Pet Insurance

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

Pet Insurance Underwritten and Issued by Independence American Insurance Company.

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 Pet Insurance offered by MetLife1 you may be able to cover up to 90% on veterinary expenses at any licensed veterinarian, specialist or emergency clinic in the U.S.

Pet Insurance

Why Pet Insurance offered by MetLife

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

Pet insurance may not cover pre-existing conditions, so now is the time to take advantage of benefits like:

  • Flexible product offerings with straightforward pricing and deductible savings2
  • 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 coverage also includes, but is not limited to:

  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Holistic care
  • Chronic conditions
  • Alternative therapies
Pet Insurance FAQs

Just like health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With Pet Insurance offered by MetLife1, you may be able to cover up to 90% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

Now more than ever, pets are playing a significant role in our lives and it is important to keep them safe and healthy. Perhaps you may have already experienced the cost of veterinarian care for your pet. The average annual cost for a routine vet visit is $212 for a dog and $160 for a cat; and the average annual cost for a surgical vet visit is $426 for a dog and $214 for a cat.5

Our process is simple and straightforward. Take your pet to the vet and pay the bill, then send your claim to us. You can file by using our online portal, e-mail, fax or mail, and we’ll process your claim within 10 days6. Then, you’ll receive reimbursement1

Pet Insurance offered by MetLife1, provides among the shortest wait periods3 for accident and illness coverage. Accident coverage begins midnight EST as of the day of enrollment and illness coverage begins 14 days from the day of enrollment.

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 reimbursement.

That depends on you and your pet. We offer flexible, customizable coverage so that you can choose the plan that works for you. Our options include:

  • levels of coverage from $1,000 – unlimited7
  • $0 - $2,500 deductible options8
  • Reimbursement percentages from 65% - 100%9

Each pet’s premium will be unique based on the age, breed, location and gender, as well as what coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $252.

Yes. Group discounts are available.10

As part of your group benefits, you can choose payroll deduction, or you can set up an automatic payment from your bank with us.

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.

6 80% of claims are processed within 10 days or less.

7 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).