A resource center created for vets using veterinarian insights.

How Pet Insurance Helps Veterinarians

One of the largest challenges facing veterinarians is getting pet parents to follow through on recommendations for pet care. Pet insurance may be a good solution. More importantly, clients with pet insurance are more likely to accept recommended treatment plans and not be restricted by the cost of care.

The American Veterinary Medical Association approves the concept of pet insurance, asserting that speaking with clients about pet health insurance may be a way to help improve patient care, and even increase patient visits. In fact, pet parents who have pet health insurance spend more in veterinary care each year than those without.3

To support pet health professionals, MetLife Pet Insurance1 spoke with veterinarians. They indicated a belief in the benefits of pet insurance, but expressed the need for more resources to educate their clients. MetLife is striving to make learning about pet insurance simple by offering free marketing materials including brochures, posters and health & wellness printouts mailed directly to your office. We are also available to answer your questions via our dedicated veterinary support phone line and live chat.


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$49 for dogs and $29 for cats

Average accident & illness monthly premium.4

50% of dog and 43% of cat owners

turn to their veterinarian when looking for pet care information.5

62% of pet parents are concerned

about their pet developing illnesses because they might not be able to afford the cost of their pet's health over time.6

50% more pet owners 

would purchase insurance if their veterinary teams recommended it.7

Pet Owner Claim Story


Hassle Free Pet Insurance by MetLife

5 Quick Tips for Talking to Clients about Pet Insurance

Not sure how to start the conversation with a client about pet insurance? When speaking to pet parents, remember the goal is to make them aware of the availability of pet insurance, not to sell them insurance. We recommend keeping it simple and focusing on what’s most important. You may also want to share a pet insurance success story. To learn more, see the tips below or download our free guide.

1.  Pet care can be expensive.  Pet insurance can help.

  • MetLife Pet Insurance offers competitive rates, deductible savings and are the only provider offering family plans.

2. Standard plans offer coverage for accident and illness.

  • In addition to accident and illness plans, MetLife Pet Insurance offers optional preventive care coverage included in the annual benefit limit.

3. Research different plan options.

  • MetLife Pet Insurance has flexible plans with the option to customize deductible, annual benefit limit and reimbursement %.

4.  Pay attention to hereditary condition exclusions.

  • MetLife Pet Insurance provides coverage for breed specific and hereditary conditions.

5. Reduce pre-existing condition exclusions.

  • Many plans exclude pre-existing conditions. Starting coverage when a pet is young and healthy may help reduce exclusions. 

Pet Owner Testimonial


What Makes MetLife Pet Insurance a Great Choice?

Common Pet Insurance Questions 

Similar to health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With MetLife Pet Insurance,1 you may be able to cover12 up to 100% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

Pet insurance policies can cover a range of accidents, injuries and illnesses, including:


  • Accidents
  • Illnesses (including hereditary, congenital & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • Cruciate Ligaments15
  • Anterior Cruciate Ligament (ACL)15
  • Medial Cruciate Ligament (MCL)15
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • Optional Preventive Care coverage (available at an additional cost)15
  • Pet food, special diet14
  • Parasite prevention and parasite treatment (available with optional Preventive Care coverage)14
  • Intervertebral Disc Disease (IVDD)16
  • Posterior Cruciate Ligament (PCL)16
  • Cranial Cruciate Ligament (CCL)16
  • And Much More!


Yes. Pet insurance can be offered as an employee benefit.

We believe that every individual and their pet have unique needs. Hence we provide the ability to customize your coverage. Coverage is flexible and customizable so that you can choose the plan that works for you. Options include:

  • levels of coverage from $500–unlimited17
  • $0–$2,500 deductible options12
  • reimbursement percentages from 50%–100%18





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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.

3 Access to Veterinary Care Coalition “Access to Veterinary Care”, 2018. 

NAPHIA 2022 State of the Industry Report. MetLife Pet Insurance premium rates are based on pet demographics and coverage selected.

5 APPA National Pet Owner Survey 2021-2022

6 OnePoll and MetLife Civic Survey, 2021, Last Accessed August 2022

7 NAPHIA,, Accessed September 2022

8 Based on the experience of a real MetLife Pet Insurance policy holder. Individual’s information has been changed for privacy.

9 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.

10 Your pet’s deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

11 Based on a January 2022 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

12 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% option for IAIC underwritten policies only.

13 May not be available in all states.

14 Included in MetGen underwritten policies only.

15 Can be purchased at an additional cost.

16 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

17 Annual limit options range from $1,000−$25,000 in $1,000 increments. In addition, there is also a $500 annual limit option for MetGen underwritten policies. Unlimited benefit option subject to availability.

18 Deductible options range include: $0−$