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 plans,3 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.

 

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MetLife Pet Insurance Benefit Overview

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 passionate 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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  • 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, online portal, e-mail, fax or mail, and we’ll process your claim within 10 days.7 Then, you’ll receive reimbursement by check or direct deposit.1
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  • What if my employment status changes?
    Coverage is effective the first of the month following enrollment. If you elect in pet insurance online or by phone, you will be sent a welcome email confirming your policy details.
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  • When would my coverage start?

    Coverage is effective the first of the month following enrollment. If you elect in pet insurance online or by phone, you will be sent a welcome email confirming your policy details.
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  • How do I file a claim? How does my veterinarian receive payment?

    File a claim in just 2 easy steps.

     

    • Pay your veterinarian directly at the time of treatment.
    • Submit your claim through the MetLife mobile app, email, fax, or mail.

     

    MetLife will take it from there, processing your claim and sending your reimbursement right away.

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  • What if my pet currently has an illness?

    Any illness or injury your pet had before your coverage started is called a pre-existing condition. While no pet insurer covers pre-existing conditions, getting coverage for your pet now will cover most future accidents and illnesses should something happen.

     

    Previously covered pre-existing conditions is covered when switching insurance providers.

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  • What does it not cover?
    Pre-existing conditions may not be covered, so don’t wait – enroll your pets today and help make sure they’re protected.
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  • How much pet insurance do I need?

    That depends on you and your pet. We offer flexible, customizable coverage so that you can choose the plan that works for you. Our options include:

    levels of coverage from $1,000 – unlimited8

    $0 - $2,500 deductible options9

    Reimbursement percentages from 65% - 100%2

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  • 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 reimbursement.
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  • Can my coverage be canceled because of how many claims I make or how old my pet gets?

    No. As long as you keep your policy continually in force (don’t let it lapse or expire), your pet cannot be dropped, or your insurance canceled for any reason – including a pet’s age or the number of claims you make.
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  • Do I need to provide my pet’s medical records to get this coverage?
    Not always. Sometimes medical records are needed for clarification to ensure you receive all the benefits available under your plan.
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  • May I enroll in MetLife Pet Insurance and Pet Benefits Pet Care Discount Bundle?
    Yes these plans offer different types of pet benefits and are not mutually exclusive.

Are you ready for your quotes?

Get quotes online now for free.
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Coverage is effective the first of the month following enrollment. If you elect in pet insurance online or by phone, you will be sent a welcome email confirming your policy details.

Do You Need Help?

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Phone Number: 1-800-588-7102

  • 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.

     

    780% of claims are processed within 10 days or less.

     

    8Annual limit options range from $1,000 - $25,000 in $1,000 increments.

     

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

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