Pet Insurance
Help make sure your four-legged family members are protected in case of an accident or illness.
Insurance coverage for your furry family members.
Pet Insurance offered by MetLife1 can give you the confidence that you can care for your pet when an unexpected accident or illness occurs.
Why MetLife Pet Insurance1?
It pays a portion or the full cost of veterinary treatment of an ill or injured pet.
Pet insurance may not cover pre-existing conditions, so now is the time to take advantage of benefits like:
- Flexible product offerings with straightforward pricing and deductible savings2
- Quick 3-step enrollment and hassle-free claims experience
- Among the shortest wait periods in the industry3
What does it cover4?
|
|
|
|
|
|
|
|
|
And our coverage4 also includes, but is not limited to:
|
|
|
|
|
|
Protect your furry family members
Help make sure your four-legged family members are protected in case of an accident or illness.
OR
Useful 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,1 you may be able to cover4 up to 90% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.
With pet ownership on the rise and more than 85 million families owning a pet,5 there is a greater need to ensure their health expenses are covered. More than half of pet parents reported that they’re not able to afford vet care for their pets,6 with the average annual cost for a routine vet visit for a dog being $212 and $160 for a cat.
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 10 days.7 Then you’ll receive reimbursement8 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 exclusions or upper age limits, and are the only provider to offer family plans9 (i.e. multiple pets included in one policy).
MetLife Pet Insurance1 provides among the shortest wait periods3 for accident and illness coverage. 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 may not be covered– enroll your pets today and help make sure they’re protected.
You can visit any licensed vet or emergency clinic 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 reimbursement8 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, as well as what coverage amount you select.10 Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.2
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.
Yes, a variety of discounts are available including:
- Employer Benefit Discount11
- Affinity Group Discount11
- Internet Purchase Discount12
- Military, Veteran & First Responder Discount13
- Healthcare Workers Discount14
- Animal Care Discount15
You can set up an automatic payment from your bank or credit card with us. As part of your group benefits, payroll deduction may be available.
Why Pet Insurance?
Pets make your family whole. Help make sure their unpredictable nature is covered for vet visits, illnesses, and more with Pet Insurance.
1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.
2 With deductible savings, your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.
3 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competition; wait period fir illness coverage is 14 days compared to 14 to 30 days for competitors, based on a January 2021 review of publicly available summary information about competitors offerings.
4 Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.
5 2019-2020 APPA National Pet Owners Survey.
6 Access to Veterinary Care Coalition “Access to Veterinary Care”, 2021
7 Approximately 80% of claims are processed within 10 days or less.
8 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.
9 Based on a January 2021 review of publicly available summary information about competitor’s offerings. 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 of their representative directly.
10 For IAIC underwritten policies only, premium will also be based upon the pet’s gender.
11 This discount is not available in Tennessee. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population. (For IAIC underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51−999 lives. For MetGen underwritten policies, this discount is 10% for Employer Groups of all sizes and 5% for Associations of all sizes.)
12 When coverage is purchased on-line, a premium discount will apply during the first year of the policy.
13 A discount is available to serving and retired members of the Armed Forces & First Responders.
14 A discount is available to active healthcare workers.
15 A discount is applicable to staff/owners of animal care facilities.