Pet Insurance
MetLife Pet Insurance can give you the confidence that you can care for your pet when an unexpected accident or illness occurs.
Why MetLife Pet Insurance?
With MetLife Pet Insurance, pet parents have the power of choice to customize their pet insurance to meet their needs.
- Coverage for dogs, cats and exotics (avian, reptiles, rabbits and other exotics).1 For exotic pet coverage, please call 1-800-GET-MET8
- Flexible coverage with up to 90% reimbursement2 and freedom to visit any U.S. licensed vet
- Optional preventive care coverage available for cats and dogs only.
- 24/7 live vet chat3—because accidents and illnesses don’t always wait for your vet to be open
- Discounts up to 30%4 and additional offers on pet care, where available
- Up to 3 pets can be covered on the same policy under the same annual limit Coverage of previously covered pre-existing conditions when switching pet insurance providers5
What does it cover?
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And our coverage also includes, but is not limited to:
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Pet Insurance FAQs
Pet insurance works much like other types of insurance. For a monthly fee (also called a premium), you’ll have coverage that can help reduce the financial impact of expected and unexpected veterinary 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.
Our process is simple and straightforward. 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,6 and you'll receive reimbursement2 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.7 Accident coverage and optional preventive care coverage begin 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 provider5—to learn more about what’s not covered, visit metlifepetinsurance.com/coverage-exclusions.
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:
- Levels of coverage from $500 – unlimited8
- $0 – $2,500 deductible options9
- Reimbursement percentages from 50% – 90%2
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 $50.10
Yes, a variety of discounts are available including:
- Employer Benefit Discount11
- Internet Purchase Discount12
- Military, Veteran, First Responder, and Healthcare Workers Discount13
- Animal Care Discount14
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 May not be available in all states.
2 Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.
3 Virtual veterinary services are available through the MetLife Pet app and are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.
4 When combining discounts, restrictions apply. Must be eligible for applicable discounts. Each discount may not be available in all states.
5 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.
6 Most claims are processed in 5-10 days, but processing may take longer in some cases.
7 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.
8 Annual limit options range from $500 - $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions apply.
9 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions apply.
10 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.
11 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”.
12 Discount not available in all states. Applies during first year only.
13 Must be eligible for discount. Not available in NY.
14 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).