Pet Insurance for Your Furriest Family Members


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 it takes to fix it. But those veterinary costs can add up quickly, which is where MetLife Pet Insurance plans can come in.

Our pet 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 you can customize your deductible and reimbursement rates so they work best for your pet’s needs and your budget.

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Dog Insurance

starting at $15/mo²

Cat Insurance

starting at $9/mo²

Help protect your best friend. Get an instant quote.

Why MetLife Pet Insurance

Peace of mind sounds pretty good, doesn't it? Each year, our affordable, extensive coverage helps individuals feel more confident in getting the care they need for their pets to live long and healthy lives.

New, Innovative Policy Benefits

  • The only provider to offer family plans,3 covering multiple pets on one policy
  • Use any licensed vet in the U.S.


Flexible product offerings

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2022 Best Pet Insurance Winner

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How MetLife Stands Out

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Pet Insurance — How It Works

We’re Feeling the Love

At MetLife Pet Insurance, we’re pet parents too. That’s why we’re dedicated to helping you keep your pets happy and healthy. But don’t take our word for it. Here’s what other pet parents had to say about us:

The most important thing I want to share is that Metlife Pet makes it easy to be a pet owner, to be proactive in their health, not to hesitate because you are afraid to spend the money. Believe me, I have told everyone about them and many have changed over and been very grateful.

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– Cecile Marie, mom of 1 dog and 2 cats

I have to tell you, I have never been happier with insurance in my life than I have been with MetLife Pet Insurance for our pet. We had to get her vaccinations, we had to get her spayed, and in the first six months, this amounted to a rather significant sum of money. But with MetLife Pet, all we had to do was

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– Paige Garwood, mom of Maddie

Our story should have been a tragedy, but because of MetLife Pet Insurance, our story is a "happily ever after.” Last spring, our two smallest Shih Tzus wiggled their way out of their enclosure and started barking at a doe who … trampled our dogs. … The price estimate we were given came to a total of about

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– Angie Blakely, mom of Beau and Hazel


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.5 Learn more about how pet insurance works

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.

The cost of pet insurance depends on a variety of factors, including the species, breed, sex,6 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.

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.

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.

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.

1 May not be available in all states.

2 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. Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% option for IAIC underwritten policies only.

3 Based on a [January 2022] review of publicly available summary information about competitors' 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 or their representative directly.

4Accident 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.

5 Please note that MetLife Pet only provides coverage for previously covered pre-existing conditions to group policyholders when switching providers

6 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).

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Disclosure for Maine Residents

Disclosure for California Residents

MetLife Pet Insurance received a 5/5 star rating in June 2022. You can read the full review here. ©2017-2023 and TM, NerdWallet, Inc. All Rights Reserved