Pet Insurance
MetLife Pet can help you prepare for unexpected vet costs associated with injuries and illnesses and can also cover routine care.
Why MetLife Pet Insurance?
- Flexible insurance plans that can cover the entire pet family with no breed exclusions
- Visit any licensed U.S. veterinarian and be reimbursed up to 90%1 of the cost of services
- Discounts of up to 30%2
- Receive coverage of pre-existing conditions that were previously covered when switching pet insurance providers3
What does it cover?
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And our coverage also includes, but is not limited to:
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Insurance coverage for your furry family members.
MetLife Pet Insurance offers a variety of coverages designed to fit your budget and your pet’s needs.
Help protect your furry family members
Help make sure your four-legged family members are protected in case of an accident or illness.
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Pet Insurance FAQs
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.4 Accident coverage and optional preventive care coverage begins on the effective date of your policy. Illness coverage begins 14 days later.
Pre-existing conditions are not typically covered in pet insurance; however, MetLife will cover pre-existing conditions that were previously covered for those switching from another pet insurance provider—to learn more about what’s not covered, visit metlifepetinsurance.com/coverage-exclusions.4
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.
Each pet’s premium will be unique based on the age, breed, location, 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 $50.5
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:
- Levels of coverage from $500 – unlimited6
- $0 – $2,500 deductible options7
- Reimbursement percentages from 50% – 90%1
Yes, a variety of discounts are available including:
- Employer Benefit Discount8
- Military, Veteran, First Responder and Healthcare Workers Discount9
- Animal Care Discount10
You can set up an automatic payment via credit card through the online portal or call center. ACH (electronic bank-to-bank payment) is available exclusively through our call center. Payroll deduction may be available.
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1 Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.
2 When combining discounts, restrictions apply. Must be eligible for applicable discounts. Each discount may not be available in all states.
3 Pre-existing coverage only available to individuals with active pet insurance coverage that have purchased MetLife Pet Insurance as part of an employer group benefit offering.
4 Based on a July 2025 review of publicly available summary information of top 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 or their representative directly.
5 Your policy deductible decreases by $50 each policy year that you don’t receive a claim reimbursement. Deductible reverts on renewal if claim reimbursement for claims other than preventive care have been made. Restrictions apply.
6 Annual limit options range from $500 - $25,000 in $1,000 increments or unlimited benefit option also available. Pet age restrictions apply with Family Plans. Restrictions apply.
7 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions apply.
8 Must be eligible for applicable discount. The Affinity Group and Non-Employer discount are not available in MN or TN. The Employer Group Discount is not available in TN. In MN, Employer Group Discount is called an “Employee Affinity Discount”.
9 Must be eligible for discount. Not available in NY.
10 Must be eligible for discount. Not available in NY.
Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).