Pet Insurance

Help make sure your four-legged family members are protected in case of an accident or illness.

Insurance coverage for your furry family members.

can give you the confidence

If your furry family member needed an unexpected trip to the vet, would you be prepared?

With MetLife Pet Insurance1, you may be able to cover up to 100% on veterinary expenses at any licensed veterinarian, specialist or emergency clinic in the U.S.

Pet Insurance

Why MetLife Pet Insurance

It pays a portion or the full cost of veterinary treatment of an ill or injured pet.

Take advantages of benefits like:

  • Flexible product offerings with straightforward pricing and a healthy pet incentive2
  • Quick 3-step enrollment and hassle-free claims experience
  • Among the shortest wait periods in the industry3

What does it cover4?

  • Accidental injuries
  • Illnesses
  • Exam fess
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays
  • Diagnostic tests


And our coverage4 also includes, but is not limited to:

  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Holistic care
  • Chronic conditions
  • Alternative therapies


Pet Insurance may not cover pre-existing conditions.4

Pet Insurance FAQs

Similar health insurance for you and your family, pet insurance can help you be prepared for unexpected vet costs for your dogs and cats. With MetLife Pet Insurance,1 you may be able to cover4 up to 100% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

With pet ownership on the rise and more than 85 million families owning a pet,5 there is a greater need to ensure their health expenses are covered. More than half of pet parents reported that they’re not able to afford vet care for their pets,6 with the average annual cost for a routine vet visit for a dog being $212 and $160 for a cat.

Our process is simple and straightforward. Take your pet to the vet and pay the bill, and then send your claim to us. You can file by using our enhanced mobile app, online portal, e-mail, fax or mail, and we’ll process your claim – usually within 10 days.7 Then you’ll receive reimbursement8 by check or direct deposit if the claim expense is covered under the policy.

We offer flexibility to select various levels of coverage with no breed exclusions or upper age limits, and are the only provider to offer family plans9 (i.e. multiple pets included in one policy). We also offer new, industry leading policy features such as grief counseling, loss or theft coverage, boarding fees, and virtual vet concierge services.10

MetLife Pet Insurance1 provides among the shortest wait periods3 for accident and illness coverage. Accident coverage and preventive care coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

Pre-existing conditions may not be covered– enroll your pets today and help make sure they’re protected.

You can visit any licensed vet or emergency clinic in the U.S., and you and your veterinarian of choice can determine the best treatment plan and medical course of action for your pet. Once you’ve received and paid your bill, send it to us and we will process your claim for reimbursement8 if the claim expense is covered under the policy.

We believe every individual and pet have unique needs, so we provide the ability to customize your coverage. Coverage is flexible so you can choose the plan that works for you.

Each pet’s premium will be unique. Premiums are based on the age, breed, and location of your pet, as well as the coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $50 with our healthy pet incentive.2

Yes, a variety of discounts are available including:

  • Employer Benefit Discount11
  • Affinity Group Discount11
  • Internet Purchase Discount10,12
  • Military, Veteran & First Responder Discount10,13
  • Healthcare Workers Discount10,14
  • Animal Care Discount10,15

You can set up an automatic payment from your bank or credit card with us. As part of your group benefits, payroll deduction may be available.

Independence American Insurance Company (“IAIC”) is the insurance carrier for this product. PetFirst Healthcare, LLC, a MetLife company, is the policy administrator authorized to offer and administer pet insurance policies. Independence American Insurance Company, a Delaware insurance company, is headquartered at 485 Madison Avenue, NY, NY 10022. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact PetFirst Healthcare, LLC. Like most insurance policies, insurance policies issued by IAIC contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

With deductible savings, your pet’s deductible automatically decreases by $25 each policy year that you don’t receive a claim reimbursement. May not be available in all states.

Accident coverage is midnight EST as of the day of enrollment compared to wait time of 2 to 15 days for many competitors. Illness coverage begins 14 days from the day of enrollment compared to 14 to 30 days for many competitors.

Provided all terms of the policy are met. Like most insurance policies, insurance policies offered by PetFirst Healthcare, LLC and underwritten by Independence American Insurance Company, contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

2019-2020 APPA National Pet Owners Survey.

80% of claims are processed within 10 days or less.

Annual limit options range from $1,000 - $25,000 in $1,000 increments.

Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

Reimbursement options include: 65%, 70%, 80%, 90% and 100%.

10 This discount is not available in Tennessee. This discount is only available for individuals who access the policy through a group (10% for Groups > 1000 lives and 5% for Groups 50-999 lives).