Why MetLife Pet Insurance
Peace of mind sounds perfect, doesn’t it? Affordable, extensive coverage means your pet can get the care they need to help them live a long and healthy life — and you can stay worry-free.
Pet Health Insurance
At MetLife Pet Insurance, we get it — pets are like family. When a member of the family becomes sick or injured, you do whatever you can to fix it. But those veterinary costs can add up quickly, which is where our MetLife Insurance plans come in.
Our insurance plans for dogs and cats can help reimburse you for unexpected vet bills. We can provide insurance for pets of all ages — even seniors — and offer robust annual benefit amount options, chronic care coverage, and no lifetime or per-incident limits. You can also customize your deductible and reimbursement rates so they work best for your pet's needs and your budget.
New, Innovative Policy Benefits
- The only provider to offer family plans,1 covering multiple pets on one policy
- Use any licensed vet in the U.S.
Flexible product offerings
Flexibility forcustomers toselect
How MetLife Stands Out
Customizable productofferings withstraightforward
2022 Best Pet Insurance Winner
Dependable partnerwith 100years
Pet Insurance — How It Works
Take your pet to the vet
Visit any licensed vet, emergency clinic or specialist in the U.S. 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 typically processed in less than 2 weeks.
FAQs
How does insurance for a pet work?
For a typically low monthly fee, pet health insurance helps to reimburse you for a portion of your vet bills, helping you pay for your dog or cat’s unexpected medical expenses. Insurance plans typically don’t cover pre-existing conditions, which is why it’s a great idea to sign up your dog or cat when they are healthy.2 Learn more about how pet insurance works
What are pre-existing conditions?
Pre-existing conditions are typically injuries or illnesses, or symptoms that occurred prior to your coverage start date and any applicable waiting period. Learn more about pre-existing conditions, and reference your policy for full details.
How much will this cost me?
The cost of pet insurance depends on a variety of factors, including the species, breed, sex3, and age of your pet. Where you live also helps determine what you pay. The type of coverage you need will affect costs, too. Learn more about pet insurance costs or get a free quote.
Do I have to use a specific vet?
Nope, you can use any licensed vet in the U.S.! Unlike with human health insurance, there is no such thing as “in-network” and “out-of-network” providers. So if you have a vet that you currently love, there is no need to switch.
I have a senior pet, is it too late to get insurance?
It’s never too late to make sure your pet has coverage. With no age restrictions, we are here for even our most silver of seniors and can help with everything from end-of-life care to grief counseling.
Are any breeds unable to get insurance?
We have zero breed exclusions, whether you have a golden doodle prone to hip dysplasia or a scottish fold prone to kidney disease.
We can help handle the vet bill. You handle the belly rubs.
Get a quote now
Need Help?
Here are some great resources for existing policyholders.
1 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy is 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. Competitive information is based on a January 2022 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.
2 Please note that MetLife Pet provides coverage for previously covered pre-existing conditions when switching providers
3 For IAIC policies only
Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. 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).
Disclosure for Maine Residents
Disclosure for California Residents