How to Cancel MetLife Pet Insurance Policies?

How to Cancel MetLife Pet Insurance Policies

We write our honest reviews but this page may contain affiliate links, with some of the partners mentioned, to support this website. Read more here

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.

This change occurred after MetLife acquired PetFirst HealthCare, LLC, a company founded in 2004 that still offers services in some states under the same name. 

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.

MetLife Pros

  • 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.

MetLife Cons

  • The option for Accident-Only coverage is not available.
  • Direct payment to the vet is not supported.

What’s Covered

Your pet’s well-being is our priority, and our coverage reflects that. Embrace offers comprehensive coverage for accidents and illnesses, ensuring your furry friend receives the necessary care when they need it most. We understand that different breeds can have unique health concerns, which is why our policies include coverage for breed-specific conditions.
Additionally, orthopedic conditions, cancer treatments, diagnostic exam fees, dental procedures, and prescription drugs and foods for covered conditions are all part of our coverage. In most states, alternative therapies like acupuncture and chiropractic care are also included. For difficult decisions during your pet’s end-of-life journey, Embrace provides coverage for euthanasia and end-of-life care, offering support when you need it most.
If you desire even more extensive care for your pet, we offer an optional add-on for routine care to keep your pet in the best health.

What’s Not Covered

While our pet insurance is comprehensive, there are some exclusions. Embrace does not cover expenses related to breeding, nursing, or whelping.
Routine procedures like anal gland expression are not part of the coverage. Costs associated with vacation cancellations due to your pet’s health are not included. Obedience training and cosmetic procedures are also excluded.
Additionally, Embrace doesn’t cover expenses related to DNA testing or cloning. Routine care, unless added to your policy as an optional feature, is not covered. As for pre-existing conditions, they are generally not covered. However, curable pre-existing conditions can become eligible for coverage once they have been completely resolved, and your pet has been symptom-free for a specified period of time. We aim to be transparent about our coverage so you can make informed decisions about your pet’s health.

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:

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, 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. 

Share this post

Table of Contents
Prudent Pet Insurance

Read more