Pet Insurance

Help make sure your four-legged family members are protected in case of an accident or illness.

Why Pet

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?

  • Accidental injuries
  • Illnesses
  • Exam fees
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays
  • Diagnostic tests

 

And our coverage4 also includes, but is not limited to:

  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Holistic care
  • Chronic conditions
  • Alternative therapies

 

Pet Insurance may not cover pre-existing conditions.4

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You can get a quote at anytime directly with MetLife by clicking the “Get a Quote” tab.

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Tools and Resources

PET INSURANCE FAQ

Tools and Resources View (PDF - 963 KB)
PET INSURANCE OVERVIEW

Tools and Resources View (PDF - 997 KB)
PET INSURANCE FAQ - FORMER EMPLOYEES

Tools and Resources View (PDF - 989 KB)

1 Independence American Insurance Company (“IAIC”) is the insurance carrier for this product. PetFirst Healthcare, LLC, a MetLife company, is the policy administrator authorized to offer and administer pet insurance policies. Independence American Insurance Company, a Delaware insurance company, is headquartered at 485 Madison Avenue, NY, NY 10022. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact PetFirst Healthcare, LLC. Like most insurance policies, insurance policies issued by IAIC contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

2 With deductible savings, your pet’s deductible automatically decreases by $25 each policy year that you don’t receive a claim reimbursement. May not be available in all states.

3 Accident coverage is midnight EST as of the day of enrollment compared to wait time of 2 to 15 days for many competitors. Illness coverage begins 14 days from the day of enrollment compared to 14 to 30 days for many competitors.

4 Provided all terms of the policy are met. Like most insurance policies, insurance policies offered by PetFirst Healthcare, LLC and underwritten by Independence American Insurance Company, contain certain exclusions, exceptions, reductions, limitations, and terms for keeping them in force.

5 2019-2020 APPA National Pet Owners Survey.

6 80% of claims are processed within 10 days or less.

7 Annual limit options range from $1,000 - $25,000 in $1,000 increments.

8 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

9 Reimbursement options include: 65%, 70%, 80%, 90% and 100%.

10 This discount is not available in Tennessee. This discount is only available for individuals who access the policy through a group (10% for Groups > 1000 lives and 5% for Groups 50-999 lives).