Pet Insurance

Pet Insurance

Overview

Now more than ever, pets are playing a significant role in our lives and it is important to keep them safe and healthy. Help make sure your furry family members are protected in case of an accident or illness with Pet Insurance offered by MetLife Pet Insurance.1

 

Why is pet insurance important?

  • A small monthly payment can help you prepare for unexpected vet expenses down the road
  • More than 6 in 10 pet owners said their pet has had an emergency medical expense2
  • 24% of pet parents have credit card or personal loan debt to cover pet health and vet costs3
  • Average annual cost for a routine vet visit is $212 for a dog and $160 for a cat; and average annual cost for a surgical vet visit is $426 for a dog and $214 for a cat4
  • Pet insurance may not cover pre-existing conditions
Enrollment

 

Our fast and easy enrollment process means you can start protecting your pet sooner.

 

 

 

Contact Us

 Phone:
800-GET-MET8
 Hours
 M-F 8a-8p ET
 Email
customer.service@mercer.com

How It Works


Our one-page claim form makes filing a claim and getting reimbursed simple. Plus, you can track your claim online through the MetLife Account Access Page.

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Why choose MetLife?

    • Flexible product offerings with straightforward pricing and options, group discounts, customizable limits and deductible savings5,6
    • Quick 3-step enrollment and hassle-free claims experience with most claims processed within 10 days7
    • Multichannel support options with our experienced team of pet advocates that have been serving pet parents and their communities for more than 15 years
  • What is pet insurance?

    Just like 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, you may be able to cover up to 90% on the veterinary care expenses from any licensed veterinarian, specialist or emergency clinic across the U.S.1,8
  • Why do I need pet insurance?

    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 veterinarian 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.4
  • How does pet insurance work?

    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 online portal, e-mail, fax or mail, and we’ll process your claim within 10 days7. Then, you’ll receive reimbursement9 if the claim expense is covered under the policy.
  • When does coverage start?

    Pet Insurance offer by MetLife, provides among the shortest wait periods for accident and illness coverage.1,10 Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.
  • What does it cover?8

    Coverage includes:

    • accidental injury
    • illnesses
    • exam fees
    • surgeries
    • medications
    • ultrasound
    • hospital stays
    • x-rays and diagnostic tests

     

    And our coverage also includes:8

    • hip dysplasia
    • hereditary conditions
    • congenital conditions
    • holistic care
    • chronic conditions
    • alternative therapies
    • and much more
  • What does it not cover?

    Pre-existing conditions may not be covered, so don’t wait – enroll your pets today and help make sure they’re protected.
  • Can I visit any vet?

    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 reimbursement9 if the claim expense is covered under the policy.
  • How much pet insurance do I need?

    That depends on you and your pet. We offer flexible, customizable coverage so that you can choose the plan that works for you. Our options include:

    • levels of coverage from $1,000 – unlimited11
    • $0 - $2,500 deductible options12
    • Reimbursement percentages from 65% - 100%9
  • How much will it cost?

    Each pet’s premium will be unique based on the age, breed, location and gender, as well as what coverage amount you select. Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $256.
  • Are there any discounts?

    Yes. Group discounts are available13.
  • How do I pay for my coverage?

    As part of your group benefits, you can choose payroll deduction, or you can set up an automatic payment from your bank with us.

 

1Independence American Insurance Company (“IAIC”) is the insurance carrier for this product. IAIC, a Delaware insurance company, is headquartered at 485 Madison Avenue, NY, NY 10022. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC to offer and administer pet insurance policies. This entity 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 assumed name 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 assumed names or fictitious names approved by certain jurisdictions.
2Delfino, Devon. “42% of Millennials Have Been in Debt for Their Pet,” lendingtree, https:/ HYPERLINK "http://www.lendingtree.com/personal/pet-financing/average-pet-debt/"/www.lendingtree.com/personal/pet-financing/average-pet-debt/. Accessed 22 April 2020.
32019 Benefits Pro “Americans willing to spend as much on pets’ health care as their own”.
42019-2020 APPA National Pet Owners Survey.
5This discount is not available in Tennessee. 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 eligible population (The discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives).
6With deductible savings, your pet’s deductible automatically decreases by $25 each policy year that you don’t receive a claim reimbursement. May not be available in all states.
780% of claims are processed within 10 days or less.
8Provided all terms of the policy are met. Like most insurance policies, insurance policies issued by IAIC contain certain 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.
9Reimbursement options include: 65%, 70%, 80%, 90% and 100%.
10Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.
11Annual limit options range from $1,000 - $25,000 in $1,000 increments.
12Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
13This discount is not available in Tennessee. This discount is only available for individuals who access the policy through a group (10% for Groups > 1000 lives and 5% for Groups 51-999 lives).
Independence American Insurance Company (“IAIC”) is the insurance carrier for this product. IAIC, a Delaware insurance company, is headquartered at 485 Madison Avenue, NY, NY 10022. Like most insurance policies, insurance policies issued by IAIC contain certain 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. MetLife Pet Insurance Solu­tions LLCis the policy administrator authorized by IAIC to offer and administer pet insurance policies. This entity 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 assumed name 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 assumed names or fictitious names approved by certain jurisdictions

Forms

These form(s) are in Adobe Acrobat (PDF) format and are available for downloading and printing.

 

2023 Pet Webinar Flyer
Booklet
Preventive Care Slipsheet
Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.