Pet Insurance | MetLife

Pet Insurance | MetLife
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Pet Insurance

No matter what unpredictable antics your furry family member gets into, your family isn’t complete without them. With pet insurance, you can feel confident that their health and your wallet are protected if you’re faced with an unexpected trip to the vet.
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Here's what you need to know

This plan reimburses you for your eligible veterinary visits and other pet healthcare expenses, helping make quality care for your pet more affordable for your budget. 

 

With MetLife Pet Insurance1, you get cash back for a percentage of the cost of your pet’s medical needs.

 

  • Flexible coverage with up to 90% reimbursement2 and freedom to visit any U.S. licensed vet
  • Only provider to offer family plans3, covering multiple cats and dogs on one policy
  • 24/7 access to Telehealth Concierge Services because accidents and illnesses don’t always wait for your vet to be open
  • Discounts up to 30%4 and additional offers on pet care, where available
  • Optional Preventive Care coverage5
  • Coverage of previously covered pre-existing conditions when switching providers
  • MetLife Pet mobile app to submit and track claims, manage your pet’s health and wellness, and find nearby pet services

 

Coverage includes costs associated with:

 

  • Accidents like broken bones, sprains, lacerations, and poisoning
  • Illnesses like allergies, ear infections, arthritis, and cancer
  • Diagnostics, surgeries, hospitalization, and more

 

These examples are just a few of the many conditions covered by the plan. There is far more covered than not covered, but there are limitations. See your policy documents for more details.

Your pet is a member of your family, and you don’t want to postpone or avoid care for them because the bill will break your budget. That’s why this pet insurance option – a comprehensive plan at an affordable price – is a great solution.

 

This coverage can be essential for any pet owner who wants to keep their pet in good health and top shape with routine visits to the vet. And it can be even more essential if your pet develops a chronic illness or is involved in a serious accident.

 

When you have pet insurance, you have the peace of mind that comes from knowing your beloved pet can see their favorite vet and that you can afford the treatment, tests, and prescriptions they deserve to get well.

You can enroll anytime! 

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

 

How It Works

Number one Enroll now icon

Enroll in the coverage that's best for you and your pet

Number two Vet insurance icon

Take your pet to the vet

Number three Paperwork icon

Pay the bill within 90 days and send it with your claim documents to MetLife

Number four Giving cash icon

Receive reimbursement2 by check or direct deposit if the claim expense is covered under the policy

Your dog’s energy levels suddenly drop and he stops eating.

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Thank goodness you have pet insurance.

After visiting the vet, you learn your pet ate something they weren’t supposed to and needs surgery. The surgery is successful, and after submitting a claim, you’re reimbursed up to 90% for the eligible bills associated with the procedure.

Frequently Asked Questions

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  • Who is the provider?

    MetLife Pet Insurance Solutions LLC

     

    MetLife is a dependable partner with 100+ years of experience in core and voluntary benefits. Caring and passioante pet advocates have been serving pet parents and their communities for 15+ years.6

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  • Who in my family can use this program?
    While the program is only available for you to sign up through your employer, you can get quotes for all your dogs and cats.  
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  • How much does this coverage cost?
    Each pet’s premium will be unique based on the age, breed, location, and gender, as well as what coverage amount you select.
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  • What if my employment status changes?
    Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • When would my coverage start?

    Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

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Do You Need Help?

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Phone Number: 1-800-000-0000

 

 

 

 

  • Legal Disclaimers

    1Coverage 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 1 60, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for complete details. MetLife Pet is the policy administrator. The entity may operate under an alternate, assumed, or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

     

    2Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

     

    3Based on a January 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.

     

    4When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

     

    5For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.

     

    6 MetLife Pet Insurance Solutions LLC (fka “PetFirst Healthcare, LLC”), a MetLife company, has over 15 years of experience serving pet parents.

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation