Award-Winning Pet Insurance1

  • Up to 90% of your vet bills reimbursed2
  • Preventive Care for routine wellness costs
  • Cover multiple pets on one policy3

Comprehensive Plans You Can Customize

Our affordable and extensive pet health insurance plans help you feel more confident your best friends can get the care they need to live long and healthy lives.

Plans starting at $16/mo4

Plans starting at $7/mo4

Coverage You Can Count On

During Illnesses

Coverage for sickness-related costs, including:

  • Cancer

  • Heart disease

  • Diagnostics

  • Chronic conditions

  • Medications

After Injuries

Coverage for the unplanned, including:

  • Accidents

  • Injuries

  • Surgeries

  • Emergency care

  • Exam fees

  • Hospitalizations

For Routine Care

Preventive Care plan add-on for wellness, including:

  • Flea & tick prevention

  • Vaccinations

  • Spaying & neutering

Pet Insurance Made Easy

  1. Hassle-Free EnrollmentNo initial exam or previous vet records required.
  2. Same-Day CoverageNo waiting period on accidents & preventive care.5
  3. Free 24/7 Vet Chat6Get lightning-fast support day or night.
  4. Reimbursements via Zelle® & Apple PayEasy claims process and payouts via quick-pay methods or check.

Real Reviews From PetInsuranceReview.com

Rated 4.6/5.0 Based On 300+ Reviews 7,8

Pet Insurance review 5 out of 5 stars

The best insurance

I’ve tried other pet insurance before I came across MetLife Pet. I couldn’t be happier choosing them. Their claims process is very easy. They are available when you call. They explain everything so

READ MORE

Donna

07/10/2024

Pet Insurance review 5 out of 5 stars

I’m so happy with MetLife Pet

MetLife Pet is the best! I am so happy with how affordable and comprehensive this insurance is! It is easy to contact customer service and the customer service representatives are

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Rachel

07/03/2024

Pet Insurance review 5 out of 5 stars

Excellent service

I have used MetLife Pet Insurance for 2 years. I have been extremely satisfied with the company. This past claim was processed within a week. All claims for my three dogs have been accepted and

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Helene

07/02/2024

Pet Insurance review 5 out of 5 stars

Good, honest coverage

...I have had an excellent experience with MetLife Pet’s coverage so far and would highly recommend them. In fact, I told a good friend about MetLife Pet’s insurance, and she purchased it as well and

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Kat

05/24/2024

Pet Insurance review 5 out of 5 stars

They paid me right away

I've had to use MetLife Pet twice since I've adopted my cat — once for an ER visit and now for a swollen lymph node that turned out to be moderate/severe periodontitis (not common at this young

READ MORE

Janaina

05/05/2024

Pet Insurance review 5 out of 5 stars

I highly recommend MetLife Pet

We adopted two cats after being pawless for a couple of years. I decided to get insurance, thinking it really wouldn't pay off for a few years. Within the first year and a half, both had major dental

READ MORE

Viki

04/23/2024

Considering Pet Insurance?

Don’t Get Left in the Dog House With Vet Bills

Get Protected by MetLife Pet Insurance

(855) 270-7387

Frequently Asked Questions

Pet health insurance reimburses you for covered costs on your vet bills — helping you pay for your dog or cat’s unexpected medical expenses.

Take your pet to any licensed vet without worrying about provider networks. After their care, you pay your vet bill and submit a claim to us. Next, we reimburse you for covered expenses — typically, within 5 days.2 You can receive direct payments or paper checks. Learn more about how pet insurance works.

Metlife Pet plans start at $7 per month for cats and $16 per month for dogs.4 However, the cost of pet insurance — aka the premium — depends on a variety of factors. These include the species, breed, and age of your pet.

Other factors that can impact the price are where you live, the level of coverage you choose, adding more pets to a policy, as well as whether you enhance your plan with optional coverage. You can learn more about pet insurance costs, or get a free quote to see your exact rates.

You can customize your plan so it fits your pet’s needs and your budget. Choose your reimbursement rate, deductible, and annual benefit limit, add coverage for routine wellness expenses, or pick a family plan.2,3,12,13

Check out our Plans page to help you decide which level of coverage is right for your family.

Metlife Pet policies can cover costs related to accidents and illnesses that first occur after enrollment and any waiting periods are over.

Coverage for accidents and optional Preventive Care benefits start at midnight after you enroll in a policy. Coverage for illnesses begins 14 days after enrollment.5 Download a sample policy for more information.

Pet health insurance typically covers unexpected accidents and illnesses, not routine care. However, you can add our Preventive Care plan to your policy for an additional cost and save on routine expenses like teeth cleaning, spaying and neutering, vaccinations, and parasite prevention all year long. 

You can enroll your dog or cat no matter what their breed is, and we don’t have any upper age restrictions. We also don’t have per-incident limits on claims — you can be reimbursed for covered expenses up to your annual benefit limit.13

Our insurance plans typically don’t cover pre-existing conditions. But if you switch from another provider to a MetLife Pet policy through your employer, your pet’s previously covered pre-existing condition may be covered by us, too.

Other things our policies usually don’t cover include microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, and non-prescription food. Reference your policy for full details.

MetLife Pet Insurance policies can be used at any licensed vet in the U.S. Veterinarians don’t need to accept an insurance policy for you to use your benefits because there’s typically no direct payment between the vet and the insurance company.

Unlike with human health insurance, there’s no such thing as “in-network” and “out-of-network” providers. So if you have a vet you currently love, stick with them!

When you have multiple pets, most pet insurance providers require you to enroll each one in their own policy. However, MetLife Pet has a unique family plan that covers up to three pets on one policy with a shared deductible.3

Covered expenses for all of the pets on your family plan count toward one deductible,12 so you can meet it faster and start getting reimbursed sooner. Plus, take advantage of a shared annual limit13 for flexible coverage, and combine cats and dogs on your family plan.