Award-Winning Pet Insurance1

  • Up to 90% of your vet bills reimbursed2
  • Preventive Care for routine wellness costs
  • Cover multiple pets on one policy3

Pet Health Insurance

At MetLife, 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 can help.

Our pet insurance plans for dogs and cats can help reimburse you for unexpected vet bills. We can provide coverage for larger expenses like hospitalizations, surgeries, chronic conditions, diagnostic testing, and more, as well smaller expenses (that are still a big deal) like upset stomachs, allergies, medications, and exam fees. 


Dog Insurance

starting at $15/mo8

Cat Insurance

starting at $9/mo8

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


Flexible Product Offerings

Flexibility forcustomers toselect

2023 Best Pet Insurance Winner

Dependable partnerwith 100years

How MetLife Stands Out

Customizable productofferings withstraightforward

How Does Pet Insurance With MetLife Work?

Recent Reviews From Pet Insurance Review

MetLife Pet Is a Great Choice

I analyzed at least 10 other insurance companies, and MetLife Pet insurance far exceeded the value of all other insurance companies. All of the companies had caps whereas MetLife Pet was a straight 90% (you can choose a less % for a lower premium) on all claims after your deductible has been met. It was a no-brainer. MetLife Pet makes the claims process seamless.

Floups,, 11/10/23

One Less Thing to Worry About

When your loved one, in this case your dog, is sick, you have so many things to worry about. One of them may probably be affordability. MetLife Pet Insurance is great! Customer service is helpful with all my questions. They work with your vet office to get all the necessary paperwork to process your claim

Easy Claims Process and Quick Payment

I sent the claim in and heard back a few days later that it was accepted. Payment was on the way a couple days later. Not too difficult to do. Thank you!

Joyce,, 11/08/2023

I saved so much on the unexpected

I am glad I decided to get this. Since I have started this insurance my dog has had ACL surgery, started seasonal allergies, and has had a clogged tear duct procedure. Usually we are only at the vet once a year for shots! This saved me so much money for all that unusual stuff that happened this year. I have been telling all of my family and friends to get it.

Lisa,, 11/02/2023

MeLife Pet offers great wellness benefits

This is my first dog ever. I adopted him as a 7 year old rescue. Being older myself, I knew health care is important. I did a lot of research and MetLife Pet offered the most benefits, including wellness. They are quick to get to, easy to file claims, and even include flea, tick, and heartworm meds all under one deductible. I am very pleased.

Sharon,, 11/01/2023

I was able to give my dog the best care

This company has been absolutely fabulous to deal with since I first signed up with them. My Australian Kelpie is a rescue. Shortly after we got her, she developed a cancerous kidney and had to have it removed. MetLife Pet took care of the claim in record time, and each time the sweet old girl has had an issue, their settlement time and payout.

Linda,, 10/31/2023

We dont have to fear paying vet bills

Having 3 dogs is already expensive, and finding affordable coverage was mind-numbing. We had another company for a few years but could only afford accident/routine care. Even then, they found a reason to deny or lowball almost every claim. Since switching to MetLife Pet, we've had one dog hospitalized and another began treatment.

Jaime,, 10/17, 2023

Emergency vet costs nearly covered!

A new puppy means everything goes in the mouth despite being crated and watched like a hawk. Well, something hurt her GI tract and she had fluids coming out of both ends. An emergency hospital visit and 4 days later, the vet bills were over $5,000! Thank goodness I had MetLife Pet insurance! Once I submitted a claim online and uploaded  documents (a breeze), they paid nearly all of my bills. I’ve had other pet insurance over the years, and MetLife Pet far exceeds my experiences with the previous companies.

Laura,, 10/13/2023

MetLife Pet has always taken care of us

We have had MetLife Pet insurance since our dog was a pup and they have always taken great care of us. Their claim service is so easy and communication is always there if we ever have questions. Highly recommend it!

Jennifer,, 9/30/2023

Rated 4.7/5 Based On 300+ Reviews

pet insurer review


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.11 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, gender, 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’re here for even our most silver of seniors and can help with everything from end-of-life care to grief counseling.12

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.

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

1 “2023 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 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.

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 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

7 Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

8 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.

9 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.

10 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

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

12 Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife Pet. Not available to NY residents.

Coverage issued by Metropolitan General Insurance Company (“MetGen”), 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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