Pet Insurance is like Car Insurance

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Pet Insurance is like Car Insurance
we know you love your pets and they are part of your family. But, insurance for dogs and cats is more like your car insurance than your medical insura

Similarities of Pet Insurance and Car Insurance

Pet insurance and car insurance are more alike than you might think. Why?

Premium Cost Calculation

When you buy car insurance, you must provide the make, model and year of your car, as well as where you live. This allows the insurance company to access the risk of expenses should you get into an accident. Same is true with pet insurance. You provide the species, breed and age of your pet, as well as where you live. The premium you pay correlates to your pet’s risk of expenses. With car insurance, a brand new Lamborghini is going to be more expensive to insure than a 1982 Buick. With pet insurance, coverage for an 8 year old Boxer is going to be more expensive than a 1 year old mixed breed dog.

Out of Pocket Expenses

Your car insurance helps you pay for damage to your car. However, there is still general maintenance you pay for out of pocket. Your car insurance doesn’t pay for gasoline in your car, new windshield wipers, oil changes, or new tires – you know these are expected expenses when you own a car. Pet insurance is very similar. It helps reimburse veterinary costs for accidents and illnesses like ear infections, broken bones and cancer. However, expected expenses like grooming, vaccinations, flea & tick preventative are all expected costs of pet ownership, and generally pet insurance doesn’t cover routine wellness expenses.

You should consider buying insurance as early as possible in your pet’s life. Think about it this way… when you buy a car, you purchase car insurance. When you add a furry friend to your family, consider buying pet insurance to provide a financial safety net should you need it.

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

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. 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. 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.”