Does MetLife offer discounts?

Policies start at $9 a month for single cat insurance and $15 a month for single dog insurance , while allowing you to add more pets and coverage for an additional cost. MetLife offers a few discounts for affordable pet insurance for multiple pets: Multi pet discount if you’re enrolling more than one pet Internet discount for signing up online Military, veteran, and first responder discount to thank our heroes Healthcare and animal care discounts to thank those who care for us and our pets Discount for each year you don’t file a claim

Skip Navigation

MYPETS LOGIN

Get a Quote

MYPETS LOGIN

Enter your search here

PET INSURANCE

Pet Insurance for Multiple Pets: A Family Plan Like No Other

Q: How Does Pet Insurance for Multiple Pets Work?

Whether you have one cat, one dog, or three, MetLife Pet insurance policies work the same way. Up to three pets can be covered on one plan with a single deductible. This is the amount pet owners are responsible for before the pet insurance policy kicks in. A bonus? All pets on the policy can contribute to the deductible. Once you’ve met the deductible, all pets on the policy are eligible for reimbursement. Here’s how the pet insurance claims process works: Pay the monthly premium: Pet parents pay a monthly fee, like a subscription or car insurance, for the policy. Take your pet to the vet: When an illness or injury strikes, take your pet to any licensed vet for care. Pay the veterinary bill yourself, but keep those statements. Submit your claim: Send the vet bill statement and any medical records from the visit to MetLife. Receive reimbursement: Once you’ve met your deductible, MetLife will reimburse you whatever your reimbursement rate is within 10 days.

Q: How Much Does Multi-Pet Insurance Cost?

Your pet health insurance premium will vary based on a few major factors that impact the cost. How many pets you have, their breeds and ages, where you live, and if they have any preexisting conditions will all factor in. MetLife Pet Insurance policies are also highly customizable. We remain flexible in a competitive market with customizable coverage options and unlimited reimbursement percentages. You can select a higher or lower deductible and even add on different care types to your plan. Have older pets that need routine care? No problem! We offer an optional Wellness Plan to help mitigate regular veterinary checkups. Want preventative care or more coverage? Tailor your policy to get as little or as much coverage as you need for your cats and dogs. From preventative care and vaccines to emergency care, our policies can flex to cover nearly anything. Already have a policy or multiple policies with another provider? MetLife Pet will cover any preexisting conditions your pet may have. When you switch to a MetLife Pet Insurance plan, you will get illness and injury coverage soon after, as well as coverage for other veterinary visits, medications, and other eligible expenses to ensure continued care. On a tight budget? MetLife Pet Insurance offers some of the most affordable pet insurance for multiple pets on the market. You can get a pet insurance quote online and start coverage today! We provide options to help you care for your furry friends.

Q: What Makes MetLife Pet Insurance Different?

MetLife has over 100+ years of experience in core and voluntary benefits with a strong track record within the insurance industry. We’re the only provider offering family plans so you can cover multiple pets with one policy. If you choose MetLife Pet Insurance, you can: Enroll up to three pets Mix cats and dogs in a single policy Get up to 100% reimbursement on vet bills One annual deductible per policy

Three Minutes

Mar 26, 2025

A Jack Russell terrier and American Shorthair cat sleeping together.

With costs for so many things on the rise — including pet care — pet insurance can be a valuable way to help you make unexpected vet bills less of a burden.

But finding the best pet insurance for multiple pets is no small task, and your fur family deserves coverage that works for everyone. Let’s dig into the details of how our multi-pet plan works, the costs, and what makes our plan one of a kind.

Get Coverage for up to 3 Pets on 1 Plan With a Shared Deductible

See What It Costs

How Does Pet Insurance for Multiple Pets Work?

When you insure multiple pets with one provider, you’ll likely have separate policies for each pet and a discount, if offered, will be applied to your premium. With MetLife Pet, we have a couple of different options.

Our unique Family Plan allows you to enroll up to three pets on one policy with a shared deductible and annual limit at a discounted rate.^1,2,3 You get the same coverage customization options as an individual policy, but your selections apply to all pets on the plan as a whole.

If you choose to keep your fur family on separate, individual policies instead of opting into the Family Plan, we still offer a multi-policy discount⁴ for enrolling more than one pet. This allows for greater customization, if your pets would benefit from different coverage levels, while still saving money on premiums.

How shared deductibles and limits work

With a shared deductible, you only need to meet one deductible amount for all of your covered pets. Once you’ve met the deductible, covered costs for all pets on the policy are eligible for reimbursement up to your annual limit.²

So if you hit your deductible from just one of your pet’s vet bills, you could save more money on all of your other pets’ covered care compared to having separate deductibles for each.

With one annual limit, all pets on the policy contribute to one maximum reimbursement amount — there’s no per-pet limit.³ The benefit here is the flexibility of allocating more coverage to pets who may have different expense needs, while still ensuring all of your pets are covered.

For example, say you have three dogs on your Family Plan. Maybe one dog, Todd, has more expenses than the other two. Since your annual limit is shared across all three pups, you don’t have to worry about Todd’s covered expenses being denied due to an individual annual limit.

What Makes MetLife Pet Insurance Different?

Bottom line, we’re the only provider offering a family plan — giving you the option of covering multiple pets with just one policy.^1,5 In choosing MetLife Pet Insurance’s Family Plan, you can:

Enroll up to three pets on a single policy
Mix cats and dogs
Get reimbursed up to 90% on covered expenses for all pets on the policy⁶
Have one deductible and annual limit shared across all pets on the plan^2,3

If you have more than three pets, you can group them together in two or more Family Plans.¹

Purrfect perks you can drool over

With all of our policies, we offer conveniences and benefits designed to align with your and your family’s needs. Some of these include:

0-day waiting periods on accidents and optional Preventive Care plan coverage⁷
A mobile app to manage claims and vet records, get personalized pet care tips, and find nearby pet services
Coverage for lost pet advertising and pet theft
Grief counseling for when pets cross the rainbow bridge⁸
Free 24/7 vet telehealth chat⁹

Already have a policy — or multiple — with another provider through your employer? When you switch to a MetLife Pet plan, we can cover conditions that may be considered pre-existing under a new policy if they’re already covered under your current provider.¹⁰ So if your dog’s chronic allergies are covered under your current plan, they’ll still be covered when you switch to MetLife Pet.

Golden Retriever and British Shorthair accompany their owner.

How Do You Use Pet Insurance for Multiple Pets?

Whether you have a single pet or multiple pets covered, the process of using your pet insurance works the same way.

Pay your premium: To keep your plan active and use your benefits, ensure you pay your premium when it’s due.
Take your pet to the vet: When an illness or injury strikes, take your pet to any licensed vet in the U.S. for care. Pay the veterinary bill yourself, but keep the invoice.
Submit your claim: Submit the invoice and relevant medical records from the visit through your preferred claims method — like online or through our mobile app.
Get money back: Once you’ve met your deductible, we’ll reimburse you for covered costs at your reimbursement rate, up to your annual limit.^3,6

We know that when it comes to having multiple pets, getting reimbursed quickly can make a big difference in keeping your budget intact. That’s why we work hard to ensure most claims are processed within 5 days.

How Much Does Multi-Pet Insurance Cost?

Your pet health insurance premium can vary based on a few factors. Each of your pet’s species, breed, gender, age, and any pre-existing conditions all impact the cost. Where you live, your coverage selection, adding more pets, and applicable discounts will also change your rate.

MetLife Pet cat insurance starts at $7 per month for one cat, and dog insurance starts at $16 per month for one dog.¹¹ Enrolling multiple pets can increase these prices, as can customizing your reimbursement rate, deductible, and annual limit.^2,3,6

Learn more about the cost of pet insurance.

Does MetLife Pet offer discounts?

To help make pet insurance more accessible, we offer a handful of discounts to eligible policyholders:⁴

An internet discount for signing up online¹²
A military, veteran, and first responder discount to thank our heroes¹³
Healthcare and animal care worker discounts to thank those who care for us and our pets^13,14
A deductible discount for each year you don’t file a claim¹⁵
A discount when you enroll through your employer¹⁶

Not sure if you qualify for a discount? Give us a call at (833) 864-0321, and our pet advocate team will be happy to help you!

Get MetLife Pet’s Insurance for Multiple Pets Today

Everyone has different financial circumstances, but they shouldn’t be a barrier to getting the care your furry family needs. And more pets means more vet bills. With award-winning¹⁷ pet insurance from MetLife Pet, in part due to our multiple pet insurance policy, you can conveniently cover all of your dogs and cats — giving you more control over future vet expenses.

To avoid making a choice between your finances and your pets’ care, get your free quote today for a Family Plan.¹

Related Reads

Plans

5 min read

Is Pet Insurance Worth It

4 min read

What Does Pet Insurance Cover

4 min read

Ready to Insure Your Pets? Choose Our Family Plan

Explore Coverage Options

Sabrina has worked in pet insurance for nearly a decade and has loved seeing the industry’s growth and positive change. She lives in Louisville, KY, with her husband, two children, and their spoiled rescue Boston terrier mix, Mr. Ace.

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

¹ 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.

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

³ Annual limit options range from $500 – $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

⁴ When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

⁵ Based on a February 2025 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 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

⁷ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy. Illness coverage begins 14 days from the effective day of your policy.

⁸ 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. Not available to NY residents.

⁹ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife 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.

¹⁰ We do not cover all pre-existing conditions; just those covered by the previous provider.

¹¹ 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.

¹² Discount may not be available in all states. When coverage is purchased on-line, a premium discount will apply during the first year of the policy.

¹³ Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces.

¹⁴ Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.

¹⁵ Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.

¹⁶ The Affinity Group Discount is not available on policies issued to residents of MN or TN. The Employer Group Discount is not available on policies issued to residents of TN. These discounts are only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance (the discount is 10% for Employer Groups and 5% for Affinity Groups). In MN, the Employer Group Discount is called an “Employee Affinity Discount." In AK, Employer Group must be > 2+ employees and the employee must enroll through employer’s voluntary benefit or employee discount program via URL and/or toll-free number. In AK, for Affinity Groups, the policyholder must enroll through the affinity group's discount program via URL and/or toll-free number.

¹⁷ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. 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).

L0325047238[exp0327][xGU,MP,PR,VI]