Benefit Overview
MetLife Pet Insurance helps protect against unexpected veterinary costs for your dogs and cats, offering customizable coverage for accidents, illnesses, exams, medications, and more. You can visit any licensed veterinarian or emergency clinic in the U.S., and reimbursement is paid directly to you.
Available to all employees who wish to add voluntary pet coverage. You can enroll any time directly through MetLife Pet Insurance.
Key Details
Choose the plan and coverage level that fits your pet’s needs. MetLife Pet Insurance provides flexible reimbursement options and deductible choices, with no breed or age restrictions.
| Feature | Details |
| Coverage Amounts | $500 up to unlimited annual coverage options |
| Deductible Options | $0–$2,500 (selectable in $50–$750 increments) |
| Reimbursement Levels | 50%, 70%, 80%, or 90% of eligible expenses |
| Eligible Expenses | Accidents, illnesses, surgeries, prescriptions, diagnostics, hospitalization, alternative and holistic treatments |
| Pre-Existing Conditions | Coverage available for previously covered conditions when switching from another provider |
| Discounts | 10% employee discount and access to the MetLife Rewards Program |
| Telehealth | Access to 24/7 Pet Telehealth Concierge Service for advice and support |
| Mobile App | Submit and track claims, manage your pet’s health records, and access virtual support |
For more information, please refer to the Documents section below.
Coverage Example
Here’s a sample of how reimbursement works after a covered claim:
| Claim Details | Amount |
| Total Vet Bill (exam, bloodwork, X-rays, hospitalization) | $1,278.00 |
| Insurance Reimbursement (90%) | $1,050.20 |
| Out-of-Pocket Cost (with $100 deductible) | $227.80 |
| Savings | $1,050.20 |
Additional Highlights
- No breed or age exclusions—multiple pets can be covered under one policy.
- Coverage includes hereditary and chronic conditions, as well as congenital issues.
- Optional preventive care coverage available for wellness visits and vaccinations.
- Claims are processed within 10 business days or less.
Who This Benefit Is For
This plan is ideal for pet owners who want affordable, customizable coverage to protect against the rising costs of veterinary care, emergencies, and ongoing health needs for their dogs or cats.
Documents
Pet Insurance
| Title | Download |
|---|---|
| Pet Insurance Flyer | Preview |