Text-to-image diffusion models allow seamless generation of personalized images from scant reference photos. Yet, these tools, in the wrong hands, can fabricate misleading or harmful content, endangering individuals. To address this problem, existing poisoning-based approaches perturb user images in an imperceptible way to render them "unlearnable" from malicious uses. We identify two limitations of these defending approaches: i) sub-optimal due to the hand-crafted heuristics for solving the intractable bilevel optimization and ii) lack of robustness against simple data transformations like Gaussian filtering. To solve these challenges, we propose MetaCloak, which solves the bi-level poisoning problem with a meta-learning framework with an additional transformation sampling process to craft transferable and robust perturbation. Specifically, we employ a pool of surrogate diffusion models to craft transferable and model-agnostic perturbation. Furthermore, by incorporating an additional transformation process, we design a simple denoising-error maximization loss that is sufficient for causing transformation-robust semantic distortion and degradation in a personalized generation. Extensive experiments on the VGGFace2 and CelebA-HQ datasets show that MetaCloak outperforms existing approaches. Notably, MetaCloak can successfully fool online training services like Replicate, in a black-box manner, demonstrating the effectiveness of MetaCloak in real-world scenarios.