Pet Insurance is Not Like Human Insurance

2 min read
Feb 07, 2022

Pet health insurance plans don't just have financial benefits; they can also give pet parents the peace of mind they deserve. There's comfort in knowing you'll be able to care for your pets, no matter what comes.

How Does Pet Insurance Work?

Some people wrongly assume that pet insurance for dogs and cats works like their own health insurance.

Unlike your own healthcare insurance, pet insurance is based on owner reimbursement. This means you can use any licensed veterinarian, clinic, emergency animal hospital, or specialist in the United States. That's right, there's no network or approved providers to worry about. You can choose the providers that are right for you and your pet, no matter what.

Here's how pet insurance works in practice: 

  • You take your pet to the vet
  • You pay the veterinary bill like normal
  • You send in your claim, invoice, SOAP notes, and any other paperwork required by your pet insurance company
  • Reimbursement for covered and approved claims can then arrive in less than two weeks!

Whether you're a proud cat owner or one of the millions of U.S. households with a dog, healthcare for pets is a necessity. Don't leave your pet's health to chance; consider investing in a pet insurance policy.

Nothing in this article should be construed as financial, legal or veterinary advice. Please consult your own advisors for questions relating to your and your pet’s specific circumstances.

1 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.