Protection for your Furry Family Members

Stay prepared with a plan that meets their needs and your budget.

Kid playing with the Dog

Rest Easy 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 long and healthy lives.

MetLife Pet - Ahead of the Pack

Our award-winning4 protection lets you focus on getting the right care for your pets without worrying about the cost.

Flexible Protection

  • Various coverage options with no breed exclusions or upper age limits
  • Freedom to visit any licensed vet in the U.S
  • Custom deductible & reimbursement rates to fit your needs
  • Multiple pets covered on a single policy – an option offered only by MetLife Pet2

Significant Savings

  • Reimbursement of up to 90% of your bill
  • Competitive rates
  • Discounts for pet parents affiliated with the U.S. Government13, including Federal employees, Veterans & Uniformed Service Members
  • Deductible savings with our Healthy Pet incentive1

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 coverage3
  • Hassle-free claims and easy tracking with our pet mobile app

Unmatched Track Record

  • Awarded “Pet Insurance of the Year” in 2022 and 20234
  • Virtual vet concierge service
  • 15+ years of experience serving pet parents
  • 100+ years of experience in core & voluntary benefits

Dog Insurance

Coverage for puppies, adults & seniors starting at $15 per month5.

Cat Insurance

Coverage for kittens, adults & seniors starting at $9 per month5

We’ll help protect them at every stage.


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


What You Can Save6

You Pay


MetLife Pet Covers


Total Vet Bill


Protect Your Pet Now 1-888-865-6854

How It Works

See what our customers are saying7

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,, 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

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,, 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,, 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,, 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,, 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,, 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,, 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,, 9/30/2023

Rated 4.7/5 Based On 300+ Reviews

pet insurer review


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.8  Pet insurance can help you save on these costs.

Coverage can typically include:

  • Injuries
  • Illnesses
  • Exam fees
  • Surgeries and hospital stays
  • Medications
  • X-rays, ultrasounds, and diagnostic tests
  • Hip dysplasia
  • Hereditary and congenital conditions
  • Chronic conditions
  • Holistic care and alternative therapies

.... and much more!

You also have the option of adding 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%10
  • Higher rates can result in more cash back to you for approved claims.
  • Premium may increase with higher reimbursement rates.

Annual Benefit:  the maximum dollar amount you can be reimbursed per policy year

  • Options: $500 - unlimited11
  • Lower annual benefit limits typically lower your monthly premium. 

Deductible: the amount you must pay before MetLife Pet will pay a claim 

  • Options: $0 – $250012
  • Higher deductible amounts typically lower your monthly premium.

  1. Take your pet to any licensed veterinarian or emergency clinic in the U.S. and pay your bill.
  2. Send us your claim using our mobile app or online portal, email, fax, or mail. 
  3. 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. Most claims are processed within 5 days.

Our waiting period is among the shortest for accident and illness coverage.3 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 if you have no claims within a policy year.

Yes! A variety of discounts are available including:

  • 10% discount for pet parents who are affiliated with the U.S. Federal Government13 
  • Additional 10% discount for Serving Military, Veterans, 1st Responders and Healthcare Workers14
  • Additional 10% discount for staff/owners (including volunteers) of animal care facilities15
  • Additional discount of $1 per month when coverage is purchased on-line16

We can help handle the vet bill.
You handle the belly rubs.


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 2024 and 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

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

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.