One Pet Insurance Plan for Accidents and Illnesses
To make coverage simple, MetLife Pet Insurance offers one pet insurance plan — covering new accidents and illnesses — that you can customize according to your needs. Instead of choosing among multiple plans, select from different coverage levels to adjust your reimbursement rate, deductible, and annual limit.1
Check out the examples below to give you an idea of what a monthly premium might look like based on different coverage levels — and who that particular mix of coverage levels could be ideal for.
Balanced
This plan strikes a balance between lower monthly premiums and lower upfront out-of-pocket costs.
- 80% Reimbursement
- $2,000 Annual Benefit
- $250 Deductible
Most Popular
The higher annual limit and lower out-of-pocket costs mean you can focus on what’s best for your pet, not unexpected hits to your wallet.
- 80% Reimbursement
- $5,000 Annual Benefit
- $250 Deductible
High Deductible
This cost-effective plan is designed to be a safety net for serious incidents with serious bills.
- 80% Reimbursement
- $10,000 Annual Benefit
- $2,500 Deductible
Preventive Care Add-On
Our optional Preventive Care plan add-on can help you with routine and wellness expenses for your dogs and cats. Adding this coverage means you can get reimbursed, up to your selected benefit limits, for preventative pet care expenses like:
- Dental cleaning and care
- Vaccinations
- Spay and neuter
- Flea, tick, and heartworm prevention
- Microchipping
- Health screens
Save on Vet Bills You’re Already Paying
Tips for Choosing Budget-Friendly Coverage Levels
Let’s dig into the three key factors that impact a plan’s cost and how you may want to adjust them to fit your budget.
Annual benefit limit1
The maximum dollar amount you can be reimbursed per policy year. Select a lower limit for a typically lower monthly premium. Keep in mind you’ll need another way to manage vet expenses after you’ve hit your annual limit.
Reimbursement rate1
The percentage of your vet bill reimbursed by MetLife Pet. Choose a higher rate if you want more cash back on covered claims, but note your premium may increase. Decide if more cash back (higher rate) or a lower monthly premium (lower rate) is right for your budget.
Deductible1
The amount of money you must pay before MetLife Pet will reimburse a covered claim.1 A high deductible typically means a lower monthly premium, but you’ll pay more out of pocket upfront. Low deductibles usually raise your premium, but you could start getting cash back sooner.
Tips for Choosing Coverage Levels That Fit Your Pet's Needs
Think about your pet's age.
Senior and young pets may be more at risk for illnesses and accidents. Consider a higher reimbursement rate to help you cover larger expenses. Adding Preventive Care for extra routine puppy and kitten vet appointments can also be helpful.
Keep their breed in mind.
Certain breeds can be more prone to certain conditions. Do some research to get a general idea of the health issues each breed may encounter, then consider adjusting your annual benefit limit to accommodate a possible future diagnosis.
Consider their lifestyle.
Higher annual benefit limits or reimbursement rates may be favorable for social, active dogs and outdoor cats. Indoor cats and less-active dogs still benefit from pet insurance, but they might be fine with basic protection.
MetLife Pet Plan FAQ's
MetLife Pet Insurance plans include coverage for pet expenses related to new accidents and illnesses. Some of these expenses include vet visit exam fees, surgeries, hospitalization and emergencies, prescribed medication and food, holistic and alternative therapies, diagnostic tests, and treatments.
Your pet’s exact coverage can vary based on whether you added Preventive Care, whether your pet has any pre-existing conditions, and any specific exclusions outlined in the policy. For more information, check out our coverage and exclusions page.
Pre-existing conditions, obedience training, non-prescription food, elective or cosmetic procedures, grooming, and breeding are typically not covered by MetLife Pet plans. This also includes injuries or illnesses related to negligence, racing, coursing, commercial guarding, law enforcement, and organized fighting.
Routine and wellness expenses are also excluded from standard insurance coverage and can only be reimbursed through our Preventive Care add-on. Download a sample policy for more details.
Your pet’s age and breed can impact the cost of your pet insurance plan, but they aren’t barriers to enrollment. You can enroll your dog or cat in a MetLife Pet plan regardless of their age or breed.5
Pet age and breed could indirectly affect your pet’s coverage if they already have health issues that would be ineligible for reimbursement.1
The cost of our pet insurance can vary based on a few factors, such as your pet’s species, breed, gender, and age, as well as your zip code and the level of coverage you choose. Customizing your reimbursement rate, deductible, and annual limit can all affect your monthly premium.1
With MetLife Pet, coverage starts at $7 per month for one cat and $16 per month for one dog.2 If you decide to enroll your pets in a Family Plan, this can also impact how much your pet insurance policy costs.3
When you’re requesting a quote, you’ll fill out some basic information about your pet(s) and then proceed to step two — the “Customize Your Plan” section. You can choose to keep individual plans or combine multiple pets into a Family Plan.
Below the “Plan Details,” you can click Customize this Plan to add Preventive Care and choose between different reimbursement percentages, annual benefit amounts, and deductibles. Or you can click Compare plans to view a few preset plan options side by side.
If you’re looking for additional coverage options, give our pet advocates a call to customize your pet’s plan further. Once your policy is active, your plan can’t be changed. You’ll need to wait until your annual renewal period to make additional changes by calling customer support.
Start your quote, and fill out some basic information about your pet. In step two, “Customize Your Plan,” click Customize this Plan and choose which optional Preventive Care plan you want: Preventive 365 or Preventive 575. Your personalized monthly premium will update. You can also call our pet advocates to discuss additional Preventive Care options.
Call us at (844) 275-1136, and we’d be happy to help you create a plan that makes sense for your family.
We know choosing the right pet insurance provider is important. Our pet insurance provider comparison page quickly shows you how we compare — and stand out — next to other companies, while giving you the option to dive deeper with each provider.
Yes! We’re one of the only pet insurance providers to offer coverage for certain exotic pets. We’ve welcomed reptiles, rabbits, ferrets, and birds into our family of protected pals. Call us at (844) 275-1136, to see if we can cover your unique companion.5
Discover the plan that’s right for you
Get MetLife Pet Insurance
(855) 560-3089
