How to File a MetLife
Pet Insurance Claim

📋 How to File a MetLife Claim

1. Log in at metlifepetinsurance.com or use the MetLife mobile app (4.5-star rating)
2. File your claim with an itemized invoice and medical records
3. Claims must be submitted within 90 days of treatment, shorter than most competitors
4. MetLife processes 80% of claims within 10 business days
5. Reimbursement by check or direct deposit

⚠️ Common Reasons MetLife Denies Claims

• Pre-existing conditions
• Orthopedic and cruciate ligament conditions have a 6-month waiting period for dogs
• IVDD has a 6-month waiting period
• Critical: Claims submitted after 90 days are automatically denied, this is shorter than the industry standard 180 days. Set a calendar reminder after every vet visit
• Exotic pet coverage is only available in 22 states

💡 Tips for a Successful MetLife Claim

• MetLife is one of the only major insurers to cover exotic pets, birds, reptiles, ferrets, guinea pigs, and more in 22 states
• No age limits, older pets can still get accident and illness coverage, which is rare
• 1-day accident waiting period is one of the shortest in the industry
• Important: File claims within 90 days, not the usual 180-day window. This catches many pet owners off guard
• Multi-pet discount: 5% for first additional pet, 10% for each additional pet after that