factors, including your pet’s age, breed, location and your choice of policy coverage amounts (see below) Monthly premiums start at $29 for cats and dogs.
The company allows customers to choose from three different combinations of annual benefit limits ($2,000, $5,000, or $10,000), five reimbursement levels (65%, 70%, 80%, 90%, or 100%), and four deductibles ($50, $100, $250, or $500).
Other Advantages
– MetLife covers all cats and dogs, regardless of their age or breed.
– They don’t require pets to be neutered or spayed to qualify for pet insurance coverage.
– You can cover multiple pets on a single policy under MetLife’s Family Plan.
– Premiums do not increase due to claims being filed.
– Wellness reward: Deductible amount is lowered without cost increase.
– Various discounts available, including through employer benefits.
Final Thoughts
The earlier you enroll your fur baby for pet insurance, the lower your premium cost will be. Also, your pet will be covered for almost any condition if you enroll them before they get sick. For these reasons and having more peace of mind as a pet parent, you should obtain pet medical insurance for your pet(s) as soon as possible.
