¹ Your pet’s deductible automatically decreases $50 each policy year that you don’t receive a claim reimbursement. May not be available in all states

² Based on a January 2021 review of publicly available summary information about competitor’s offerings. 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. 

³ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy 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 March 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.

⁴ “Pet Insurance of the Year” Award in the 2022 and 2023 Pet Independent Innovation Awards Program. 

⁵ Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued 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. Reimbursement options include: 70%, 80%, 90%. In addition, there is also a 50% option for MetGen underwritten policies only.

⁶ Examples are for illustrative purposes only. Please note that these examples do not include or account for any premium expense required to pay the pet policy. Actual premium rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. Examples are based on covered expenses on a policy with a 90%  reimbursement after meeting a $250 deductible. The pet policy issued by MetGen is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.  Cost info sourced from https://www.marketwatch.com/guides/pet-insurance/how-much-does-a-vet-visit-cost/ 2024 and https://betterpet.com/emergency-vet-costs/ 2024.

⁷ Testimonials are applicable to the individuals quoted. Your actual experience and results may differ. No one has been compensated for any testimonials. Pet Insurance Review 2024 https://www.petinsurancereview.com/insurers/metlife

⁸ 2022 “Lifetime of care study,” Synchrony, last accessed September 28, 2023

⁹ Optional Preventive Care coverage is included in the annual limit.

¹⁰ Reimbursement options include: 50%, 70%, 80% and 90%

¹¹ Annual limit options range from $500 – $25,000 in $1,000 increments. Unlimited benefit option subject to availability

¹² Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. 

¹³  Not available on policies issued to residents of TN. In MN, Discount is called an “Employee Affinity Discount”.

¹⁴ Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces. 

¹⁵ Not available on policies issued to residents of NY.

¹⁶ Premium discount of $1 per month when coverage is purchased on-line. Only available to residents of NY, NJ, NC, SC, and GA.  ** As with any insurance policy, coverage may vary.

** There is a 30% maximum total discount for all policyholders.

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject  to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

Virtual veterinary services are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken through Askvet.