MetLife Pet Insurance

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PET INSURANCE

Health coverage for your furriest family members

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At MetLife Pet Insurance1, we get it—pets are like family. We know how difficult it can be when a member of the family becomes sick or injured. When you and your pet need us most, we'll be there with comprehensive plans, robust coverage and a team of caring and passionate pet advocates—many who are pet parents themselves—to help. 

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Independent Coverage

Resources if you are purchasing a pet plan on your own.

  • I want to get a quote and find out how much a policy may cost
Coverage through Employer

Resources for individual policyholders, employees, and members who receive coverage through their employer.

  • I want to get a quote and find out how much a policy may cost
  • I have an existing plan and want to file a claim
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Pet Health Insurance 

MetLife Insurance Plans1 offer robust annual benefit amount options, chronic care coverage and no lifetime or per-incident limits for pets of all ages. You can customize your deductible and reimbursement rates so they work best for your pet's needs and your budget. Get a quote and customize a pet health plan that's just right for you and your pet.

PRODUCT OFFERINGS

Dog Insurance

Customizable and competitive dog insurance plans

Cat Insurance

Comprehensive and competitive cat insurance plans

Why MetLife Pet Insurance1

Flexible product offerings

Flexibility forcustomers toselect

Competitive rates with discounts

Customizable productofferings withstraightforward

New, Innovative Policy Benefits

  • We're the only provider to offer family plans,7 covering multiple pets on one policy.

MetLife's unmatched track record

Dependable partnerwith 100years

DID YOU KNOW?

56% of pet parents reported not being able to afford emergency care for their pets.9

Pet Insurance — How it Works

Take your pet to the vet

Visit any licensed vet, emergency clinic or specialist in the US. There's no network of providers to worry about.

Send us your claim

Pay your pet's vet bill, and send us your claim along with vet records and invoice from the visit.

Get money back quickly

 

MetLife will follow-up with your vet for any missing info. Claims are processed in less than 2 weeks.6

 

Want to learn more?

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Need Help?

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Filing Pet Insurance Claims

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 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).

3 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. 

4 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

5 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.

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

7 Based on a January 2021 review of publicly available summary information about competitor's offerings. Competitor's 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.

8 MetLife Pet Insurance Solutions LLC (fka "PetFirst Healthcare, LLC"), a MetLife company, has over 15 years of experience serving pet parents.

9 Access to Veterinary Care Coalition “Access to Veterinary Care”, 2018.