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Dog Insurance

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

A dog insurance policy with MetLife Pet Insurance helps you to get the care your dog needs without worrying about the expense. We reimburse your covered vet bills based on what you're actually paying, not what we think your vet visits and treatments should cost.

Dog Insurance — How it Works

Why Do You Need Pet Insurance for Your Dog?

Covering your dog with a pet insurance policy is a responsible move, not only for your pup but for your wallet, too. Dog owners can spend $900 to $2,600 a year on routine veterinary care and medications.4 But this doesn’t include emergency vet visits that, on average, can cost between $150 and $1,200 per issue.5 Pet insurance can save you hundreds of dollars and provide peace of mind that you can afford care for your fur baby in the moments they need it most.

How Much Is Dog Insurance?

MetLife offers fully customizable insurance policies for all budgets. With insurance policies as low as $15 a month, we help ensure you can afford the coverage your pup needs. Learn more with our breakdown on pet insurance costs.

Pet Insurance for Dogs of All Ages

Puppy Insurance

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

Dog Insurance

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

Senior Dog Insurance

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

Our pet insurance plans cover common conditions that affect puppies from foreign body ingestion, to bite wounds, to distemper, so you can let your new pup play without worrying they'll need a trip to the vet.6


Our customizable and affordable dog insurance plans cover a variety of conditions such as ear infections, allergies, and sprains. Coverage of even minor injuries or ailments could save you hundreds of dollars in vet bills.6


Depending on their size, dogs become seniors anywhere from 7 – 11 years of age. MetLife Pet Insurance can help keep them healthy and happy into their older years.6


Flexibile Dog Insurance Plans

MetLife Pet Insurance

4 Reasons to Choose MetLife Pet Insurance

  1. We’re the only pet insurance provider that offers family plans, so you can cover all your pets under one policy.7
  2. Our wait periods are among the shortest compared to other pet insurance companies.8
  3. We’re here for you through every stage of pet ownership, from puppyhood to the golden years. We even have an option to cover grief counseling in the event of your pet’s death.
  4. We offer optional wellness coverage for routine checkups and vaccines.

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 — including conditions, illnesses, injuries, or symptoms that occurred prior to the coverage date and/or any applicable waiting period — may not be covered. Learn more about pre-existing conditions, and reference your policy for full details. 


"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 a 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



6 Essential Tips for Pet-Proofing Your Outdoor Living Space


What are you looking for?

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

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

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.

4 “Costs of Owning a Dog,” The Spruce Pets, 2021

5 “The Cost of Dog Parenthood in 2022,” Rover, 2022

6 All costs are based on MetLife internal claims data.

7 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.

8 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitors; wait period for illness coverage is 14 days compared to 14 to 30 days for competitors, 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.