MetLife Pet Insurance
More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and healthy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.
Select and enroll in the coverage that’s best for you and your pet. Plans can vary with the annual benefit maximum, deductible, coverage of preventive care and reimbursement percentage.
Additional Resources
To enroll
- Visit metlife.com/getpetquote
- Or, call MetLife at 1-800-GET-MET8 (1-800-438-6388)
MetLife FAQ
Similar to how other types of insurance work, such as health insurance for you and your family, pet insurance can help you be prepared for unexpected vet costs and routine care.[*]
Pets are family. Pet insurance helps ensure your pet gets the care they deserve by protecting their health and well-being while helping to protect your budget.
Take your pet to the vet, pay the bill and then send us your claim documents. You can file using our mobile app or online portal or via email, fax or mail. We process most claims within five days, and you'll receive reimbursement1 by check or direct deposit if the claim expense is covered under the policy.
MetLife Pet waiting periods are among the shortest for accident and illness coverage.2 Accident coverage and optional Preventive Care coverage begin on the effective date of your policy. Illness coverage begins 14 days later.
What are some of the items/services that pet insurance does not cover?
- Pre-existing conditions as defined in our policy (unless previously covered when switching pet insurance providers).
- Services performed by unlicensed veterinarians.
- Services or supplies provided outside of the U.S.
- Illness or injury that results from preventable or intentional incidents such as neglect, organized fighting or commercial activities such as racing exhibitions, law enforcement and guarding.
- Services or supplies that are not medically necessary, such as cosmetic procedures and grooming.
Visit metlifepetinsurance.com/coverage-exclusions for more details.
You can visit any U.S. licensed vet, emergency clinic or specialist. You and your chosen veterinarian can determine the best treatment plan and medical course of action for your pet.
Each pet’s premium is unique based on the age, breed, location and coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $50.5
Yes, you will be automatically eligible for a 10% Employer Benefit Discount.6
A variety of additional discounts may be available, including:
- Military, Veteran, First Responder and Healthcare Workers Discount.7
- Animal Care Discount.8
- Multi-pet discount9 (5% for the 2nd pet policy and 10% for each additional policy).
You can set up an automatic payment via credit card through the online portal or call center. ACH (electronic bank-to-bank payment) is available exclusively through our call center.
Every individual and their pet has unique needs—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 – unlimited3
- $0 – $2,500 deductible options.4
- Reimbursement percentages from 50% – 90%.1
*Not available for exotic pets.
1 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.
2 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy, compared to a wait time of two 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 2024 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.
3 Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply. Unlimited option not available for exotic pets. The maximum annual limit offered for exotic pet coverage is $10,000.
4 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. For exotic pets, deductible options are $0-$2,500.
5 Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.
6 The Affinity Group Discount is not available on policies issued to residents of MN or TN. The Employer Group Discount is not available on policies issued to residents of TN. These discounts are only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance (the discount is 10% for Employer Groups and 5% for Affinity Groups). In MN, the Employer Group Discount is called an “Employee Affinity Discount." In AK, Employer Group must be > 2+ employees, and the employee must enroll through employer’s voluntary benefit or employee discount program via URL and/or toll-free number. In AK, for Affinity Groups, the policyholder must enroll through the affinity group's discount program via URL and/or toll-free number.
7 Discount may not be available in all states. A discount is available to healthcare workers, first responders and serving/retired members of the armed forces.
8 Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.
9 Multi-policy discount is not available with Family Plans.