5 Reasons To Buy Pet Insurance


Reasons To Consider Pet Insurance

5 min read
Feb 04, 2022

When a pet emergency strikes, how financially prepared are you?
Veterinarian bills for an ill or injured pet can easily sky rocket, but even unexpected veterinarian visits can be financially problematic.

Did you know: 

  • Every six seconds a pet owner faces a vet bill of more than $1,000
  • Every two-and-a-half seconds, in the US, a pet receives emergency medical care
  • One in three pets requires emergency vet treatment annually
  • More than $15 billion will be spent this year, by US pet parents, on veterinary care alone

Here are 5 reasons to Consider Pet insurance:

1. Age and breed concerns. MetLife1 doesn't discriminate against specific breeds or the age of your pet. It can be more cost effective for a pet parent to buy a pet insurance policy when the pet is young because the premiums can be lower. If you’re adopting an older dog or cat, though, MetLife has no age cut-offs.

2. Veterinarian of your choosing. We never want to make a pet parent choose a different veterinarian. That's why MetLife policies allow you to pick your own veterinarian for your pet. 

3. Budget conscious options. When you invest in a pet insurance policy, you pay a monthly, quarterly, semi-annual or annual fee – which ever fits best into your family finances.

4. Peace of mind. As a general rule, most pet insurance policies reimburse for covered veterinarian expenses up to 80% of costs after you’ve met your deductibles.

When shopping for a pet insurance policy for your dog or cat, here are some questions to ask:

  • Does my pet need a physical exam to get coverage?
  • Is there a waiting period before coverage kicks in?
  • What percentage of the vet bill is covered, after we’ve met the deductible?
  • Is there a cap in annual payouts for vet bills?
  • Will the policy cover a pre-existing condition?
  • What if my dog or cat has recurring or chronic medical issues? Is that covered?
  • Can I choose any veterinarian?
  • Will prescription drugs be covered under the policy?
  • Am I covered if I travel with my pet and need to use an emergency vet clinic?
  • Will the policy pay the vet bills if my pet is being treated, but ultimately dies?

Consider Investing in Pet Insurance 

Looking for more ways to keep your pets happy and healthy? Consider investing in a pet insurance policy with MetLife Pet Insurance.1  Get your free quote today. 

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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.

2 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.