Do All Vets Accept Pet Insurance?

Yes, all licensed vets take pet insurance — you don’t have to worry about “networks” of pet care providers. Plus, because there’s usually no direct payment between the vet and the insurance company, your veterinarian doesn’t need to accept an insurance policy for you to use your benefits.

That means our insurance policies can be used at any licensed vet across the U.S. With MetLife Pet, you can get the care your pets need whether at home or traveling.

While you can use our policies basically anywhere your pet gets veterinary care, there are some details you might find helpful about coverage and how you can get reimbursed. Read on to learn more.

How To Use Pet Insurance at the Vet

Here’s an overview of how to use your pet insurance at the vet:

1. Take your pet to the vet

Bring your pet to any licensed vet anywhere in the U.S. for the care they need.

2. Pay the vet, then submit your claim

After your visit, pay the bill and then submit your claim to MetLife Pet.

When you go to the vet, payment is usually required before you take your pet home. One of the main reasons why all vets take pet insurance is because you pay your vet bill upfront and then submit a claim to your insurance provider to be reimbursed after.

With your itemized invoice and vet SOAP (Subjective, Objective, Assessment, and Plan) notes in hand, you can complete your claim using MetLife’s MyPets online portal, the free mobile app for policyholders, or by email, fax, or mail.

3. Get reimbursed

We’ll quickly process your claim and reimburse you for covered expenses via check or direct payment, like Zelle^®.¹ Most claims are processed within 5 days, and whatever’s covered under your insurance policy is reimbursed.

The amount you receive depends on things like your deductible, annual limit, and reimbursement rate — all of which are customizable with MetLife Pet.^1,2,3 After you’ve hit your deductible, you can be reimbursed for up to 90% (or your policy’s specific rate) on covered vet bills until you reach your annual reimbursement limit.^1,2,3

MetLife Pet Insurance in action

Curious how vet insurance works in a real-life scenario? Daniel, a young cat from Connecticut, swallowed a hair tie he found on the bathroom counter. His worried parents took him to his vet, who found the problem and gave Daniel medicine to help him pass the tie.

When Daniel was finished up at the vet, his parents received a bill for over $6,000. Fortunately, Daniel was covered by MetLife Pet, and his parents were able to submit the claim hassle-free. When Daniel’s parents were reimbursed, they were thrilled to get $5,900 back — covering most of the cost of his treatment.⁴

What Do Vets Accept Pet Insurance For?

How you can use your pet insurance depends on your plan. Based on the kind of plan you purchase, vet expenses related to accidents and illnesses that occur after enrollment and applicable waiting periods are usually covered.

Take a closer look at just some treatments and conditions covered by a MetLife Pet Insurance plan:

Remember, some pre-existing conditions and treatments may not be covered. Find the full list of covered conditions and exclusions in this helpful guide.

Why do so many vets welcome pet insurance?

The American Veterinary Medical Association (AVMA^®) stands behind the value of pet insurance and believes it can make veterinary care more cost effective. They also suggest talking with your vet about your pet’s needs to help you choose the best insurance for you.⁷

Dr. Hunter Finn, DVM, also notes that “Pet insurance can help provide people peace of mind that finances will never determine if they can make the best decision for their pet.” So whether you have a curious kitten, playful puppy, or senior pal, pet insurance can make it easier to keep them healthy and happy while helping to reduce financial stress.

MetLife Pet Insurance Can Help Cover Vet Bills

From our virtually instant coverage⁸ and free 24/7 vet chat⁹ to our unique family plan for multiple pets on a single policy,¹⁰ MetLife Pet can help you confidently care for your beloved companions. So when your pet needs you, we’ve got you, too.

Our flexible coverage means you’re not tied to any “networks” with MetLife Pet. All licensed vets accept our pet insurance throughout the United States. Are you ready for this kind of peace of mind? Get a free quote today to see your personalized rates and coverage options.