Puppy Insurance From MetLife Pet | Get Award-Winning Coverage

Q: Does puppy insurance cover routine care?

Pet insurance helps you manage unexpected vet bills, but it doesn’t typically include coverage for routine care. However, MetLife Pet’s optional Preventive Care can be added to your puppy insurance plan to provide reimbursements, up to your selected benefit limit, for many of those routine vet costs in a puppy’s first year — including vaccinations and spay/neuter procedures.

Puppy parenthood starts early — so can coverage. Insure your pup from 8 weeks old with plans starting at $16 per month, and get reimbursed up to 90% on covered vet bills.^1,2

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What Do Our Puppy Insurance Plans Cover?

From zoomies to chewed-up shoes, puppyhood comes with surprises. Add unexpected vet visits and routine vet care, and the costs add up. MetLife Pet helps you cover eligible care, so you can keep your puppy’s adventures on track.

Illnesses

Coverage for puppy-related health issues, like:

Parvovirus
Heartworms
Ear infections
Intestinal parasites
Kennel cough

Injuries

Coverage for costs when pups get in a bind, like:

Foreign object ingestion
Fractures
Poisoning
Bite wounds
Dental/oral trauma

Preventive Care

Add-on coverage for extra routine costs in your puppy’s first year, like:

Vaccinations
Routine exams
Spay/neuter procedures
Microchipping

Learn More About Coverage

Why Is Puppy Insurance Worth It?

Enrolling your puppy in pet insurance at a young age can help you manage the cost of their earliest care needs and be proactive about the ones to come. These benefits highlight why puppy insurance may be worth it:

Emergency visit coverage

Puppies can be playful, curious, and accident-prone. One emergency vet visit might cost up to $1,750 or more, depending on the treatment required.³ Coverage can help you get the medical care they need and worry less about costs upsetting budgets.

Money back on costly treatments

Developing immune systems in puppies can mean a higher risk of contracting specific diseases, like parvo, lepto, heartworm, or distemper. Pet insurance could reimburse you for treatments that may cost nearly $10,000.^2,4

A lifetime of savings

You could save on vet costs through every stage of your puppy’s life, and hereditary conditions that might be ruled pre-existing conditions later on could already be covered. Plus, insurance premiums tend to be lower for puppies than older dogs.¹

How Does Puppy Insurance Work?

Surprise vet visits can be stressful — worrying about the cost of care shouldn’t add to that. MetLife Pet makes it easy to submit claims and get reimbursed.² Here’s a quick look at how our pet insurance works.

Visit the vet

Take your puppy to any licensed vet or emergency clinic in the U.S. when they need care. You don’t have to worry about a network of providers.

Submit your claim

After paying the vet bill, submit a claim with the invoice and records from the visit. We’ll reach out to your vet if we need more details.

Get reimbursed quickly

Claims are typically processed within 5 days.⁵ Covered costs are then reimbursed through direct payments, like Zelle^®6, or paper checks.

Chips: Ingested Toy

This puppy living near Newark, NJ, swallowed part of his toy while he was chewing on it. He had surgery to remove it.

MetLife Pet covered $7,000 of the $8,200 bill.⁷

Rio: Parvovirus

This puppy living near Phoenix, AZ, contracted parvovirus and became sick. He was taken to the vet for supportive care and treatment.

MetLife Pet covered $3,900 of the $4,900 bill.⁷

Reasons To Get Puppy Insurance With MetLife Pet

Same-day coverage

We offer 0-day waiting periods for accidents and optional Preventive Care. So you can start taking advantage of your benefits right away.

No per-incident limit

There are no caps for each type of incident. If your pup has the same injury or illness, you can get reimbursed up to your policy’s annual limit.^2,8

Free 24/7 vet chat⁹

Get lightning-fast support, day or night, from vets in our mobile app. So when you have puppy questions, you can turn to professionals.

Visit any licensed vet

Use our award-winning¹⁰ dog insurance across the U.S. Take your puppy on all of your trips and if they need care, visit any licensed vet.

FAQs About Pet Insurance for Puppies

Puppy insurance with MetLife Pet starts at $16 per month for one dog, but your exact price depends on a few factors — including your pet’s age.¹ As your puppy gets older, their risk for experiencing health conditions can rise. This increased risk tends to be offset, in part, by a rise in premiums.

Our customizable coverage makes it easy to find what works for your budget and your dog — from their first adventure to their golden years. Learn more about the factors that affect the cost of pet insurance.

Pet insurance helps you manage unexpected vet bills, it doesn’t typically include coverage for routine care. However, MetLife Pet’s optional Preventive Care can be added to your puppy insurance plan to provide reimbursements, up to your selected benefit limit, for many of those routine vet costs in a puppy’s first year — including vaccinations and spay/neuter procedures.

Puppy insurance plans from MetLife Pet typically don’t cover things like pre-existing conditions, elective or cosmetic procedures, grooming, obedience training, or breeding.

Anything that your puppy displayed symptoms of, was diagnosed with, or was treated for before they were enrolled in a policy — or during any applicable waiting periods — is usually considered pre-existing. MetLife Pet has a 0-day waiting period for accidents and Preventive Care coverage, and a 14-day waiting period for illnesses.

You can download a sample policy for more coverage details.

See More FAQs

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How Much Does An Emergency Vet Visit Cost?

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How Much Do Dog Vaccinations Cost?

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

³ “The Cost of Dog Parenthood in 2025,” Rover, 2025, https://www.rover.com/blog/cost-of-dog-parenthood/, last accessed February 2026

⁴ Vet costs based on MetLife Pet internal claims data from June 2023 to December 2023, unless otherwise noted.

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

⁶ 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.

⁷ All claims paid amounts are based on MetLife Pet internal claims data from October 2023 and November 2023. These examples are for illustrative purposes only. These are based on a policy with a $250 deductible and 90% 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.

⁸ Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions apply.

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 “2025 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).

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Puppy Insurance