Award-Winning Pet Insurance1
- Up to 90% of your vet bills reimbursed2
- Preventive Care for routine wellness costs
- Cover multiple pets on one policy3
or call 855-270-7387
Comprehensive Plans You Can Customize
Our affordable and extensive pet health insurance plans help you feel more confident your best friends can get the care they need to live long and healthy lives.
Plans starting at $16/mo4
Plans starting at $7/mo4
Coverage You Can Count On
During Illnesses
During Illnesses
Coverage for sickness-related costs, including:
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Cancer
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Heart disease
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Diagnostics
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Chronic conditions
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Medications
After Injuries
After Injuries
Coverage for the unplanned, including:
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Accidents
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Injuries
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Surgeries
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Emergency care
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Exam fees
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Hospitalizations
For Routine Care
For Routine Care
Preventive Care plan add-on for wellness, including:
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Teeth cleaning
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Flea & tick prevention
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Vaccinations
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Spaying & neutering
Real Reviews From PetInsuranceReview.com
Rated 4.6/5.0 Based On 300+ Reviews 7,8
The best insurance
READ MOREI’ve tried other pet insurance before I came across MetLife Pet. I couldn’t be happier choosing them. Their claims process is very easy. They are available when you call. They explain everything so
Donna
07/10/2024
I’m so happy with MetLife Pet
READ MOREMetLife Pet is the best! I am so happy with how affordable and comprehensive this insurance is! It is easy to contact customer service and the customer service representatives are
Rachel
07/03/2024
Excellent service
READ MOREI have used MetLife Pet Insurance for 2 years. I have been extremely satisfied with the company. This past claim was processed within a week. All claims for my three dogs have been accepted and
Helene
07/02/2024
Good, honest coverage
READ MORE...I have had an excellent experience with MetLife Pet’s coverage so far and would highly recommend them. In fact, I told a good friend about MetLife Pet’s insurance, and she purchased it as well and
Kat
05/24/2024
They paid me right away
READ MOREI've had to use MetLife Pet twice since I've adopted my cat — once for an ER visit and now for a swollen lymph node that turned out to be moderate/severe periodontitis (not common at this young
Janaina
05/05/2024
I highly recommend MetLife Pet
READ MOREWe adopted two cats after being pawless for a couple of years. I decided to get insurance, thinking it really wouldn't pay off for a few years. Within the first year and a half, both had major dental
Viki
04/23/2024
Don’t Get Left in the Dog House With Vet Bills
Get Protected by MetLife Pet Insurance
Frequently Asked Questions
Pet health insurance reimburses you for covered costs on your vet bills — helping you pay for your dog or cat’s unexpected medical expenses.
Take your pet to any licensed vet without worrying about provider networks. After their care, you pay your vet bill and submit a claim to us. Next, we reimburse you for covered expenses — typically, within 5 days.2 You can receive direct payments or paper checks. Learn more about how pet insurance works.
Metlife Pet plans start at $7 per month for cats and $16 per month for dogs.4 However, the cost of pet insurance — aka the premium — depends on a variety of factors. These include the species, breed, and age of your pet.
Other factors that can impact the price are where you live, the level of coverage you choose, adding more pets to a policy, as well as whether you enhance your plan with optional coverage. You can learn more about pet insurance costs, or get a free quote to see your exact rates.
You can customize your plan so it fits your pet’s needs and your budget. Choose your reimbursement rate, deductible, and annual benefit limit, add coverage for routine wellness expenses, or pick a family plan.2,3,12,13
Check out our Plans page to help you decide which level of coverage is right for your family.
Metlife Pet policies can cover costs related to accidents and illnesses that first occur after enrollment and any waiting periods are over.
Coverage for accidents and optional Preventive Care benefits start at midnight after you enroll in a policy. Coverage for illnesses begins 14 days after enrollment.5 Download a sample policy for more information.
Pet health insurance typically covers unexpected accidents and illnesses, not routine care. However, you can add our Preventive Care plan to your policy for an additional cost and save on routine expenses like teeth cleaning, spaying and neutering, vaccinations, and parasite prevention all year long.
You can enroll your dog or cat no matter what their breed is, and we don’t have any upper age restrictions. We also don’t have per-incident limits on claims — you can be reimbursed for covered expenses up to your annual benefit limit.13
Our insurance plans typically don’t cover pre-existing conditions. But if you switch from another provider to a MetLife Pet policy through your employer, your pet’s previously covered pre-existing condition may be covered by us, too.
Other things our policies usually don’t cover include microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, and non-prescription food. Reference your policy for full details.
MetLife Pet Insurance policies can be used at any licensed vet in the U.S. Veterinarians don’t need to accept an insurance policy for you to use your benefits because there’s typically no direct payment between the vet and the insurance company.
Unlike with human health insurance, there’s no such thing as “in-network” and “out-of-network” providers. So if you have a vet you currently love, stick with them!
When you have multiple pets, most pet insurance providers require you to enroll each one in their own policy. However, MetLife Pet has a unique family plan that covers up to three pets on one policy with a shared deductible.3
Covered expenses for all of the pets on your family plan count toward one deductible,12 so you can meet it faster and start getting reimbursed sooner. Plus, take advantage of a shared annual limit13 for flexible coverage, and combine cats and dogs on your family plan.
**As with any insurance policy, coverage may vary. Review our coverage and exclusions.
1 “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
2 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.
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 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.
5 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 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 March 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 Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet 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.
7 Pet Insurance Review rating as of July 2024
8 Testimonials are applicable to the individuals quoted. Your actual experience and results may differ. No one has been compensated for any testimonials.
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. When coverage is purchased on-line, a premium discount will apply during the first year of the policy.
11 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
12 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
13 Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.
“Average Cost Of Emergency Vet Visits,” Emergency Vets USA, https://emergencyvetsusa.com/average-cost-of-emergency-vet-visits
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).
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