Pet Insurance

Pet insurance functions much like other insurance policies. By paying a monthly premium, you gain coverage that helps cover both routine and unforeseen veterinary expenses for your pet. 

You can design coverage that aligns with your pet’s health requirements and your budget. MetLife offers benefits such as:

• The freedom to visit any licensed veterinarian, emergency clinic, or specialist anywhere in the U.S., with exam fees covered for accidents and illnesses.
• Flexible coverage options with no breed restrictions.
• Family plans that allow one policy to cover up to three dogs and/or cats under a single deductible.⁶
• Optional Preventive Care Coverage to help with common routine wellness expenses.
• Coverage for pre-existing conditions that were previously covered when transferring from another pet insurance provider.

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⁶Family plan policies are limited to dogs age 12 and under and cats age 14 and Multi-policy discount is not available with Family Plans.

After paying your vet bill, you may submit your claim to MetLife. You can file for reimbursement through their mobile app, online portal, email, fax, or mail. Most claims are processed within five days, and if your expense is covered, you’ll receive reimbursement⁷ by check or direct deposit.

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⁷Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may 

Accident coverage and optional Preventive Care coverage start on your policy’s effective date, while illness coverage begins 14 days afterward.^8,9

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⁸Based on a January 2024 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

⁹Accident 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

Coverage includes:

• Accidental injuries
• Illnesses
• Exam fees
• Surgeries
• Medications
• Ultrasounds
• Hospital Stays
• X-rays/diagnostic tests
• Hereditary conditions
• Congenital conditions
• Holistic care
• Chronic conditions

Pre-existing conditions are not typically covered in pet insurance; however, MetLife will cover pre-existing conditions that were previously covered for those switching from another pet insurance provider—to learn more about what’s not covered, visit metlifepetinsurance.com/coverage- exclusions.

You can select a plan that fits your requirements. Choices include:

1. Coverage levels ranging from $500 up to unlimited¹⁰
2. Deductible options between $0 and $2,500¹¹
3. Reimbursement rates from 50% to 90%¹²

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¹⁰Annual limit options range from $500 – $25,000 in $1,000 Unlimited benefit option subject to availability. Pet age restrictions may apply.

¹¹Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

¹²Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim

Each pet’s premium is personalized based on factors such as age, breed, location, and the coverage level you choose. MetLife Pet Insurance also provides ways to save. If you are claim free for a policy year, MetLife will automatically reduce your deductible by $50 through their Healthy Pet Incentive. Additionally, MetLife Pet offers an Automatic Policy Limit Increase¹³ for added peace of mind.

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¹³If a policy’s annual limit is at least $5,000 and the policyholder has at least $1,000 of unused benefits remaining at the end of the policy year, then upon renewal, MetLife will automatically increase the annual limit by $500 for the renewal policy at no additional cost. The automatic annual limit increase will not apply if changes are made to the renewed policy. May not be available in all

You will be automatically eligible for a 10% Employer Group Discount⁹/5% Affinity Group Discount¹⁴. A variety of additional discounts may be available,¹⁵ including:

• Military, Veteran, First Responder and Healthcare Workers Discount¹⁶
• Animal Care Discount¹⁷
• Multi-pet discount¹⁸ (5% for the 2nd pet policy and 10% for each additional policy)

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¹⁴The Affinity Group Discount is not available on policies issued to residents of MN or TN. The Employer Group Discount is not available on policies issued to residents of TN. These discounts are only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance (the discount is 10% for Employer Groups and 5% for Affinity Groups). In MN, the Employer Group Discount is called an “Employee Affinity Discount.” In AK, Employer Group must be > 2+ employees and the employee must enroll through employer’s voluntary benefit or employee discount program via URL and/or toll-free number. In AK, for Affinity Groups, the policyholder must enroll through the affinity group’s discount program via URL and/or toll-free number.

¹⁵When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all Please contact MetLife Pet for further details.

¹⁶Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed

¹⁷Discount may not be available in all states. A discount is applicable to staff/owners of animal care

¹⁸Multi-policy discount is not available with Family

You can set up an automatic payment via credit card through the online portal or call center. ACH (electronic bank-to-bank payment) is available exclusively through the MetLife Pet Insurance call center.

Yes. You can take your policy with you. However, if you receive an Employer Group Discount/Affinity Group Discount due to signing up for MetLife Pet Insurance through Boston University, you will no longer be eligible for that discount upon policy renewal.

The MetLife Pet app allows you to access your pet insurance account anywhere and anytime. You can download and use the app easily to:

• Submit and track claims
• Manage your pet’s health records
• Talk to an expert with 24/7 live vet chat¹⁹
• Find nearby pet services

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¹⁹Virtual 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.