PET CARE & HEALTH
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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
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
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
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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
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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
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4 Reasons to Choose MetLife Pet Insurance
- We’re the only pet insurance provider that offers family plans, so you can cover all your pets under one policy.7
- Our wait periods are among the shortest compared to other pet insurance companies.8
- 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.
- 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.
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 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