Name: Puppy Insurance
Brand: MetLife Pet Insurance
Rating: 4.7 (438 reviews)

For as little as $16 per month, you can insure your puppy starting at 8 weeks old with MetLife Pet — and get reimbursed up to 90% on covered vet bills.^1,2

Fetch Your Quote

or call 855-270-7387

Coverage for Your Puppy’s Earliest Adventures

Puppy adventures can lead to unforeseen vet visits, and extra routine care in a dog’s first year can add to costs. MetLife Pet provides coverage that can help support your puppy’s health and your wallet.

Illnesses

Puppies may be more susceptible to certain illnesses, like parvovirus, heartworm, and ear infections.

Injuries

More accidents can happen with curious puppies, including foreign object ingestion, fractures, and poisoning.

Preventive Care

Get add-on coverage for extra routine costs in your puppy’s first year, like vaccines, exams, and spay or neuter procedures.

Learn More About Coverage

Why Pet Insurance Is Worth It for a Puppy

Pet insurance and optional add-on plans from MetLife Pet are a way to make routine and emergency care more manageable. For puppy parents, these benefits highlight why it can be worth enrolling your dog at a young age:

Emergency visit coverage

Puppies can be playful and curious, potentially leading to many accidents. An emergency vet visit might cost up to $3,000 or more — something that could be covered by pet insurance.³

Money back on costly treatments

They’re also at a higher risk for contracting specific diseases, like parvo, lepto, heartworm, or distemper. Pet insurance could reimburse you for treatments that may cost nearly $10,000.^2,4

A lifetime of savings

You could save on vet costs in the long run. Premiums tend to be lower for puppies than older dogs, and things that might become pre-existing conditions later on are likely already covered.¹

Chips: Ingested Toy

This puppy living near Newark, NJ, swallowed part of his toy while he was chewing on it. He had surgery to remove it.

MetLife Pet covered $7,000 of the $8,200 bill.⁵

Rio: Parvovirus

This puppy living near Phoenix, AZ, contracted parvovirus and became sick. He was taken to the vet for supportive care and treatment.

MetLife Pet covered $3,900 of the $4,900 bill.⁵

Policy Perks for the Puppy in Your Life

Same-day coverage

We offer 0-day waiting periods for accidents and optional Preventive Care. So you can start taking advantage of your benefits right away.⁶

No per-incident limit

There are no caps for each type of incident. If your pup has the same injury or illness, you can get reimbursed up to your policy’s annual limit.^2,7

Free 24/7 vet chat⁸

Get lightning-fast support, day or night, from online vets. So when your puppy gets themself in a bind, you can have your questions answered.

Use it across the country

Our dog insurance can be used across the U.S. Take your puppy on all of your trips and if they need veterinary care, visit any licensed vet.

Get Award-Winning⁹Coverage for Your Puppy

855-270-7387

See Your Custom Rates

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

¹ Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.

² Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

³ “The Cost of Dog Parenthood in 2024,” Rover, https://www.rover.com/blog/cost-of-dog-parenthood/

⁴ Vet costs based on MetLife Pet internal claims data from June 2023 to December 2023, unless otherwise noted.

⁵ All claims paid amounts are based on MetLife Pet internal claims data from October 2023 and November 2023. These examples are for illustrative purposes only. These are based on a policy with a $250 deductible and 90% reimbursement and a $250 deductible and 80% reimbursement. The pet policies issued by Metropolitan General Insurance Company are the governing documents with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policies to determine coverage in each individual case.

⁶ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a February 2025 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.

⁷ Annual limit options range from $500 - $25,000 in $1,000 increments or unlimited benefit option also available. Pet age restrictions apply with Family Plans. Additional restrictions on available options in certain states.

⁸ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.

⁹ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

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Puppy Insurance