Pet Insurance
Help make sure your four-legged family members are protected in case of an accident or illness.
Why MetLife Pet Insurance1?
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?
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And our coverage4 also includes, but is not limited to:
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Pet Insurance may not cover pre-existing conditions.4
Protect your pet
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 documents to us. You can file by using our 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).
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 based on the age, breed, location, as well as what coverage amount you select.10 Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.2
Yes, a variety of discounts are available including:
- Employer Benefit Discount11
- Affinity Group Discount11
- Internet Purchase Discount12
- Military, Veteran & First Responder Discount13
- Healthcare Workers Discount14
- Animal Care Discount15
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.
Pet Insurance
Help make sure your pet's health expenses are covered.
1 Exotic pet coverage available for MetGen policies. May not be available in all states.
2 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.
3 For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.
4 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
5 Based on a January 2023 review of publicly available summary information. 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 or their representative directly.
6 Annual limit options range from $1,000 - $25,000 in $1,000 increments. There is also a $500 annual limit option for MetGen policies. Unlimited benefit option subject to availability. Pet age restrictions may apply. Unlimited option not available for exotic pets. The maximum annual limit offered for exotic pet coverage is $10,000.
7 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
8 For IAIC policies, premium is also based upon pet gender.
9 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.
10 Discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. (IAIC policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives. MetGen policies, this discount is 10% for Employer Groups and 5% for Associations).
11 When coverage is purchased on-line, a premium discount will apply during the first year of the policy.
12 Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces.
13 A discount is applicable to staff/owners of animal care facilities. Not available in NY.
Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for complete details. MetLife Pet is the policy administrator. The entity may operate under an alternate, assumed, or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).