Pet Insurance
MetLife Pet can help you prepare for unexpected vet costs associated with injuries and illnesses and can also cover routine care.
MetLife Pet Insurance offers a variety of coverages designed to fit your budget and your pet’s needs:
- Coverage for dogs, cats and exotics.* For exotic pet coverage, please call 1-800-GET-MET8. Click here to view the Exotic Pet Species Breed List.
- Flexible insurance plans that can cover the entire pet family with no breed exclusions.
- Visit any licensed U.S. veterinarian and be reimbursed up to 90%1 of the cost of services.
- Discounts of up to 30%2 and additional offers on pet care, where available.
- Receive coverage of pre-existing conditions that were previously covered when switching pet insurance providers.
MetLife Pet Insurance Covers
Accident & Illness
- Accidental injuries and illnesses
- Medications
- X-rays and diagnostic tests
- Hereditary conditions
- Congenital conditions
- Chronic conditions
- Holistic therapies
- And more!
Preventive Care (optional)**
- Spay or neuter
- Vaccinations
- Teeth cleanings
- Blood panel
- Heartworm test
- FeLV test
- Fecal test
Did you know that MetLife Pet offers family plans?3
- Enroll up to three pets under one policy (mix of cats and dogs).
- One annual limit that can be shared across all pets in the family plan.
- Customizable plan options.
- One annual deductible per policy.
Access 24/7 live vet chat4 for immediate assistance.
- MetLife Pet policyholders with a MyPets account will have complimentary access to 24/7 live vet chat.
- Licensed veterinary professionals can provide the guidance you need — from general questions to support identifying urgent care needs, whenever you need it via the MetLife Pet app.***
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.
Get A Quote
or call 1-800-GET-MET8
For Exotic pet coverage, call 1-800-GET-MET8
Pet Insurance FAQs
Similar to how other types of insurance work, such as health insurance for you and your family, pet insurance can help you be prepared for unexpected vet costs and routine 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.
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, and you'll receive reimbursement1 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.5 Accident coverage and optional Preventive Care coverage begin on the effective date of your policy. Illness coverage begins 14 days later.
- Pre-existing conditions as defined in our policy (unless previously covered when switching pet insurance providers).
- Services performed by unlicensed veterinarians.
- Services or supplies provided outside of the U.S.
- Illness or injury that results from preventable or intentional incidents such as neglect, organized fighting or commercial activities such as racing exhibitions, law enforcement and guarding.
- Services or supplies that are not medically necessary, such as cosmetic procedures and grooming.
Visit metlifepetinsurance.com/coverage-exclusions for more details.
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 – unlimited.6
- $0 – $2,500 deductible options.7
- Reimbursement percentages from 50% – 90%.1
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 $50.8
Yes, you will be automatically eligible for a 10% Employer Benefit Discount9 5% Affinity Group Discount.9
A variety of additional discounts may be available, including:
- Military, Veteran, First Responder and Healthcare Workers Discount.10
- Animal Care Discount.11
- Multi-pet discount12 (5% for the 2nd pet policy and 10% for each additional policy).
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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Pet Insurance
Help make sure your pet’s health expenses are covered.
Find the coverage that best fits your pet
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* May not be available in all states.
** Not available for exotic pets.
*** The MetLife Pet app features are coming soon for exotic pet policyholders.
1 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.
2 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
3 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.
4 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.
5 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy, compared to a wait time of two to 15 days for many competitors. Illness coverage begins 14 days from the effective day of your policy, compared to 14 to 30 days for many competitors. Based on a January 2024 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 $500 - $25,000 in $1,000 increments. 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 Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.
9 The Affinity Group Discount is not available on policies issued to residents of MN or TN. The Employer Group Discount is not available on policies issued to residents of TN. These discounts are only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance (the discount is 10% for Employer Groups and 5% for Affinity Groups). In MN, the Employer Group Discount is called an “Employee Affinity Discount." In AK, Employer Group must be > 2+ employees, and the employee must enroll through employer’s voluntary benefit or employee discount program via URL and/or toll-free number. In AK, for Affinity Groups, the policyholder must enroll through the affinity group's discount program via URL and/or toll-free number.
10 Discount may not be available in all states. A discount is available to healthcare workers, first responders and serving/retired members of the armed forces.
11 Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.
12 Multi-policy discount is not available with Family Plans.
Coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. 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).