MetLife Pet - Ahead of the Pack
Our award-winning2 protection lets you focus on getting the right care for your pets without worrying as much about unexpected costs.
Protection for your Furry Family Members
Stay prepared with a plan that meets their needs and your budget.
NEW for the Federal Family!
Pet Insurance for the Federal Family
Customizable coverage at discounted rates1 for up to 90% of unexpected petcare costs – vet visits, procedures, meds & more – no matter the breed or age.
Rest Easier Knowing They’re Protected
We get it. Pets are like family. And when a family member is sick or injured, we do whatever it takes to fix it. But veterinary costs can add up quickly. That’s where we come in.
With MetLife Pet Insurance, you can feel more confident about getting the care your pets need to live longer and healthier lives.
Flexible Protection
- Various coverage options with no breed exclusions or upper age limits3
- Freedom to visit any licensed vet in the U.S
- Custom deductible4 & reimbursement5 rates to fit your needs
- Multiple pets covered on a single policy6
Significant Savings
- Reimbursement of up to 90%5 of your bill
- Competitive rates
- Discounts for pet parents affiliated with the U.S. Government7, including Federal employees, Veterans & Uniformed Service Members
- Deductible savings with our Healthy Pet incentive8
Easy Access
- Quick enrollment – online or by phone
- No initial exam or prior vet records required to enroll
- Wait periods among the shortest for accident and illness coverage9
- Hassle-free claims and easy tracking with our pet mobile app
Unmatched Track Record
- Awarded “Pet Insurance of the Year” in 2022, 2023 and 20242
- Virtual 24/7 live vet chat10
- 15+ years of experience serving pet parents
- 100+ years of experience in core & voluntary benefits
OUR PRODUCTS
We’ll help protect them at every stage.
1-888-865-6854
What’s Covered
Our Standard plan can help reimburse vet bills related to unexpected injuries and illnesses.
Accidents and Injuries
Broken bones, cruciate ligament tears, poisoning
Illnesses and Conditions
Cancer, hereditary and chronic disorders, gum disease
Exams and Prescriptions
Emergency exams, anxiety meds, prescription food
Procedures and Diagnostics
Surgeries, hospitalizations, x-rays, labs
Holistic/Alternative Therapies
Acupuncture, laser therapy, hydrotherapy
Our optional Preventive Care add-on can help you save big on the predictable.
Preventative Care
Including annual exams and routine vaccines
Spaying & Neutering
Perfect for your youngest furry friends
Parasite Prevention
Heartworm, flea, and tick meds
Dental Work
Even cleanings and anesthesia
View Coverage & Exclusions for further details.
Unleash Savings With MetLife Pet Insurance
Illnesses
-
Skin Allergies
-
Growth or Tumor
-
Heart Disease
-
Diabetes
Accidents
-
Broken Bone
-
Severe Trauma
-
Poisoning
-
Cruciate Ligament Tear
Preventive Care
-
Dental Cleaning
-
Spay or Neuter
-
Vaccination
-
Parasite Prevention
PARASITE PREVENTION
What You Can Save6
You Pay
$21
MetLife Pet Covers
$189
Total Vet Bill
$210
More resources on parasite prevention:
Protect Your Pet Now
1-888-865-6854
How It Works
Take your pet to the vet
Visit any licensed vet, emergency clinic or specialist in the U.S. There's no network of providers to worry about.
Send us your claim
Pay your vet’s bill. Then send us your claim, your invoice and vet records.
Get money back quickly
Track claims and get reimbursed quickly for covered claims with our pet mobile app. Most claims are processed in 5-10 days12.
See what our customers are saying13
MetLife Pet Is a Great Choice
I analyzed at least 10 other insurance companies, and MetLife Pet insurance far exceeded the value of all other insurance companies. All of the companies had caps whereas MetLife Pet was a straight 90% (you can choose a less % for a lower premium) on all claims after your deductible has been met. It was a no-brainer. MetLife Pet makes the claims process seamless.
Floups,
petinsurancereview.com, 11/10/23
One Less Thing to Worry About
When your loved one, in this case your dog, is sick, you have so many things to worry about. One of them may probably be affordability. MetLife Pet Insurance is great! Customer service is helpful with all my questions. They work with your vet office to get all the necessary paperwork to process your claim.
P,
petinsurancereview.com, 11/09/23
Easy claims process and quick payment
I sent the claim in and heard back a few days later that it was accepted. Payment was on the way a couple days later. Not too difficult to do. Thank you!
Joyce,
Petinsurancereview.com, 11/08/2023
I saved so much on the unexpected
I am glad I decided to get this. Since I have started this insurance my dog has had ACL surgery, started seasonal allergies, and has had a clogged tear duct procedure. Usually we are only at the vet once a year for shots! This saved me so much money for all that unusual stuff that happened this year. I have been telling all of my family and friends to get it.
Lisa,
petinsurancereview.com, 11/02/2023
MeLife Pet offers great wellness benefits
This is my first dog ever. I adopted him as a 7 year old rescue. Being older myself, I knew health care is important. I did a lot of research and MetLife Pet offered the most benefits, including wellness. They are quick to get to, easy to file claims, and even include flea, tick, and heartworm meds all under one deductible. I am very pleased.
Sharon,
petinsurancereview.com, 11/01/2023
I was able to give my dog the best care
This company has been absolutely fabulous to deal with since I first signed up with them. My Australian Kelpie is a rescue. Shortly after we got her, she developed a cancerous kidney and had to have it removed. MetLife Pet took care of the claim in record time, and each time the sweet old girl has had an issue, their settlement time and payout.
Linda,
petinsurancereview.com, 10/31/2023
We dont have to fear paying vet bills
Having 3 dogs is already expensive, and finding affordable coverage was mind-numbing. We had another company for a few years but could only afford accident/routine care. Even then, they found a reason to deny or lowball almost every claim. Since switching to MetLife Pet, we've had one dog hospitalized and another began treatment.
Jaime,
Petinsurancereview.com, 10/17, 2023
Emergency vet costs nearly covered!
A new puppy means everything goes in the mouth despite being crated and watched like a hawk. Well, something hurt her GI tract and she had fluids coming out of both ends. An emergency hospital visit and 4 days later, the vet bills were over $5,000! Thank goodness I had MetLife Pet insurance! Once I submitted a claim online and uploaded documents (a breeze), they paid nearly all of my bills. I’ve had other pet insurance over the years, and MetLife Pet far exceeds my experiences with the previous companies.
Laura,
petinsurancereview.com, 10/13/2023
MetLife Pet has always taken care of us
We have had MetLife Pet insurance since our dog was a pup and they have always taken great care of us. Their claim service is so easy and communication is always there if we ever have questions. Highly recommend it!
Jennifer,
petinsurancereview.com, 9/30/2023
FAQs
Expand All
Pets play a significant role in our lives, so providing the care they need is important. The average annual cost for health-related expenses can range from about $500 to $1,200 for a dog and $400 to $1,000 for a cat.14 Pet insurance can help you save on these costs.
Reimbursement for covered fees you incur for treatment of, including but not limited to the following:
- Injuries
- Illnesses
- Exam fees
- Surgeries and hospital stays
- Medications
- X-rays, ultrasounds, and diagnostic tests
- Hereditary and congenital conditions
- Chronic conditions
- Holistic care and alternative therapies
You also add Optional Preventive Care for extra wellness coverage for regular care.
For more details on what can be covered and what isn’t covered, view Coverages & Exclusions or this sample MetLife Pet Insurance policy document. Please note that this is only a sample policy and that state variations might be applicable.
We believe that every individual and their pet have unique needs. That’s why we allow you to customize your accident & illness plan. You can choose what works best for you for each of the following:
Reimbursement Percentage: the percentage of your vet bill reimbursed by MetLife Pet
- Options: 50%, 70%, 80% or 90%5
- Premium may increase with a selection of a higher reimbursement percentage for the policy.
Annual Benefit: the maximum dollar amount you can be reimbursed per policy year
- Options: $500 - unlimited15
- Lower annual benefit limits typically lower your monthly premium.
Deductible: the amount you must pay before MetLife Pet will pay a claim
- Options: $0 – $250016
- A Higher deductible amount selected for your policy will typically lower monthly premium.
- Take your pet to any licensed veterinarian or emergency clinic in the U.S. and pay your bill.
- Send us your claim using our mobile app or online portal, email, fax, or mail.
- If your claim expense is covered by your policy, we’ll reimburse you either by check, direct deposit or quick-pay options like ZelleTM and Apple PayTM . 17 Most claims are processed within 5-10 days.12
Our waiting period is among the shortest for accident and illness coverage.9 Accident coverage and wellness coverage, if selected as an additional plan option, begin on the effective date of your policy. Illness coverage begins 14 days later.
Your premium depends on the age, breed, and location of your pet, the coverage amount you select, and the amount of any discounts for which you might be eligible.
Your deductible will automatically decrease by $50 each policy year if you have no claim reimbursements within a policy year.8
Yes! A variety of discounts18 are available including:
- 10% discount for pet parents who are affiliated with the U.S. Federal Government7
- Additional 10% discount for Serving Military, Veterans, 1st Responders and Healthcare Workers
- Additional 10% discount for staff/owners (including volunteers) of animal care facilities
- Additional discount of $1 per month when coverage is purchased on-line
We can help handle the vet bill.
You handle the belly rubs.
1-888-865-6854