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 10 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 up to 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.]
Pet Insurance
Help make sure your pet's health expenses are covered.
Enroll today
- Help keep your furry family members protected.
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 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 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. 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.
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”, 2018
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 May not be available in all states.
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 (the 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.