Cat Insurance From MetLife | Same-Day Customizable Plans

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Coverage for every stage of cat parenthood — helping you care without compromise, starting at $7 per month.¹ You love them like family. Protect them like it, too.

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or call 855-270-7387

Reasons To Insure Your Cat With MetLife Pet

Enroll cats of all ages⁴

From kittens to senior cats, there are no barriers to enrollment or continued coverage. Our accident and illness plan is for cats of all ages.

Customizable family plans

Build a plan that fits your needs and budget — and cover multiple pets under one policy with a shared deductible.⁴

Quick coverage

Life comes at you fast, and so should your coverage. We have a 0-day waiting period on accidents and Preventive Care benefits.⁵

Free 24/7 vet chat⁶

Get lightning-fast support, day or night, no matter where you are, with vet telehealth services in our mobile app.

Insure Your Cat Now

What Do Our Cat Insurance Plans Cover?

With coverage for a wide range of expenses, MetLife Pet’s plans can help you put your cat’s health before your wallet. Get reimbursed for care related to injuries and illnesses — like the ones below — plus the option to add coverage for routine and preventive care.³

Accidents and Injuries

Broken bones, foreign body ingestion, poisoning

Illnesses and Conditions

Diabetes, periodontal disease, hereditary and chronic disorders

Exams and Prescriptions

Emergency exams, prescription food, pain and anxiety meds

Procedures and Diagnostics

Surgeries, X-rays, blood work, hospitalizations

Holistic/Alternative Therapies

Acupuncture, laser therapy, hydrotherapy

ADD-ON

Optional Preventive Care

Vaccinations, teeth cleaning, flea and tick prevention

Learn More About Coverage

See the Potential Savings With MetLife Pet Insurance⁷

Dental Disease
Growth or Tumor
Urinary Tract Infection (UTI)
Diabetes

You Would Pay

$80

MetLife Pet Could Cover

$720

Total Vet Bill

$800⁸

You Would Pay

$54

Total Vet Bill

$60⁸

You Would Pay

$50

$450

Total Vet Bill

$500⁸

You Would Pay

$60

$540

Total Vet Bill

$600⁸

You Would Pay

$21

$189

Total Vet Bill

$210⁸

You Would Pay

$80

MetLife Pet Could Cover

$720

Total Vet Bill

$800⁸

Protect Your Pet Now

How To Use Our Cat Insurance

Take your cat to the vet

Whatever care your cat needs, take them to any licensed vet or emergency clinic across the country. There aren’t any networks!

Pay the bill, then send your claim

Pay your bill at the vet, then submit a claim with the invoice and records from the visit. We’ll contact your vet if we need more information.

Get reimbursed quickly

Covered claims are typically processed within 5 days.¹⁰ Then they can be reimbused through direct payments, like Zelle®¹¹, or paper checks.

Clover: Foreign Object

This 1-year-old Burmese cat living in Arizona swallowed plastic wrap and went to the vet to get it removed.

MetLife Pet covered $3,000 of the $3,800 bill.¹²

Bisquick: Urinary Obstruction

This 5-year-old Tabby cat living in New York City had a urinary obstruction and had surgery to address the condition.

MetLife Pet covered $3,800 of the $4,900 bill.¹²

FAQs About Cat Pet Insurance

Our cat insurance policy 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.^3,13,14 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.

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.⁴

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

Our standard cat insurance policy doesn’t cover vaccinations because they’re considered routine care — but our optional Preventive Care plan does. You can get reimbursed up to your annual limit for routine vaccinations, along with other fundamentals like teeth cleaning and flea, tick, and heartworm prevention.

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.³ 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 focus on your kitty’s well-being and ease the stress surrounding vet costs.

Getting pet insurance 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.

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.

Download a sample policy for more coverage details.

Ready To Enroll Your Feline Friend?

855-270-7387

Get a Quote

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

¹ 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.

² The Cost of Cat Parenthood in 2025,” Rover, https://www.rover.com/blog/cost-of-cat-parenthood/, last accessed October 2025

³Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.

⁴Coverage options may be limited for certain ages.

⁵ Accident and optional preventive care coverages begin at midnight Eastern Time on the effective date of the policy. There is a 14-day waiting period on illness coverage once the policy becomes

⁶ 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.

⁷ Examples are for illustrative purposes only. Please note that these examples do not include or account for any premium expense required to pay the pet policy. Actual premium rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. Examples are based on covered expenses on a policy with a 90% reimbursement after meeting a $250 deductible. The pet policy issued by MetGen is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

⁸ “How Much Does a Vet Visit Cost? (2025 Pricing),” MarketWatch, 2025, https://www.marketwatch.com/insurance-services/pet-insurance/how-much-does-a-vet-visit-cost/, last accessed October 2025

⁹ The cost of common dog and cat emergencies,” Betterpet, 2025, https://www.betterpet.com/learn/cost-guide-to-emergency-pet-care, last accessed October 2025

¹⁰Most claims are processed in 5-10 days, but processing may take longer in some cases.

¹¹ All Zelle^® marks used herein are the exclusive property of Early Warning Services, LLC. MetLife Pet Insurance is not authorized, endorsed, or sponsored by the respective owners of Zelle, or any other third-party marks.

¹²All claims paid amounts are based on MetLife Pet internal claims data from October 2023. These examples are for illustrative purposes only. These are based on policies with a $100 deductible and 80% reimbursement and a $250 deductible and 80% reimbursement. The pet policies issued by Metropolitan General Insurance Company are the governing documents with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policies to determine coverage in each individual case.

¹³ Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions apply.

¹⁴Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions apply.

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).

Coverage options may be limited for certain ages.

Most claims are processed in 5-10 days, but processing may take longer in some cases.

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Cat Insurance