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Similar to health insurance for you and your family, pet insurance is coverage for dogs and cats that can help you be prepared for unexpected vet costs. With MetLife Pet Insurance,¹ you may be able to cover² up to 100% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.

Now more than ever, pets are playing a significant role in our lives, and it is important to keep them safe and healthy. Perhaps you may have already experienced the cost of veterinary care for your pet. The average annual cost for a routine vet visit is $212 for a dog and $160 for a cat; and the average annual cost for a surgical vet visit is $426 for a dog and $214 for a cat.³

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 mobile app, online portal, email, fax or mail, and we’ll process your claim within 10 days.⁴ Then, you’ll receive reimbursement⁵ by check or direct deposit if the claim expense is covered under the policy.

MetLife Pet Insurance¹ provides the shortest wait periods⁶ for accident and illness coverage. Accident coverage and preventative care coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

Coverage² includes: 

• accidental injuries
• illnesses
• exam fees
• surgeries
• medications
• ultrasounds
• hospital stays
• X-rays and diagnostic tests

And our coverage² also includes:

• hip dysplasia
• hereditary conditions 
• congenital conditions
• holistic care
• chronic conditions
• alternative therapies
• and much more!

Pre-existing conditions may not be covered — enroll your pets today and help make sure they’re protected.

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 reimbursement⁵ if the claim expense is covered under the policy.

We believe that every individual and their pet have unique needs. Hence we provide the ability to customize your coverage. Coverage is flexible and customizable so that you can choose the plan that works for you. Options include:

• levels of coverage from $500–unlimited⁸
• $0–$2,500 deductible options⁹
• reimbursement percentages from 50%–100%⁵

Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select.¹⁰ Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.¹¹

Yes, a variety of discounts are available including:

• Employer Benefit Discount¹²
• Affinity Group Discount¹²
• Internet Purchase Discount¹³
• Military, Veteran & First Responder Discount¹⁴
• Healthcare Workers Discount¹⁵
• Animal Care Discount¹⁶

You can set up an automatic payment from your bank or credit card with us. As part of your group benefits, payroll deduction may be available.