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.
4 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.org, Last Accessed August 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: $0−$