MetLife 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

Call 1-800-GET-MET8

Why is having pet insurance so important

Pets are unpredictable. While it’s hard to anticipate accidents and illnesses, pet insurance makes it a little easier to be prepared for them. From wellness care to significant incidents, it’s the smart way to protect your pet’s health and your pocketbook. 

Pet insurance provides benefits for veterinary treatments related to accidents and illnesses, including cancer. Medical policies cover diagnostic tests, X-rays, prescriptions, surgeries, hospitalization and more. Competitively priced wellness coverage can be added to any plan. 

  • Use any veterinarian worldwide, including specialists and emergency providers
  • Benefits that renew in full each year
  • Nation’s oldest and largest pet insurer
  • No additional charge for chronic care coverage
  • No lifetime limits

Pet Insurance

How can having pet insurance benefit you and your pet?

It offers nose-to-tail coverage for everything from ear infections to cancer. Plans are designed to fit your needs and your budget.

You may choose between two plans:
My Pet Protection: Typical cost starts at $40/month.1

  • Highest reimbursement for accidents and illnesses, including cancer and diabetes
  • Simple 90% reimbursement2 of your vet bill
  • $250 annual deductible and $7,500 maximum annual benefit
  • Coverage for hereditary and congenital conditions

My Pet Protection with Wellness: Typical cost starts at $66/month.1

  • Wellness includes spay/neuter, dental cleaning and more!2

Examples of Covered Conditions:

  • Ear Infections
  • Respiratory Problems
  • Diabetes
  • Skin rashes
  • Kidney & bladder infections
  • Abscesses
  • Leukemia
  • Cancer
  • Vomiting
  • Accidents (including poisionings and allegric reactions
  • And More
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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.

Your Pet Insurance can be cancelled by calling 1-866-574-2861 prompt 7.

*Please review the other insurance tabs to ensure the cancellation process is the same.

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.

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

2 Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

3 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. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them of their representative directly.

4 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

5 2019-2020 APPA National Pet Owners Survey.

6 Access to Veterinary Care Coalition “Access to Veterinary Care”, 2018

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

8 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

9 Based on a January 2021 review of publicly available summary information about competitor’s offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them of their representative directly.

10 May not be available in all states.

11 This discount is not available in Tennessee. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population (the discount is 10% for Employer Groups of all sizes and 5% for Associations of all sizes).

12 When coverage is purchased on-line, a premium discount will apply during the first year of the policy.

13 A discount is available to serving and retired members of the Armed Forces & First Responders.

14 A discount is available to active healthcare workers.

15 A discount is applicable to staff/owners of animal care facilities.