Does Pet Insurance Cover Boarding?

Four minutes
Mar 28, 2024

Whether it’s a big vacation or a medical emergency, a time may come when you need someone to look after your furry family member(s). Some pet owners choose to board their pets while they’re away, but the cost per night can quickly add up. This may prompt you to wonder, does pet insurance cover boarding? If you have MetLife Pet Insurance, the answer is yes — but only under specific circumstances. Let’s take a closer look.

MetLife’s Coverage For Boarding

Whatever option you decide to go with for your pets, it’s important to understand exactly how pet insurance can help you with boarding. When it comes to MetLife Pet, you can get the cost of boarding covered — up to $500 per your policy period. However, this only applies if boarding your pet is necessitated by a medical emergency. That means, if you or a member of your household is hospitalized for more than 48 hours, you could get reimbursed for the cost of boarding your pet. Simply submit a claim that includes evidence of hospitalization and receipts from the pet boarding facility!

What Is Pet Boarding?

Pet boarding is basically a hotel for pets! These establishments allow you to rent kennel space for your dog or cat to be looked after while you’re away. Depending on the establishment you go with, your pets may have access to outdoor space and other “guests” to socialize with.

But these services don’t come cheap. Pet boarding can run you anywhere from $40 – $280 per night.1 The price is determined not only by the type of establishment you choose, but also by the size of your pet, whether they need special treatment, and your geographic location — both big-city facilities, and those located in rural areas with fewer options, tend to cost more.1

Types of pet boarding facilities

If you’re going to be leaving your beloved pet in the care of a boarding facility, you’ll want to be sure it’s the right choice for your fur baby. Typically, there are four options to choose from:1

  • Kennel boarding: The most basic type of pet boarding establishment, kennel facilities often provide your pet with their own kennel space and will look after their basic needs — food, water, and exercise. Kennel boarding is often the most affordable option and may offer optional services for an additional charge.
  • Pet hotels: These establishments are a bit fancier than your average kennel boarding location. Pet hotels may include private rooms, spa facilities, obstacle courses, and even live webcams so you can check in on your pet. Of course, the trade-off is a higher price per night.
  • Vet boarding: Your local veterinarian clinic may offer overnight boarding services for a price. This can be a good option for pets with medical needs that might not be met at a commercial boarding facility. However, you shouldn’t expect the frills of a pet hotel or kennel boarding business.
  • Pet sitting: A more recent option in the pet boarding industry is to find a pet sitter to look after your cat or dog in the comfort of your own home. It’s an option that allows your pets to stay in an environment they’re already comfortable with and can reduce the risk of exposure to diseases like kennel cough. Prices can vary widely since the cost per day is often set by the sitter.

MetLife Pet Insurance Can Help

Whether it’s for boarding your pet or getting emergency treatment, MetLife Pet Insurance can help alleviate the financial side of pet ownership. Check out our sample policy to learn more about our policies. Or read our guide to how pet insurance works. Then, find out how much you could save on vet bills and other expenses with a free custom quote!

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 “How Much Does Dog Boarding Cost? In-Home Boarding vs Kennel & More,” Rover,

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. 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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