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MetLife Pet Insurance
Reviewed by Jeffrey Hanschmann, Licensed Insurance Producer
Updated April 1, 2026
Pricing
Plans Offered
Protect your pet's health and your wallet with MetLife Pet Insurance. With plans that cover accidents and illness, you can easily customize your deductible and reimbursement rates so it works for you. MetLife Pet Insurance also offers an optional Preventive Care plan add-on.
ACCIDENT AND ILLNESSCovers accidents and illnesses with multiple annual benefit options.
Deductible Levels: $50, $100, $250, $500, or $2,500Reimbursement Levels: 50%, 70%, 80%, or 90%Annual Limit Options: $2,000, $5,000, or $10,000
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).
© 2026 MetLife Services and Solutions, LLC. All Rights Reserved.
© 2026 Peanuts Worldwide LLC
L5319448[exp0328][All States and][DC]
What's Covered / Not Covered
COVERED (ACCIDENT & ILLNESS PLANS)
Accidents and Injuries
- Hospitalizations and emergency care
- Cruciate ligaments, including anterior (ACL), medial (MCL), cranial (CCL), and posterior (PCL)
- Foreign body ingestion
- Poisoning/toxicity
- Bites, wounds, and lacerations
- Broken bones and trauma
Illnesses and Conditions
- Hereditary, congenital, and chronic conditions
- Periodontal disease
- Infections and digestive upsets
- Diabetes, arthritis, and cancer
- Pregnancy (for mother only¹)
- Heart, kidney, liver, thyroid disease, etc.
Procedures
- Surgeries
- Routine complications
- Endodontics (root canal) and orthodontics (braces)
- Removal of deciduous teeth¹
Diagnostics
- Diagnostic tests
- Blood work
- X-Rays
- Ultrasounds
- MRIs
- Urinalysis
- Exam fees
Prescriptions and Treatments
- Vet-prescribed pet foods
- Medications, including allergy and anxiety
- Anal gland expression
- Preventative treatment¹
- Medicated baths¹
- Treatment of heartworm, parasites, and Lyme disease
- Outpatient treatments
Supportive Care
- Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)
- Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)
- Boarding fees (while you, the pet parent, are hospitalized)
- Burial and/or cremation (including grief counseling²)
NOT COVERED
Standard Exclusions include:
- Pre-existing conditions
- Breeding or conditions related to breeding
- Obedience training
- Grooming costs and routine nail trims
- Non-prescription food
- Organ transplants
- Illness or injury that arises from racing, coursing, commercial guarding, law enforcement, or organized fighting
- Elective surgeries
- Cosmetic or aesthetic procedures
Preventive Care Add-Ons
MetLife's optional Preventive Care plan offers additional coverage to your standard policy for wellness and routine costs. They have two main plan options:
- Preventive 365
- Preventive 575
PIPA Broker Tip: The numbers in the plans (e.g., 365) represent the maximum annual benefits from said plan. For example, the maximum annual benefit for the Preventive 575 plan is $575.
Depending on the plan you choose, you may be able to get coverage for:- Parasites, heartworm, and Lyme prevention
- Vaccines
- Teeth cleaning
- Supplements and vitamins¹˒⁴
- Behavior training⁴
- Deworming⁵
- Health/travel certificates⁵
¹ Covered only if related to an illness, injury, or medically necessary² Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Not available in all states.⁴ Covered only if recommended by a vet for illness, injury, or prevention.⁵ Not coverable under the Standard Wellness plan.
Enrollment Requirements
- Max age at enrollment: None*
- Your pet must reside with you at the primary address you list for your insurance provider
- One time $12 enrollment fee
*Coverage options may be limited for certain ages
Waiting Periods
- Accidents: 1 day
- Illnesses: 14 days
- Orthopedic conditions (including hip dysplasia, luxating patella, and intervertebral disc disease): 14 days
- Cruciate Ligament Injuries: 1 day
Please note that the waiting periods provided on this page are for general reference and can vary from state to state as well as from company to company. Please check the specific terms of your policy's details to confirm the actual effective date of coverage.
How to File a Claim with MetLife
1) Choose a Plan:
Select a policy that fits your pet's needs and your budget.
Use PIPA's free tool to see if MetLife is the best option for you and your pet(s).
2) Pay Upfront:
Visit any licensed veterinarian in the U.S. or Canada and pay the vet directly when your pet needs care.
3) Submit Claim:
Claims can be submitted through one of the following MetLife channels:- Mobile App
- Website (Online Portal)
- Text Message
- Fax
4) Get Reimbursed:
Most claims are processed between 5 and 10 days with a direct deposit option for receiving reimbursements. The reimbursement amount will depend on your plan's coverage.
More Specifics on Claim Submissions for MetLife
What you need:
- Itemized invoice from the vet visit: A digital or handwritten invoice from your vet that includes a breakdown of all the charges, not just a total cost. See a sample invoice.
- Your pet's vet medical records: Also called SOAP notes, these handwritten or digital notes provide an overview of the incident. See a sample SOAP note.
- A completed claims form can help show the Claims Team what you're seeking reimbursement for, but it's not required.
- If this is your first claim, the last 12 months of veterinary records (or adoption records, if applicable) are required.
Claims information:
- Window to file: You must file the claim within 90 days of the treatment or invoice date
- Filing Requirements: see above in “what you need” section
- Expected claim reimbursement: Most claims are processed in 5–10 days, but processing may take longer in some cases.
- Reimbursement methods: After your first reimbursement, you’ll receive a link to set up your preferred reimbursement method: direct deposit (ACH), PayPal, Zelle® or a paper check. Once selected, we’ll use it automatically for future claims.
Discounts Offered by MetLife
- Military, veteran, and first responder discount: 10%
- Federal employee discount: 10%
- Healthcare worker discount: 10%
- Animal care discount: 10%. If you're an owner, staff member, or volunteer worker in the animal care industry, you could be eligible for this discount.
- Multi-pet discount: 5% for the second pet, then 10% for any additional pets.
- For every policy year you don't receive a claim reimbursement, $50 will automatically be taken off of your deductible for the next policy year.
When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
Family Plans
MetLife offers a unique combined coverage called Family Plans. They allow you to combine coverage for multiple pets under one umbrella policy. Here's a simple example: If you have a policy with a $250 deductible, 90% reimbursement, and $10,000 annual limit, the deductible would be combined for all your pets, the limit would be combined for all pets, and all pets would be eligible for a 90% reimbursement.Customer Support for MetLife
Call: 1-877-206-9339Email: pet_info@metlife.com
Cancellation Policy
You can cancel MetLife at any time by submitting a request in writing or filing a cancellation form. Call MetLife at 866-937-7387 and select option 4 to cancel your pet insurance plan.Coverage will not be provided as of the Effective Date of the Cancellation shown on the Notice of Cancellation. If you cancel the policy more than 30 days after the policy Effective Date, MetLife will compute any refund on a daily pro-rata basis.MetLife may choose to cancel or not renew your policy, in which case MetLife will notify you in writing at least 30 days prior to the date the policy will end. After your policy is in effect for more than 60 days, or if this is a renewal of a prior policy, MetLife may only cancel for one or more of the following reasons:
- You fail to pay your premium by the due date
- The policy was obtained through fraud, misrepresentation or concealment in your application
- MetLife has agreed to issue a new policy with the same or an affiliated company
- You fail to comply with the policy terms and conditions in a manner that prejudices or negatively affects MetLife's ability to properly assess or evaluate the claim or other material rights MetLife has under the policy
PIPA's Review
MetLife is a highly rated, well known pet insurer in the industry and known for:
- Broad coverage for dental, as well as prescription foods and medications
- No maximum age limit for enrollment
- Several options on discounts to save extra on premiums
- Two tier routine care options
- Deductible option greater than $1,000 offered – rare in the industry
- Offers coverage called Family Plans, which allow for combined coverage for multiple pets under one umbrella policy
Considerations:
- Accident-only coverage is not available
- No option for paying your vet directly
- Routine and preventive care require optional add-ons.