Be cautious, as the company providing pet insurance in Washington state has raised premiums by nearly 40%. I held two policies for my young cats, with one policy covering $10,000 at $41 monthly with a $250 deductible and 90% reimbursement. Upon renewal, they increased this to $57. My second policy, originally $20,000 for $53, is now set to rise to $89. This means I will be seeking new pet insurance, as they attribute these hikes to inflation and increased veterinary costs. However, as someone in the animal healthcare field, I can assure you that vet rates have not surged by 40%. They suggested reducing my policy limits for a lower price, which is absurd—paying more for less coverage makes no sense. A slight increase is understandable, but this is excessive. I strongly recommend anyone in Washington state to explore other options until they stabilize their rates. I refuse to lower my deductible or reimbursement percentage while facing such a drastic increase. Their reasoning about veterinary costs seems like an excuse to raise rates for profit. I've encountered misleading statements regarding rate increases, and I foresee a loss of clients due to this approach. Ensure that if you're paying these exorbitant monthly fees, you're visiting the vet enough to recoup your annual costs. Before learning of the 40% increase, I was considering raising my coverage limit to $20,000, with a prior quote of $71. When I called back, they quoted $89, despite having recorded the earlier amount. My initial policy for my cats in August 2025 was $53 for a $20,000 limit, making these hikes seem predatory. I doubt the justification for these premium increases and expect clients to absorb them. Furthermore, the rates I received included a discount for working in the animal healthcare sector, so those without it may face even higher costs. There are alternative pet insurance companies offering unlimited coverage for similar premiums, which I will be exploring. Unless they address these issues, I will not be renewing with them.
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MetLife was founded over 150 years ago to help families navigate life’s twists and turns with financial protection. But then in 2020 we realized something: who rounds out a family better than our pets? And thus- MetLife Pet Insurance was born.
Backed by a group of pet lovers determined to treat your pets as if they were our own, MetLife Pet Insurance strives to help you make sure your furry family members are protected. Our comprehensive pet insurance policies for dogs and cats help you cover the cost of injuries, illnesses, pet meds, holistic care, emergencies and more- allowing pet owners to help give their pets the best care possible. We also offer a unique family plan,1 which allows pet parents to cover up to three pets on one policy, and even offer a 0-day waiting period on accidents and optional Preventive Care benefits.2 That means no matter what your pets are getting into, they can be protected by midnight on the very same day you enroll in a policy. This commitment to helping provide pet parents with the best pet insurance possible, may be part of why MetLife Pet Insurance has won the “Pet Insurance of the Year” award 4 years in a row. 3
But that’s not all. Here at MetLife Pet, our passion for animals extends beyond the home. That’s why in addition to offering cost-effective pet insurance for dogs and cats, we also work with hundreds of animal shelters across the country to help our furry friends find their forever homes. Because at MetLife Pet, our pets are more than just animals. They’re family.
1 Coverage options may be limited for certain ages.
2 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.
3 “2022, 2023, 2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).
©2025 MetLife Services and Solutions, LLC. All Rights Reserved.
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