How Pet Insurance Works
Insurance can be confusing. That's why try to make ours simple to use and easy to understand.
We know pets are like family and when they get sick or injured it can be a stressful time, but MetLife Pet Insurance1 can help by covering some of the costs for your pet’s vet bills. Sometimes insurance can be confusing, but we have made our product as clear and straightforward as possible.
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 bill at the vet, and send us your claim along with vet records and invoice from the visit.
Get money back quickly
MetLife will follow-up with your vet for any missing info. Most claims are processed in less than 2 weeks.2
What’s Covered?3
- Accidents
- Illnesses (including hereditary, congenital & chronic conditions)
- Hospitalizations
- Surgeries
- Diagnostic Tests
- Exam Fees
- Cruciate Ligaments4
- Anterior Cruciate Ligament (ACL)4
- Medial Cruciate Ligament (MCL)4
- X-rays
- Ultrasounds
- Medications
- Holistic Care & Alternative Therapies
- Emergency Care
- Optional Preventive Care coverage (available at an additional cost)5
- Pet food, special diet10
- Parasite prevention and parasite treatment (available with optional Preventive Care coverage)5
- Intervertebral Disc Disease (IVDD)4
- Posterior Cruciate Ligament (PCL)4
- Cranial Cruciate Ligament (CCL)4
- And Much More!
What's Not Covered3
- 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.
FAQ's
How much does Pet Insurance cost?
Every pet and pet parent is unique, so each pet's premium will be unique based on the breed, age, and zip code, as well as the coverage amount they select6. This makes it easy to find a plan that works for you and your budget.
How much will I get back on my pet’s vet bills?
How much reimbursement you receive on your pet’s vet bills is determined by what plan you choose. We understand that no two pet’s or pet parent’s needs are the same. That is why we offer a wide range of plans to accommodate. We offer plans that have a reimbursement rate of 50% all the way to 100% reimbursement plans7. We also have flexible annual limits8 and deductibles9.
How will I get money back on my pet’s vet bills?
Pet Insurance works on a reimbursement model. This means you pay any bills at the vet, then submit your claim documents to us. You can submit your claim in numerous ways- via our mobile app, online portal, email, fax or mail . Most covered claims are processed within 10 days and pet parents can get reimbursement7 via direct deposit or paper check.