PetFirst Insurance Review

Customizable pet insurance with transparent pricing and great discounts

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overall rating

Our Take 

MetLife Pet Insurance, formerly PetFirst, offers cost-effective accident and illness insurance for dogs and cats plus additional routine care coverage for preventative pet care. It’s widely accepted throughout the U.S. and the company makes it easy to customize insurance plans and offers discounts for multiple pets and enrolling online.

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
  • No caps or use limits

  • Customizable coverage

  • Discounts for multiple pets

  • Accident coverage available in 24 hours

  • 14-day trial period

  • Low annual limits

  • No accident-only plan

  • Six-month wait time for some health issues

Key Takeaways
  • MetLife Pet Insurance offers accident and illness insurance as well as routine care coverage with flexible terms and pricing.
  • Injury coverage is available within 24 hours of enrolling.
  • Policies auto-renew each year with no need to reapply.
  • You can raise or lower the deductible or reimbursement level at any time without penalties.
  • Year Founded 2004
  • Average Cost $17 to $200
  • Types of Services Available Accident and illness insurance
  • Additional Features Routine care rider, multi-pet discounts
  • Official Website

MetLife Pet Insurance, originally PetFirst, is a provider of accident and illness insurance for dogs and cats. You can choose up to $10,000 of annual coverage, deductibles as low as $50, and reimbursement from 70% to 90% for services covering accident and illness treatment. It also lets you configure coverage so you can create a custom pet insurance plan for your budget and needs.           

We review the coverage details and exclusions, add-on services, discount pricing, rates, customer service, ratings, and more to help you decide if these plans are right for you. 

Company Overview: Flexible Accident, Illness, and Routine Care Coverage

PetFirst has provided pet insurance for tens of thousands of cat and dog owners in the U.S. The company also had a strong focus on building community and supporting local humane societies and shelters. In 2018, PetFirst was acquired by MetLife and became MetLife Pet Insurance.

MetLife Pet Insurance offers basic accident and injury insurance, reimbursing pet owners between 70% to 90% of their vet bills. As with most pet insurance, premiums are based on the age and type of animal. MetLife Pet Insurance makes it easy to get an exact quote by entering your pet’s information online and adjusting coverage, deductibles, and reimbursements until you find the coverage and price you want.

MetLife Pet Insurance is accepted at all licensed veterinarians in the U.S., including emergency animal hospitals and specialists. The company also offers discounts for insuring multiple pets, enrolling online, and for every year you don’t file a claim.

Trustpilot gives the original PetFirst service a low rating, though more than half of reviewers rate the company as Excellent. Complaints range from increasing rates without notice to poor customer service. Consumers Affairs showcases similar complaints from reviewers.    

Like PetFirst, MetLife Pet Insurance policies are underwritten by Independence American Insurance Company, which has an A- rating for financial stability from AM Best.           

Policies Available: Accident and Illness

MetLife Pet Insurance offers basic accident and illness coverage for cats and dogs with an interactive plan builder that helps you create a package that meets your needs and budget.

After entering the basic information about your pet, you’ll get a plan with your monthly premium payment. From there you can adjust your coverage based on the following choices: 

  • Annual coverage limit
  • Annual deductible
  • Reimbursement for vet bills 

Your premiums will be higher with older animals and increase as younger animals age. MetLife Pet Insurance does automatically renew your coverage year after year, however, so there’s no need to requalify.

MetLife Pet Insurance also has a relatively short waiting period. Like most pet insurance companies, if you file a claim before the waiting period (24 hours for accidents and 14 days for illness), those will be considered pre-existing conditions and your claim will be denied, even if it’s something that would normally be covered. However, any claims for covered services filed after the waiting period should be approved. 

There’s no waiting period for downgrading coverage, but you will have to wait another 14 days if you upgrade. 

In addition to accidents and illness, MetLife Pet Insurance covers these claims: 

  • Accidents
  • Hereditary, congenital, and chronic conditions
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic care and alternative therapies
  • Emergency care

 After a six-month waiting period, your pet is also covered for: 

  • Intervertebral Disc Disease (IVDD)
  • Anterior Cruciate Ligaments
  • Medial Cruciate
  • Posterior Cruciate Ligaments
  • Cranial Cruciate Ligaments

Other Add-Ons: Routine Care Coverage

In addition to accident and illness insurance, MetLife Pet Insurance offers optional routine care coverage that helps with vet checkups and other preventative pet care. You can choose from one of five annual coverage limits between $125 to $575. Each tier offers a set dollar amount that MetLife Pet Insurance will pay for specific appointments. 

Plan Exclusions: Standard Exclusions for Pre-Existing Conditions 

As with most pet insurance, MetLife Pet Insurance won’t cover any claims related to pre-existing conditions. It will, however, cover illnesses connected to hereditary and congenital conditions.

MetLife Pet Insurance also does not cover the following in its accident and illness coverage:

  • Elective procedures
  • Anal gland expression
  • Pet food, special diet, vitamins, or mineral supplements
  • Breeding or conditions related to breeding
  • Grooming and bathing, including medicated baths
  • Parasite prevention and treatment
  • Illness or injury from racing, coursing, commercial guarding, or organized fighting
  • Behavior training
  • Organ transplant
  • Routine wellness and preventative care

MetLife Pet Insurance offers discounts for insuring multiple pets, enrolling online, and for every year you don’t file a claim.

Cost: Customizable Coverage Plus Discounts

One of the things we liked about MetLife Pet Insurance is its transparent and customizable pricing. You can easily adjust coverage options using the simple online tool, so there’s no need to email or call for a quote. There's also a discount of $10 off your first online payment.

If you bundle multiple pet policies into one family plan, you'll save on premium costs. Additional discounts include $25 off your deductible for each year your pet goes claim-free.

Accident and Illness Coverage 

MetLife Pet Insurance offers too many combinations of annual limits, deductibles, and reimbursements to create a comprehensive pricing chart. Instead, we outline two insurance scenarios we plugged into its quote calculator.

12-year-old female black Labrador Retriever 1-year-old male mixed cat (under 20 lbs.)
$2,000 of annual coverage
$250 deductible
80% reimbursement
$177.67 per month
$2,000 of annual coverage
$250 deductible
80% reimbursement
$16.39 per month
$10,000 of annual coverage
$500 deductible
80% reimbursement
$328.21 per month
$10,000 of annual coverage
$500 deductible
80% reimbursement
$27.94 per month
$2,000 of annual coverage
$250 deductible
90% reimbursement
$208.99 per month
$2,000 of annual coverage
$250 deductible
90% reimbursement
$18.80 per month
$5,000 of annual coverage
$250 deductible
80% reimbursement
$250 routine wellness add-on
$281.02 per month
$5,000 of annual coverage
$250 deductible
80% reimbursement
$250 routine wellness add-on
$41.87 per month

Customer Service: Email, Live Chat, and Phone Seven Days a Week 

MetLife Pet Insurance offers extensive email, web chat, fax, and phone support as well as an online portal where you can submit or check on the status of claims and change your plan at any time. Phone support is available Monday to Friday from 9:00 a.m. to 9:00 p.m. EST and Saturday and Sunday from 10:00 a.m. to 7:00 p.m. EST.     

MetLife Pet Insurance processes claims in 10 to 14 days and typically pays out reimbursements within 30 days after receiving all documentation and paperwork from you and your veterinarian.

You can easily adjust coverage options using the simple online tool, so there’s no need to email or call for a quote.

Competition: MetLife Pet Insurance vs. Nationwide 

As a recognized leader in the insurance industry, it’s no surprise that Nationwide offers pet insurance. It’s a combined accident and illness insurance with a wellness plan that covers more than MetLife Pet Insurance's routine care coverage, like prescription diets and supplements and dental cleanings.

Nationwide doesn’t have set annual limits for its Major Medical or Major Medical + Wellness plans and instead sets individual limits based on the procedure. This makes it much harder to get a reliable quote and know how much you'd expect to pay for your insurance. The Whole Pet plan is available with a $10,000 annual coverage limit and either 50% or 70% reimbursement options.

While Nationwide is an established insurance leader with almost 100 years of insurance and customer service experience, we recommend MetLife Pet Insurance if you’re looking for flexible and transparent pricing and competitive rates.

  MetLife Pet Insurance Nationwide
Animals Covered Dogs and cats Dogs, cats, birds, reptiles, small mammals
Example Cost $56.07 per month to insure a 3-year-old medium-sized dog with 80% reimbursement, $5,000 annual coverage, a $250 deductible, and $250 in routine care $72.69 per month to insure a 3-year-old medium-sized dog with 70% reimbursement, $10,000 annual coverage, and a $250 deductible
Coverage Type Accidents, illness, wellness Accidents, illness, wellness
Waiting Period Accidents: 24 hours Illnesses: 14 days Accidents: 14 days Illnesses: 14 days
Network Size Any licensed vet in the U.S. Any licensed vet in the U.S.
Flexible Accident and Illness Insurance at Competitive Rates

Based on our methodology, MetLife Pet Insurance customizable and transparent pricing, short wait time, generous discounts, and competitive rates make it a great choice for accident and illness coverage. We also like its low-priced wellness rider.

We do have some concerns over the company’s mixed reviews, however. Its 14-day money-back guarantee also doesn’t offer much time to test its services. To work around this, you could start out with low to modest coverage and upgrade with no penalty once you’ve seen MetLife Pet Insurance pet insurance in action.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. MetLife Pet Insurance. "PetFirst Pet Insurance to be Acquired by MetLife." Accessed Dec. 15, 2021.

  2. Independence American Insurance Company. “Who We Are.” Accessed Dec. 15, 2021.