Dog Insurance

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Dog Insurance

You can rest easier knowing your puppies, dogs and senior dogs are protected with MetLife Pet Insurance.1

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Call: 855-270-7387

We reimburse based on what you're actually paying at the vet's office, not what we think the treatment for specific conditions should be. MetLife Pet Insurance1 allows you to get your dog the care they need without worrying about the expensive cost of veterinary care.

Pet Insurance — How it Works

Take your dog to the vet

Visit any licensed vet, emergency clinic or specialist in the U.S. There's no network of providers to worry about.

Send us your claim

Pay your pet's vet bill, and send us your claim along with vet records and invoice from the visit.

Get money back quickly

We will follow-up with your vet for any missing info. Most claims are processed in less than 2 weeks.3

Coverage for Common Health Conditions

Puppies

Your new furry addition to the family may come with some unforseen vet bills.

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Dogs

Be prepared for any of the accidents or illnesses life might throw at your canine counterpart.

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Senior Dogs

We cover some of the most common ailments that affect senior dogs such as arthritis, heart disease, and diabetes.

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METLIFE PET INSURANCE

Dog Insurance Plan Options

MetLife Pet Insurance1 offers the flexibility to select various levels of coverage with no breed exclusions or upper age limits. We also offer innovative, industry-leading benefits, and competitive rates with discounts.

 

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What’s Covered2

  • Accidents
  • Illnesses (including hereditary, congenital & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • Cruciate Ligaments6
  • Anterior Cruciate Ligament (ACL)6
  • Medial Cruciate Ligament (MCL)6
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • Optional Preventive Care coverage (available at an additional cost)5
  • Pet food, special diet7
  • Parasite prevention and parasite treatment (available with optional Preventive Care coverage)5
  • Intervertebral Disc Disease (IVDD)6
  • Posterior Cruciate Ligament (PCL)6
  • Cranial Cruciate Ligament (CCL)6
  • And Much More!

 

What's Not Covered2

  • Elective Procedures
  • Expression or removal of anal glands or anal sacculitis
  • Breeding or conditions related to breeding
  • Vitamins, mineral supplements
  • Grooming costs and bathing (incl. medicated baths)
  • Illness or injury which arises out of racing, coursing, commercial guarding, or organized fighting of your pet
  • Organ Transplants

 

Pre-existing conditions may not be covered

Pre-existing conditions include conditions, illnesses, injuries or symptoms that manifested prior to the coverage date and/or any applicable waiting period.  Please see the policy for complete details.

PET PARENT TESTIMONIAL

"Because we had MetLife, we were able to do the targeted therapy for Molly at no cost to us. I've never been so happy in my life to have secured the best insurance! It was twice daily trip for a week, 2 hours each way, that we would never have been able to swing if MetLife hadn't been there for us." - Ashley, Molly's Mom

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Independent Coverage

Resources if you are purchasing a pet plan on your own.

Coverage through Employer

Resources for individual policyholders, employees, and members who receive coverage through their employer.

  • I want to get a quote and find out how much a policy may cost
  • I have an existing plan and want to file a claim
Filing Pet Insurance Claims
Contacting MetLife Pet Insurance
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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 Approximately 80% of claims are processed within 10 days or less.

4 All costs are based on MetLife internal claims data.

5 Can be purchased at an additional cost.

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

7 Included in MetGen underwritten policies only.