Keep in Mind Before canceling your MetLife Pet Insurance policy:
- You will need to give at least 30 days’ notice before your policy cancellation takes effect.
- If you cancel MetLife Pet Insurance policy during the waiting period, you will not be refunded any premiums you have paid.
- If you have any claims pending, you will need to pay the deductible and any other out-of-pocket expenses before your policy is canceled.
Overview About MetLife Pet Insurance
MetLife (also known as Metropolitan Life Insurance Company) is one of the most sizable global insurance providers at the moment. Starting with 2021, the brand offers plans designed for pets and their owners.
There used to be some differences between the plans offered by PetFirst and the ones that MetLife has now made available, so the two major ones that pet parents can pick these days are the Standard and the High-Deductible alternatives.
The first can be considered an option for most healthy adults, whether cats, dogs, or any other species, in the sense that the coverage is lower and ranges from $2,000 to $10,000, with a deductible ranging from $50 to $500. For this specific plan, the reimbursement rates can vary between 70% and 90%.
The High-Deductible option comes with an annual benefit amounting to $10,000. In this case, the deductible would be approximately $2,500, and the reimbursement rate that pet owners can expect is 100% of their veterinary bills.
Some of the lowest plans start at $15 per month, so they’re not super expensive when compared to what other pet insurance companies have to offer.
- Enrollment welcomes all ages, with no age restrictions.
- Enjoy a $50 deductible discount for each year your dog or cat remains claim-free.
- Acceptance at any licensed veterinarian clinic.
- Your policy premium remains stable; filing a claim won’t increase the cost.
- Coverage extends to exam fees, prescription medications, and dental disease (in 49 states).
- A swift 1-day waiting period for accidents.
- The option for Accident-Only coverage is not available.
- Direct payment to the vet is not supported.
What’s Not Covered
MetLife Pet Insurance Alternatives
To find the best MetLife Pet Insurance alternative for you, it’s important to compare the plans offered by different companies.
Consider your budget, your pet’s age and health needs, and the type of coverage you’re looking for. You can also read reviews of different pet insurance companies to get a better sense of their customer service and claims process.
MetLife Pet Insurance alternatives:
- Embrace Pet Insurance
- Figo Pet Insurance
- Healthy Paws Pet Insurance
- Lemonade Pet Insurance
- Pets Best Pet Insurance
- Pumpkin Pet Insurance
- Spot Pet Insurance
- Trupanion Pet Insurance
- ASPCA Pet Insurance
- Nationwide Pet Insurance
These companies offer a variety of pet insurance plans with different coverage levels and premiums. Some companies also offer additional benefits, such as wellness coverage, multiple pet discounts, and pre-existing condition coverage.
How to Cancel MetLife Pet Insurance Policies
You are allowed to cancel your MetLife Pet Insurance policy at any time if you decide that it is not the right choice for you and your companion.
There could be some reasons for this because some customers have complained about the reimbursement happening over a long period of time, sometimes lasting up to 6 months (some examples range from intervertebral disc disease treatments to cruciate ligament issues).
The best way to cancel a Metlife pet insurance policy would be to contact the company directly, whether through phone or email. You will be asked for some basic information, such as your personal details.
Contact Information for Canceling MetLife Policies
As previously mentioned, you can’t cancel a policy if you do not get in touch with a MetLife representative. You can cancel by phone by calling 1-800-638-5433 or another number if you were given a particular one when you signed the contract.
There’s also the possibility of you conveniently canceling through email at email@example.com, so long as the policy you have makes that an option. Depending on the exact type of information they need, there could be one or more representatives reaching out to you via phone after they receive your email.
To be on the safe side of things, your cancellation email should include your policy information, the date you want the plan to end, as well as some of your basic personal details.
There’s also a rather helpful page on the brand’s official website that deals specifically with customer support, so you can either use the number we previously noted or call MetLife at 855-270-7387. The fax number is 877-281-3348 if that’s your preferred way of communication.
MetLife Pet Insurance Cancelation - FAQ
The short answer to this question is YES.
You are allowed to cancel your insurance policy whenever you feel the need to and for whatever reason. You can do so by using the cancellation methods described above.
It would be ideal if you changed your mind in the first 30 days of using the service and without having filed a claim because then the company would be able to refund you without asking any questions – and for all premiums that you have purchased.
So, if you really want to make sure you can get your money back, you need to cancel your plan during this so-called ‘cooling off period.’
If you’ve decided to opt for a different provider or if, for any other reason, you feel that right now, getting pet insurance would not be a suitable option for you, you will not be subject to any kind of penalization whatsoever during the first 30 days.
Other companies have cooling-off periods of just 14 days, so you should make sure that you act as fast as possible.
If you end up paying your premium and you decide to cancel your policy before the term ends without making any claims, the company will have to refund at least part of your remaining balance.
As you can expect, there could be some back and forth with the company, and they could retain some amount of whatever you’ve paid for your premium for processing and other such services, but these don’t usually tend to amount to a lot from your remaining balance.