How does Pet Insurance Work?

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Pet insurance is one of the fastest growing forms of coverage in the nation.1  But how does it work? Well, for starters, pet insurance works very differently from human insurance.  

With MetLife Pet Insurance,2 you take your dog or cat to any licensed vet in the United States and pay for the expenses upfront.  The doctor provides you with the SOAP notes, itemized invoice, and medical records from the visit.  You then fill out a pet insurance claim form, and attach these records alongside the form. Pet insurance claim forms can be submitted through any of the following channels:

Once a dog or cat health insurance claim is reviewed and approved based on your selected coverage, MetLife2 may then reimburse the covered and approved expenses through your preferred method: direct deposit or paper check.

Every pet and pet parent is unique, so each pet's premium will often be based on a few factors. These may can include: the species, breed, age, the cost of vet care where your pet resides, as well as the coverage amount selected.  

Do I Need to Use a Specific Vet?

With MetLife, you can visit any licensed vet, emergency clinic or specialist in the country. There's no network of providers to worry about. 

How to File a Pet Insurance Claim

Has your dog or cat recently visited the veterinarian for an unexpected accident or illness? In order to file a claim with MetLife Pet Insurance, you must provide us with the following items:

  • Completed & Signed Claim Form: Download Claim Form Here
  • Veterinary Medical Records (SOAP Notes) from the date of service
  • Itemized Invoice from the date of service

Learn more about how to file a claim.

What does Pet Insurance Cover?

MetLife Pet Insurance plans2 may provide comprehensive cat or dog health insurance coverage on the following:3

  • Accidents
  • Illnesses (including hereditary, congenital & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • Intervertebral Disc Disease (IVDD)4
  • Cruciate Ligaments4
  • Anterior Cruciate Ligament (ACL)4
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • Medial Cruciate Ligament (MCL)4
  • Posterior Cruciate Ligament (PCL)4
  • Cranial Cruciate Ligament (CCL)4
  • Routine wellness & preventive care5
  • And Much More!

Why MetLife Pet Insurance

MetLife Pet Insurance is proud to be a part of you and your pet’s lives. That’s why we place an emphasis on transparency, communication, and customer service.  Head to our website, to get your free quote today. 

Need Pet Insurance?

Coverage in 3 Easy Steps

    1 NAPHIA - The North American Pet Health Insurance Association

    2 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. 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), and such other alternate, assumed, or fictitious names approved by certain jurisdictions. 

    3 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.

    4 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.  

    5 Can be purchased at an additional cost.