Pet Health Plan

Help protect your pet & control costly vet bills

More than ever, pets play such a huge role in our lives. We want to do everything to keep them safe and healthy. Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance.

Visits to the vet can be unpredictable and expensive. Pet parents spend over $31.4 billion on vet care annually, and 24% of pet parents have gone into credit card or personal loan debt as a result.¹

A small monthly payment can help you prepare for those unexpected vet expenses down the road.

Benefit Highlights

Flexible coverage with up to 90% reimbursement²
Covers care provided by any licensed veterinarian, specialist or emergency clinic in the U.S.
Optional preventative care coverage^3,7
24/7 access to Telehealth Concierge Services
Discounts up to 30%⁴ and additional offers on pet care, where available
Coverage of pre-existing conditions when switching providers⁵
Lower deductibles if no claims are submitted during a policy year⁶
MetLife Pet mobile app to submit and track claims and manage your pet's health and wellness

What MetLife Pet Insurance covers

Accidental injuries⁷
Illnesses
Exam fees
Surgeries
Medications
Ultrasounds
Hospital stays
X-rays
Diagnostic tests
Hip dysplasia
Hereditary conditions
Congenital conditions
Chronic conditions
Alternative therapies
Holistic care
Much more

What does the plan cost?

Each pet's premium will be unique based on the age, breed, location, and the coverage amount you select.⁸

You can customize your policy based on the following options:

Annual coverage maximum: As low as $500 with an unlimited option also available. Other coverage maximums available from $1,000 to $25,000 in $1,000 increments.⁹
Deductible: Choose from $0 to $2,500.¹⁰
Reimbursement percentage: Options available from 50% to 90%.²

As an AFA member, you are eligible for a group discount on pet insurance coverage.¹¹

GET A QUOTE

Underwritten by:

Independence American Insurance Company
485 Madison Avenue
New York, NY 10022

and

Metropolitan General Insurance Company
700 Quaker Lane
Warwick, RI 02886

Administered by:

MetLife Pet Insurance Solutions LLC

Footnotes

¹American Pet Products Association (APPA) State of the Industry as presented on 3/24/21 (https://www.americanpetproducts.org/press_industrytrends.asp); and the 2019–2020 National Pet Owners Survey conducted by the APPA.

²Reimbursement options include 70%, 80%, 90%, a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

³Can be purchased at an additional cost. For IAIC underwritten policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen underwritten policies, optional Preventive Care coverage is included in the annual limit.

⁴When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

⁵We do not cover all pre-existing conditions, just those covered by the previous provider where there's no gap in coverage from your prior plan and your MetLife Pet Insurance plan.

⁶Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

⁷Accident 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 January 2023 review of publicly available summary information about competitors' offerings. 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.

⁸For IAIC policies, the premium is also based on pet gender.

⁹Annual limit options range from $1,000 - $25,000 in $1,000 increments. There is also a $500 annual limit option for MetGen policies. Unlimited benefit option subject to availability. Pet age restrictions may apply.

¹⁰Deductible options range include $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

¹¹This discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population. (For IAIC underwritten policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51−999 lives. For MetGen underwritten policies, this discount is 10% for Employer Groups of all sizes and 5% for Associations of all sizes).

May not be available in all states.

Benefits are provided if all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available.

MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC, and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.