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PET INSURANCE
PET INSURANCE

MetLife Pet Insurance1 helps take the worry out of covering the cost of
unexpected visits to the vet with your furry family members.

Learn More
Our Pet Insurance
Our Pet Insurance
 * Dog Insurance
 * Cat Insurance
 * Coverage & Exclusions

About Pet Insurance
About Pet Insurance
 * How Pet Insurance Works
 * Is Pet Insurance Worth It?
 * FAQs



RESOURCES
PET RESOURCE CENTER

Pet health tips, fun DIY pet projects, frequently asked questions, and helpful
information about pet insurance.

Learn More
 * MetLife Pet Blog
 * Pet Care & Health
 * Breed Spotlights & Guides



CUSTOMER SUPPORT
CUSTOMER SUPPORT & CLAIMS

If you have questions about a claim or need help with your existing plan, our
friendly pet advocates are here to help you get on the right track.


Read More
 * File a Claim
 * MetLife Pet App




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Pet Insurance from M... Resources
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RESOURCES

We strive to be a source of pet information for policyholders and pet owners
alike.

FETCH YOUR QUOTE
Call Us : 855-270-7387

Pet Resource Center

The Pet Resource Center provides pet health tips, fun DIY pet projects,
frequently asked questions, and helpful information about pet insurance.


WHAT ARE YOU LOOKING FOR?



Independent Coverage


RESOURCES IF YOU ARE PURCHASING A PET PLAN ON YOUR OWN.

 * I want to get a quote and find out how much a policy may cost
 * I have an existing plan and want to file a claim

Coverage through Employer


RESOURCES FOR INDIVIDUAL POLICYHOLDERS, EMPLOYEES, AND MEMBERS WHO RECEIVE
COVERAGE THROUGH THEIR EMPLOYER.

 * I want to get a quote and find out how much a policy may cost
 * I have an existing plan and want to file a claim

Dog Insurance
Cat Insurance
Filing Pet Insurance Claims
Contacting MetLife Pet Insurance
Show More

RESOURCES



PET CARE & HEALTH

Helpful tips to prevent accidents from happening.


DOG BREED GUIDES

Discover our breed spotlights and breed guides.


PET FUN

Fun ideas to keep your furry friends entertained.
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COMPARE PET INSURANCE PLANS

See a side-by-side comparison of how MetLife stacks up to competitors

ASPCA
Nationwide
Pets Best
Healthy Paws


WANT TO LEARN MORE?



Is Pet Insurance Worth It?
5 min read

How Pet Insurance Works?
5 min read

How to File a Claim?
5 min read
Policy holder FAQ's


FREQUENTLY ASKED QUESTIONS (FAQS)

Below are the answers to some of our most asked questions to help get you
started. By way of disclaimer, you should know that they're all general in
nature and intended to teach you more about what MetLife can offer you and your
family. All the questions and answers assume that every policyholder and pet are
complying with our policy wording, and that you'll follow up with us with every
claim. Each situation and claim will be reviewed by a MetLife Insurance Claims
Expert on an individual basis, and policy wording will determine your pet’s
coverage.


FAQ'S

Expand All


WHAT IS PET INSURANCE?

Similar to health insurance for you and your family, pet insurance is coverage
for dogs and cats that can help you be prepared for unexpected vet costs. With
MetLife Pet Insurance,1 you may be able to cover2 up to 100% on the veterinary
care expenses from any licensed veterinarian, specialist or emergency clinic
across the U.S.



WHY DO I NEED PET INSURANCE?

Now more than ever, pets are playing a significant role in our lives, and it is
important to keep them safe and healthy. Perhaps you may have already
experienced the cost of veterinary care for your pet. The average annual cost
for a routine vet visit is $212 for a dog and $160 for a cat; and the average
annual cost for a surgical vet visit is $426 for a dog and $214 for a cat.3


HOW DOES PET INSURANCE WORK?

Our process is simple and straightforward. Take your pet to the vet and pay the
bill, then send your claim to us. You can file by using our mobile app, online
portal, email, fax or mail, and we’ll process your claim within 10 days.4 Then,
you’ll receive reimbursement5 by check or direct deposit if the claim expense is
covered under the policy.




WHEN DOES COVERAGE START?

MetLife Pet Insurance1 provides the shortest wait periods6 for accident and
illness coverage. Accident coverage and preventative care coverage (for those
who select it) begin on the effective date of your policy. Illness coverage
begins 14 days later.


WHAT DOES IT COVER?

Coverage2 includes: 

 * accidental injuries
 * illnesses
 * exam fees
 * surgeries
 * medications
 * ultrasounds
 * hospital stays
 * X-rays and diagnostic tests

And our coverage2 also includes:

 * hip dysplasia
 * hereditary conditions 
 * congenital conditions
 * holistic care
 * chronic conditions
 * alternative therapies
 * and much more!


WHAT DOES IT NOT COVER?

Pre-existing conditions may not be covered — enroll your pets today and help
make sure they’re protected.


CAN I VISIT ANY VET?

You can visit any licensed vet or emergency clinic in the U.S., and you and your
veterinarian of choice can determine the best treatment plan and medical course
of action for your pet. Once you’ve received and paid your bill, send it to us
and we will process your claim for reimbursement5 if the claim expense is
covered under the policy.




HOW MUCH PET INSURANCE DO I NEED?

We believe that every individual and their pet have unique needs. Hence we
provide the ability to customize your coverage. Coverage is flexible and
customizable so that you can choose the plan that works for you. Options
include:

 * levels of coverage from $500–unlimited8
 * $0–$2,500 deductible options9
 * reimbursement percentages from 50%–100%5


HOW MUCH WILL IT COST?

Each pet’s premium will be unique based on the age, breed, location, as well as
what coverage amount you select.10 Plus, if you go claim-free in a policy year,
we’ll automatically decrease your deductible by $25 or $50.11


ARE THERE ANY DISCOUNTS?

Yes, a variety of discounts are available including:



 * Employer Benefit Discount12
 * Affinity Group Discount12
 * Internet Purchase Discount13
 * Military, Veteran & First Responder Discount14
 * Healthcare Workers Discount15
 * Animal Care Discount16




HOW DO I PAY FOR MY COVERAGE?

You can set up an automatic payment from your bank or credit card with us. As
part of your group benefits, payroll deduction may be available.

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten
by Independence American Insurance Company (“IAIC”), a Delaware insurance
company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan
General Insurance Company (“MetGen”), a Rhode Island insurance company,
headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where
MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the
policy administrator authorized by IAIC and MetGen to offer and administer pet
insurance policies. MetLife Pet Insurance Solutions LLC was previously known as
PetFirst Healthcare, LLC and in some states continues to operate under that name
pending approval of its application for a name change. The entity may operate
under an alternate, assumed, and/or fictitious name in certain jurisdictions as
approved, including MetLife Pet Insurance Services LLC (New York and Minnesota),
MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate,
assumed, or fictitious names approved by certain jurisdictions.

2 Provided all terms of the policy are met. Application is subject to
underwriting review and approval. Like most insurance policies, insurance
policies issued by IAIC and 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.

3 2019-2020 APPA National Pet Owners Survey.

4 Approximately 80% of claims are processed within 10 days or less.

5 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is
also a 50% option for MetGen underwritten policies only and a 65% for IAIC
underwritten policies only.

6 Wait period for accident coverage is midnight EST compared to 2 to 15 days for
competitors; wait period for illness coverage is 14 days compared to 14 to 30
days for competitors, based on a January 2021 review of publicly available
summary information about competitors’ 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.

7 Delfino D. 42% of Millennials Have Been in Debt for Their Pet. LendingTree
website. https://www.lendingtree.com/personal/pet-financing/average-pet-debt/.
Accessed April 22, 2020.

8 Annual limit options range from $1,000−$25,000 in $1,000 increments. In
addition, there is also a $500 annual limit option for MetGen underwritten
policies. Unlimited benefit option subject to availability.

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

10 For IAIC underwritten policies only, premium will also be based upon the
pet’s gender. 

11 Your pet’s deductible automatically decreases by $25 (for IAIC underwritten
policies) or $50 (for MetGen underwritten policies) each policy year that you
don’t receive a claim reimbursement. May not be available in all states.

12 This discount is not available in Tennessee. This discount is only available
to individuals who are eligible members or employees of an entity that has
arranged for MetLife to offer pet insurance to its population. (For IAIC
underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for
Groups 51−999 lives. For MetGen underwritten policies, this discount is 10% for
Employer Groups of all sizes and 5% for Associations of all sizes.)

13 When coverage is purchased on-line, a premium discount will apply during the
first year of the policy.

14 A discount is available to serving and retired members of the Armed Forces &
First Responders.

15 For MetGen underwritten policies, a discount is also available to active
healthcare workers.

16 A discount is applicable to staff/owners of animal care facilities.


Quick Links

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Cat & Kitten Insurance
Frequently Asked Questions
How to File a Claim
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