Pet Insurance

Similar to how other types of insurance work, such as health insurance for you and your family, pet insurance can help you be prepared for unexpected vet costs and routine care.

Pets are family. Pet insurance helps ensure your pet gets the care they deserve by protecting their health and well-being while helping to protect your budget.

Take your pet to the vet, pay the bill and then send us your claim documents. You can file using our mobile app or online portal or via email, fax or mail. We process most claims within five days, and you'll receive reimbursement¹ by check or direct deposit if the claim expense is covered under the policy.

MetLife Pet waiting periods are among the shortest for accident and illness coverage.⁵ Accident coverage and optional preventive care coverage begin on the effective date of your policy. Illness coverage begins 14 days later.

• Pre-existing conditions as defined in our policy (unless previously covered when switching pet insurance providers).³
• Services performed by unlicensed veterinarians.
• Services or supplies provided outside of the U.S.
• Illness or injury that results from preventable or intentional incidents such as neglect, organized fighting or commercial activities such as racing exhibitions, law enforcement and guarding.
• Services or supplies that are not medically necessary, such as cosmetic procedures and grooming.

Visit metlifepetinsurance.com/coverage-exclusions for more details.

You can visit any U.S. licensed vet, emergency clinic or specialist. You and your chosen veterinarian can determine the best treatment plan and medical course of action for your pet.

Every individual and their pet has unique needs—we provide the ability to customize your coverage. Coverage is flexible and customizable so that you can choose the plan that works for you. Options include:

• Annual limit options from $500-unlimited¹
• Deductible options from $0 – $2,500¹
• Reimbursement options of 50%, 70%, 80% and 90%¹

Each pet’s premium is unique based on the age, breed, location and coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $50.⁶

Yes, you will be automatically eligible for a 10% Employer Benefit Discount⁷

A variety of additional discounts may be available, including:

• Serving Military, Veteran, First Responder Healthcare and Animal care Workers Discount.⁸
• Multi-policydiscount⁹ (5% for the 2^nd pet policy and 10% for each additional policy).
• Internet discount¹⁰

You can set up an automatic payment via credit/debit card or ACH (electronic bank -to-bank-transfer). If you need to update your payment method, credit and debit card changes can be made online or by contacting the MetLife Pet Call Center. ACH payment updates must be completed through the MetLife Pet Call Center. For assistance, call 866-937-7387.