Cat Insurance

MetLife Pet’s cat insurance starts at $7 a month for one cat, but your rate depends on factors like your cat’s age, breed, and your zip code.¹ The exact amount is also based on the reimbursement rate, annual limit, and deductible you choose.^2,12,13 Adding optional Preventive Care coverage or insuring multiple pets can also affect the overall cost.

But with flexible pet insurance plans, MetLife Pet makes it easy to find coverage that’s cost-effective and supports your cat’s health at every stage of life.

MetLife Pet cat insurance plans typically don’t provide coverage for things like pre-existing conditions, elective or cosmetic procedures, grooming, obedience training, or breeding.

Pre-existing conditions include anything that your cat displayed symptoms of, was diagnosed with, or was treated for before enrollment or during any applicable waiting periods. MetLife Pet has a 0-day waiting period on accidents and Preventive Care benefits, and a 14-day waiting period on illnesses.

Download a sample policy for more coverage details.

MetLife Pet’s cat insurance can be used at any licensed vet, specialist, or emergency animal hospital in the United States! You don’t have to worry about “in-network” and “out-of-network” providers or pet health insurance cards.

The easiest way to file a claim is through our mobile app or desktop portal. Simply log in, start a new claim, upload the itemized invoice and SOAP notes (your pet’s medical record) from the vet visit, and submit! From there, you can track the status of your claim and view the Explanation of Benefits (EOB) when it’s processed.

You have 90 days from the vet invoice date to submit a claim for reimbursement. Once it’s processed, reimbursable expenses will be sent to you via direct payments or paper checks.

Get coverage for all of your furry companions with pet insurance for multiple pets. Add up to three pets (cats and dogs allowed) on a single policy with a shared deductible to save even more money.⁹

We also offer dog insurance for your pup companions and may be able to cover certain exotic pets — like rabbits, birds, ferrets, and reptiles.¹⁴

Choosing the best pet insurance starts with a few key considerations.

First, examine your budget — including the monthly premium you’re comfortable with and how much reimbursement you’d want for eligible expenses.² Next, think about your cat’s current and future health needs to decide whether accident-only or accident and illness coverage makes the most sense, in addition to optional wellness coverage you might want. Finally, review which expenses matter most to you, such as exam fees, dental care, or coverage for senior cats.

See how we compare to other pet insurance providers to help you find the right fit.

Getting pet insurance for cats at any time can be a great idea! Usually, the sooner you can enroll your cat in a pet insurance policy, the better your chances they’ll be covered for new health conditions and vet bills.

You may find that a good time to get cat insurance is before pre-existing conditions arise, when it helps protect your finances and is within your budget, or while your pet is young.

Yes, purchasing a policy for your indoor cat can be worth it in the long run. While indoor cats face fewer outdoor risks, they’re still vulnerable to certain illnesses, injuries, and age-related health issues. Unexpected vet bills for digestive issues, dental problems, or chronic conditions can add up quickly.

Senior cats can also benefit from pet insurance. While some of their health issues might fall under a pre-existing condition exclusion, you could still get reimbursed for new accidents and illnesses.² This might make it easier to manage unexpected vet bills if you’re already paying for chronic condition costs.

Ultimately, the financial protection of a cat insurance policy can help you say yes to the medical care your feline needs, especially when hidden health conditions arise.

At MetLife Pet, people and pets come first. Many of our team members are pet parents, and 90% of our claims adjusters have experience as vet techs. Our love for animals extends beyond insurance: We’ve supported more than 500 shelters nationwide through donations, fundraising, and local events to help pets find their forever homes.

Named “Pet Insurance of the Year” in 2025 — and every year since 2022 — we’re proud of the trust pet parents place in us.¹⁵ Discover what policyholders are saying about their pets’ coverage with MetLife Pet on Trustpilot.