Owner Experience

MetLife has paid our claims, but $351 a month for two dogs?

MetLifeOriginally reported Summer 2026

Pet owner experience

We've had MetLife for our two dogs since 2023. They're three and five years old, and the renewal quote just came in at $351.11 a month. That's a 49% increase, even with a discount through work.

Here's why I'm struggling with it: the coverage itself has been good. We have a $250 combined deductible and 90% reimbursement. Claims have been paid without trouble. One dog gets prescription food, but most of what we do is routine or preventive care.

I don't want to give up a plan that's worked, but $351 every month is a lot. What would you change first?

Update: I called MetLife. Moving from unlimited coverage to a $10,000 annual limit while keeping the other terms the same would bring it down to $261.71 a month. That's a lot more manageable, though I'm still worried about what next year's increase will look like.

From the original discussion

Another owner's response Summer 2026

One person suggested asking what 80% reimbursement would cost while keeping the deductible. Others said to check whether the quote is for both dogs and how the annual limit affects the price.

BestPet Team Staff · October 2026

I am glad you called and got actual numbers. Saving around $89 a month is meaningful, but the tradeoff is the $10,000 annual cap if you have a very expensive year. I would check benefits already paid in a typical year and think about how much you could cover in a worst-case year. Would you feel comfortable with that cap?

Related: annual limits guide

Adapted from a publicly shared experience · Original discussion. Names and nonessential personal details are changed; provider, state when available, and reported insurance figures are preserved. New BestPet Team comments are identified separately from the original discussion.

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