Pet Insurance
Pet Insurance offered by MetLife Pet can give you the confidence that you can care for your pet when an unexpected accident or illness occurs.
Why MetLife Pet Insurance?
- Flexible insurance plans that can cover your cats and dogs with no breed or age exclusions1
- Up to 90% coverage if your pet becomes sick or injured—including exam fees2
- Save up to 30% with discounted rates3
- Up to 3 pets can be covered on the same policy1
Pre-existing conditions are not typically covered in pet insurance; however, MetLife Pet will cover pre-existing conditions that were previously covered for those switching from another pet insurance provider,4 so now is the time to take advantage of benefits like:
- Flexible product offerings with straightforward pricing and deductible savings5
- Quick 3-step enrollment and hassle-free claims experience
- Among the shortest wait periods in the industry6
What does it cover?
Accident & Illness
- Accidental injuries and illnesses
- Medications
- X-rays and diagnostic tests
- Hereditary conditions
- Congenital conditions
- Chronic conditions
- Holistic therapies
- And more!
Preventive Care (optional) for dogs and cats
- Vaccinations
- Flea/tick medications
- Wellness visits
- Teeth cleanings
- Deworming
- And more!
Customize a pet health plan that’s just right for you and your pet.
Your pet can get the care they need to help them live a long and healthy life—and you can worry less.
Call 1-800-GET-MET8
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Pet Insurance documents
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, you may be able to cover up to 90%2 on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.
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.
Our process is simple and straightforward. Take your pet to the vet, pay the bill and then send your claim documents to MetLife Pet. You can file by using our mobile app, online portal, e-mail, fax or mail, and we’ll process your claim – usually within five days.7 Then you’ll receive reimbursement2 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 or age exclusions1 and are the only provider to offer family plans1 (i.e. multiple cats and dogs included in one policy).
MetLife Pet Insurance waiting periods are among the shortest wait for accident and illness coverage.6 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 are typically not covered in pet insurance; however, MetLife Pet will cover pre-existing conditions that were previously covered for those switching from another pet insurance provider.4 Enroll your pets today and help make sure they’re protected.
You can visit any licensed vet, emergency clinic or specialist 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 reimbursement2 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, and the coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible $50.5
Yes, a variety of discounts are available including:
- Employer Benefit Discount8
- Internet Purchase Discount9
- Military, Veteran, First Responder and Healthcare Workers Discount10
- Animal Care Discount10
You can set up an automatic payment to MetLife from your bank or credit card. As part of your group benefits, payroll deduction may be available.
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1 Coverage options may be limited for certain ages.
2 Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.
3 When combining discounts, restrictions apply. Must be eligible for applicable discounts. Each discount may not be available in all states.
4 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.
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 Based on a January 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.
7 Most claims are processed in 5-10 days, but processing may take longer in some cases.
8 Must be eligible for applicable discount. Not available in TN. In MN, Discount is called an “Employee Affinity Discount”.
9 Discount not available in all states. Applies during first year only.
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).