How Pet Insurance Works

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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.

Pet Insurance — How it Works

What does pet insurance cover?3

MetLife Pet Insurance1 plans provide comprehensive cat or dog health insurance coverage3 with no per-incident or lifetime limits on the following:

  • Accidents
  • Illnesses (including hereditary, congenital & chronic conditions)
  • Hospitalizations
  • Surgeries
  • Diagnostic Tests
  • Exam Fees
  • Intervertebral Disc Disease (IVDD)4
  • Cruciate Ligaments4
  • Anterior Cruciate Ligament (ACL)4
  • X-rays
  • Ultrasounds
  • Medications
  • Holistic Care & Alternative Therapies
  • Emergency Care
  • Medial Cruciate Ligament (MCL)4
  • Posterior Cruciate Ligament (PCL)4
  • Cranial Cruciate Ligament (CCL)4
  • Routine wellness & preventive care5
  • And Much More!

What's Not Covered3

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



Every pet and pet parent is unique, so each pet's premium will be unique based on the species, breed, age, and zip code, as well as the coverage amount they select. This makes it easy to find a plan that works for you and your budget.

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 plans6. We also have flexible annual limits7 and deductibles8.

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 reimbursement6 via direct deposit or paper check.

The MetLife Pet app is available to policyholders on both the App store and the Google Play store. You can use the app to submit and track claims and much more.


It’s that simple.
A small monthly payment today can help keep your pet healthy and happy.

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 Approximately 80% of claims are processed within 10 days or less.

3 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.

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

5 Can be purchased at an additional cost.

6 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

7 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. 

8 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.