Veterinary Pet Insurance

If your pet becomes sick or hurt, you may not have enough saved to cover the expense.

Taking your pet to the veterinarian can be very costly. Veterinary Pet Insurance® (VPI®) makes it a little easier to be prepared. From wellness care to significant medical incidents, VPI is the smart way to protect your pet's health. By having an insurance policy in effect which covers your pet, you are able to minimize some of the medical costs associated with these visits and treatments.

Covered Conditions

  • Ear infections
  • Skin rashes
  • Accidents, including lacerations, poisonings, fractures, sprains and wounds
  • Vomiting
  • Cancer
  • Diabetes
  • Kidney and bladder infections
  • Leukemia
  • Abscesses
  • Respiratory problems
  • And more


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

Frequently Asked Questions

Three important reasons to enroll:

  • Accidents and illnesses will happen to your pet over his or her lifetime.
  • You don't want to be caught unprepared for your pet's veterinary expenses.
  • You should never have to ask, "Can I afford to follow my veterinarian's recommendation?"

Optional CareGuard® can be added to any VPI plan. You get coverage consisting of no-deductible protection and reimbursement for a wide range of preventative care.

Use your VPI policy in three easy steps:

  • Pay for your pet's treatment at the time of service.
  • Fax or mail our easy-to-use claim form along with your receipts.
  • After meeting your policy's annual deductible, you'll be reimbursed according to your plan's benefit schedule.

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.