Pet Insurance
MetLife Pet Insurance can give you the confidence that you can care for your pet when an expected accident or illness occurs.
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.
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 coverage3
- 24/7 Telehealth Concierge Services—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
- Only provider to offer family plans5, covering multiple cats and dogs on one policy
- Coverage of previously covered pre-existing conditions when switching providers
What does it cover?
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And our coverage also includes, but is not limited to:
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Protect your pet
Pet Insurance FAQs
Similar to how other types of health insurance work, such as health insurance for you and your family, pet insurance is coverage for your pets that can help you be prepared for unexpected vet costs.
According to a survey conducted by OnePoll and MetLife, 61% of pet parents confirm that having a pet is more costly that they initially thought it would be. With MetLife Pet Insurance, pet parents have the power of choice to customize their Pet Insurance to meet their needs.
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 5 days. Then you’ll receive reimbursement2 by check or direct deposit if the claim expense is covered under the policy.
MetLife Pet Insurance provides among the shortest wait periods 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.
Previously covered pre-existing conditions may not be covered — 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 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.
Options include:
- levels of coverage from $500–unlimited6
- $0–$2,500 deductible options7
- reimbursement percentages from 50% - 90%2
Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select.8 Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.9
Yes, a variety of discounts are available including:
- [Employer Benefit Discount10/Affinity Group Discount10]
- Internet Purchase Discount11
- Military, Veteran, First Responder, and Healthcare Workers Discount12
- Animal Care Discount13
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 in our call center. [Payroll deduction may be available.]
Help Protect Your Pet
Pet insurance can help reimburse you for unexpected pet bills.
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. Not available for exotic pets.
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. For exotic pets, deductible options are $0-$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 Discount may not be available in all states. 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 Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.
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. 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).