MetLife Pet Insurance
Pets are family—and their care can be unpredictable. MetLife Pet Insurance helps protect both your pet’s health and your wallet by reimbursing eligible veterinary expenses for accidents, illnesses, and routine care. With flexible coverage options and the freedom to visit any licensed veterinarian in the U.S., MetLife Pet Insurance gives you peace of mind for both expected and unexpected moments in your pet’s life.
Program Overview
MetLife Pet Insurance reimburses you for covered veterinary expenses after your deductible is met. You pay the vet directly, submit a claim through the MetLife Pet app or online portal, and receive reimbursement by check or direct deposit for covered expenses. You can customize your plan to fit your pet’s needs and your budget.
Who Pays
- This is a voluntary benefit
- Premiums are paid by the employee
- Payments can be set up via credit card or bank transfer
How to Enroll
To enroll or get a quote:
- Visit metlife.com/getpetquote
- Call 800‑438‑6388
Eligibility
Eligibility
- Available as a voluntary benefit to eligible employees
- Coverage is available for dogs, cats, and exotic pets
- No breed exclusions
- No upper age limits (coverage options may vary by pet age)
When Coverage Begins
- Accident coverage begins on the policy’s effective date
- Optional preventive care coverage begins on the policy’s effective date
- Illness coverage begins 14 days after the policy effective date
What the Plan Covers
Accident & Illness Coverage
Helps reimburse costs related to unexpected injuries and illnesses, including:
- Accidental injuries
- Illnesses
- Exam fees
- Surgeries
- Medications
- X‑rays, ultrasounds, and diagnostic tests
- Hospital stays
- Hereditary and congenital conditions
- Alternative therapies
Optional Preventive Care Coverage
Helps offset the cost of routine wellness care, such as:
- Vaccinations
- Flea, tick, and heartworm medications
- Spay or neuter
- Teeth cleanings
- Wellness exams
- Blood panels
- Heartworm, fecal, FeLV tests and more
Flexible Coverage Options
You choose the plan design that works best for you and your pet, including:
- Annual coverage limits from $500 up to unlimited
- Deductibles from $0 to $2,500
- Reimbursement levels of 50%, 70%, 80%, or 90% of covered expenses
Additional Features & Added Value
- Freedom to visit any licensed vet, emergency clinic, or specialist in the U.S.
- 24/7 live chat with licensed veterinarians through the MetLife Pet app
- Coverage for vet‑prescribed food, supplements, and holistic treatments
- Loss or theft coverage
- Automatic annual limit increases for eligible policies
- Deductible decreases by $50 for each claim‑free policy year
Discounts & Cost
- Premiums vary based on your pet’s age, breed, location, and coverage selections
- Eligible employees may receive an automatic employer group discount
- Additional discounts may apply (discounts cannot exceed 30%)
Why Choose MetLife Pet Insurance?
- Helps manage rising veterinary costs
- Reimbursement for both emergencies and routine care
- Highly customizable coverage
- Simple claims process with mobile app support
- Financial protection for your pet’s entire life