MetLife Pet Insurance

Help Protect Your Pet From Costly Vet Bills

More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and happy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.

Visits to the vet can be unpredictable. According to 2022 Pet Parent Pulse Poll Findings, most pet parents are facing rising care costs to keep their pets happy and healthy, with 54% of owners worried about being able to care for their pets in the future with economic uncertainties.

  • 2.4M pets were adopted in 20201
  • $800-$1,500 is the average cost of an emergency vet visit for a dog2
  • 1 in 3 pets need emergency veterinary treatment every year3
About MetLife Pet Insurance

 

Features of MetLife Pet Insurance

  • Flexible insurance plans.
  • Freedom to visit any U.S. veterinarian and be reimbursed up to 90%4 of the cost of services.
  • Optional Preventive Care coverage.5
  • 24/7 access to Telehealth Concierge Services for immediate assistance.
  • Discounts up to 30%6 and additional offers on pet care, where available.
  • Coverage of previously covered pre-existing conditions when switching providers.
  • No breed exclusions.

MetLife Pet Insurance helps cover the costs of vet visits, accidents, illness, and more.

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Pet owners need MetLife Pet Insurance

  • Pet parents are spending more than $4,500 annually on pet care, according to 2021 Pet Wellness Month Survey Data.
  • A small monthly payment can help plan for these expenses.

Choose a plan that works for you and your pet

  • Levels of coverage from $500–unlimited.7
  • $0–$2,500 deductible options.8
  • Reimbursement percentages from 50%–90%9

MetLife pet insurance coverage

MetLife pet insurance provides your pet(s) with the following coverage:

  • Accidental injuries
  • Illnesses
  • Exam fees
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays and diagnostic tests

Coverage also includes:

  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Alternative therapies
  • Holistic care
  • and much more

Optional Preventive Care coverage

MetLife Pet Insurance can help pet parents save money at every stage of their pet’s life with optional Preventive Care coverage.5 This optional coverage means you can be reimbursed for a variety of wellness issues, from regular wellness visits to certain medications. Examples of what is commonly covered, includes:

  • Flea, tick, and heartworm medication
  • Spray or neuter
  • Microchip
  • Vaccinations
  • Teeth cleaning
  • Wellness exams
  • Blood panel
  • FeVI test
  • Fecal test
  • Heartworm test
  • Health certificate

Optional Preventive Care coverage5 can be added for an additional cost when choosing your policy features.

Additional benefits

  • Take your pet to any licensed veterinarian, specialist, or emergency clinic in the U.S.
  • If you’re claim-free in a policy year, MetLife will automatically decrease your deductible by $25 or $50.10

Why MetLife Pet Insurance

Simple and delightful experience

  • MetLife provides a MetLife Pet mobile app with features to help you manage your pet’s health and wellness, submit and track claims—with most claims processed within five (5) days.
  • Enjoy the MetLife team of pet advocates that assist with enrollment, service, and support with a 24/7 live vet chat.
  • There is no waiting period for orthopedic coverage and the shortest wait period for accident and illness coverage.11
  • MetLife’s new rewards program10 provides you with access to discounts on pet care purchases at select businesses. Access to available discounts are provided at no additional cost through your MyPets online account.

Multiple pet coverage

Get all the benefits of a standard MetLife Pet Insurance plan, but with one policy and a shared deductible for up to (3) three dogs and cats.12

  • Shared deductible: add up to three (3) dogs and cats onto the same policy, and hit your deductible faster.
  • Combine cats & dogs: there’s no need for multiple plans. Group your dogs and cats together for simplicity.
  • Flexible coverage: a shared annual limit means if one pet needs more coverage, you can allocate more of the limit to them, while still protecting your other pets.

With the MetLife Pet Insurance family plan, the covered expenses of all pets on your policy can contribute to the same deductible. Once you’ve met the deductible, all covered expenses for each pet on the policy are eligible for reimbursement. You can even customize your reimbursement rate, deductible, and coverage limit to fit your budget and your pets’ needs.

How to Enroll

To learn more, fetch a quote, or enroll:

Additional Information, Footnotes & Disclaimers


1Shelter Animals Count, Data Dashboards, 2020
2Rover “The Cost of Owning a Dog”, 2020.
32019-2020 APPA National Pet Owners Survey.
4Reimbursement options include: 70%, 80%, and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.
5For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.
6When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
7Annual limit options range from $1,000-$25,000 in $1,000 increments. There is also a $500 annual limit option for MetGen policies. Unlimited benefit option subject to availability. Pet age restrictions may apply.
8Deductible options range include: $0-$750 in $50 increments and $1,000, $1,250, $1,500, $2,000, and $2,500.
9Reimbursement options include: 70%, 80%, and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.
10Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.
11Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy is compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a January 2023 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.
12Family plan policies are limited to dogs aged 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.