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Better than belly rubs

Pet Insurance for Federal Employees

Pet Insurance That Protects Your Pet—and Your Wallet

If you have pets, you know they’re anything but predictable. Stay prepared for unexpected accidents, injuries or illness with MetLife Pet Insurance for federal employees—available through FedAdvantage. 

Take Donkey’s story as an illustrative example.

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Donkey, a 4-month-old French Bulldog puppy, accidentally fell into a pool and was rushed to the animal hospital. Thankfully, after 4 days of supportive treatment, Donkey recovered well and was discharged. Donkey’s owners faced a steep bill of more than $3,800 for his stay—but saved thousands because MetLife Pet Insurance covered $2,883 after deductible was met!*

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Comprehensive Customizable Pet Insurance Plans

Count on MetLife Pet Insurance for these great features and more—affordable, customizable coverage that gives you peace of mind. Our plans are designed to help ensure your furry companions can get the care they need to live long, healthy lives—without putting unnecessary strain on your wallet.

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  • Discounts of up to 30%¹

  • Up to 90% coverage if your pet becomes sick or injured²

  • Optional preventive care coverage for routine wellness

  • Freedom to visit any licensed vet in the U.S.

  • Multiple pets can be covered on the same policy³

  • No breed exclusions or upper age limits⁴

  • Coverage available for exotic pets⁵

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Don’t Get Left in the Dog House With Vet Bills

Why is Pet Insurance Important?

With nearly 87 million families in the U.S owning a pet⁶, caring for your pet’s health and well-being is more important than ever. From sudden illnesses to emergency vet visits, expenses can add up quickly. Pet insurance helps ease the financial burden, giving you peace of mind and the freedom to focus on what truly matters: keeping your pets happy, healthy, and by your side for years to come.

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As pet ownership continues to grow, it’s essential to protect every member of your family—including the furry ones.

  • What is FedAdvantage?
    FedAdvantage is a program dedicated to educating federal employees about their employer-sponsored benefits and various financial and retirement-related matters. Additionally, we offer comprehensive insurance programs tailored to "fill the gaps" in your benefits. Our one-stop shopping experience ensures you receive straightforward answers to all your benefit-related questions.
  • Who do we serve?
    FedAdvantage serves all active federal employees and federal contractors who are paid through the government.
  • What products do we offer ?
    FedAdvantage provides a variety of insurance products designed to supplement and enhance the benefits available to federal employees and contractors. These products include: Disability Insurance: Short-Term Disability: Offers financial support to individuals who are unable to work for up to 2 years due to injury or illness, providing coverage for 50% of their salary during the disability period. Long-Term Disability: Provides financial support for extended periods of disability due to serious illness or injury, covering 60% of income until age 60, and often extending up to retirement age. Accident Insurance: Provides financial protection in the event of accidental injuries, helping cover unexpected medical costs. Critical Illness Insurance: Offers a lump sum cash benefit upon diagnosis of a covered critical illness, helping offset expenses not covered by health insurance. Hospital Indemnity Insurance: Helps manage out-of-pocket costs from hospital stays, protecting your budget from unexpected medical expenses. Liability Insurance: Offers coverage to protect against personal liability claims, safeguarding your assets and future. Life Insurance: Provides financial security to loved ones in the event of the policyholder's death, helping cover living expenses, education costs, debts, and funeral expenses. Long-Term Care Insurance: Provides for long-term care services, helping protect your assets and ensuring you receive necessary care as you age. Pet Insurance: Provides financial protection by reimbursing covered veterinary costs, helping manage unexpected expenses and ensure your pet receives needed care.
  • What services do we offer?
    FedAdvantage offers a range of services designed to support federal employees in understanding and maximizing their benefits. These services include: Virtual Health Fair: Provides employees with convenient online access to health, wellness, and benefits resources, offering interactive tools and expert guidance to support overall well-being. Financial Library: Access to a comprehensive library of financial information, resources, and tools to help federal employees make informed decisions about their benefits and financial planning. Video Library: A collection of educational videos covering various topics related to federal benefits, financial planning, and retirement strategies. Seminars and Webinars: Over 20 educational seminars and webinars provided to federal employees, covering essential topics related to financial and retirement planning. These sessions are designed to offer in-depth knowledge and updates on federal benefits. Individual Consulting: Personalized financial and retirement planning consulting services. FedAdvantage consultants work with employees to evaluate their situations, explore solutions, and provide alternatives to help them make informed decisions for a secure future. Podcast Episodes: Informative podcasts discussing various aspects of federal benefits, financial planning, and retirement strategies, offering insights and advice from expert.
  • How do you enroll?
    To enroll in FedAdvantage insurance programs, begin by visiting the FedAdvantage enrollment page. Once there, select the insurance products you are interested in, such as Disability, Hospital Indemnity, Accident, or Critical Illness. You will need to provide your personal information, including your date of birth, base annual salary, state of residence, and payment frequency (bi-weekly or monthly). Next, complete additional required fields, such as questions about your employment status (e.g., if you are a law enforcement officer, firefighter, or air traffic controller) and whether you use tobacco. After filling in all necessary information, submit the form to receive a no-obligation cost versus benefit quote. Once your information is processed, you will receive a personalized quote. Review the details and choose the coverage that best suits your needs. For further assistance or more information, you can contact FedAdvantage directly through their contact page or by calling their service center at 866-973-6605
  • Where can you find more information?
    To find more information there are different places you can visit. First, we have our comprehensive financial library to find blogs on common insurance questions. We also have educational videos and podcast episodes. If you prefer more direct support, call our service center at 888-833-5594 or visit contact us.
  • How can I request a quote?
    You can request a personalized quote by clicking the Get a Quote button at the top of our website. Simply fill out the short form with your information, and a FedAdvantage representative will provide you with plan details and pricing options. If you’d prefer, you can also call us directly at (888) 833-5594 for assistance.
  • How long does it take to receive a quote?
    Online quotes are often available instantly after you submit your information. Phone quotes may take a few minutes as the representative collects your details and processes your request.
  • Are there any costs associated with getting a quote?
    Getting a quote from FedAdvantage is free of charge. You can request and compare quotes without any obligation to purchase.
  • What is Disability Insurance?
    Disability insurance replaces a portion of your income if you can’t work for a prolonged time due to an accident or illness.
  • How does Disability Insurance work?
    You can no longer work due to an accident, illness, or some other medical condition. Complete a claim form, which involves three parts: Employee Statement, Employer Statement, and Physician Statement. While the claim is processing you complete your elimination period of 30 or 180 days, depending on plan. Receive benefits under the terms of the contract until you are medically cleared to return to work, or reach the maximum benefit age. Optional vocational and rehabilitative training assists disabled federal employees in getting back on their feet and back to work.
  • Who is eligible to enroll?
    All active federal employees and federal contractors* working at least 20 hours per week are eligible except for postal workers. Postal workers (USPS employees) are an excluded class under the program and are not eligible to enroll. *In order to be eligible for enrollment, federal contractors must receive compensation directly from their contracting agency.
  • Do I have to take a physical exam?
    No, you are not required to take a physical exam or provide medical evidence in order to enroll on our disability program.
  • Is there a pre-existing condition?
    While no medical questionnaire is required to enroll in the disability insurance program, please be aware that a Preexisting Condition provision applies if you become disabled within 24 months of becoming insured. Consulted a physician or other licensed medical professional; Received medical treatment, services, or advice; Undergone diagnostic procedures, including self-administered procedures; or Taken prescribed drugs or medications Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.
  • When does the coverage become effective?
    Your coverage becomes effective on the date your first allotment is received.
  • How do I enroll?
    Enrollment is simple, enroll online and we’ll process the form (1 – 2 business days) and mail you instructions for setting up your payroll deduction. You are not actively enrolled in the program until you have set up and made your first allotment.
  • How do I pay for the plan?
    Premiums are paid bi-weekly from your paycheck through salary allotment. Monthly-paid employees would pay monthly. All premiums are after-tax.
  • What exclusions or limitations exist?
    Exclusions include: war, insurrection or rebellion, self-inflicted injury, attempted suicide, commission, or attempt to commit a felony. The 24-month limitation of benefits include mental nervous disorders, alcohol, drug or substance abuse.
  • Yes, our program is an age-banded group contract as follows:
    Regular Employees: Under 35, 35-44, 45-49, 50-54, 55-59, 60 & over. Special Groups Employees: Under 35, 35-44, 45-49, 50-54, 55+ Title 38 & Title 38 Hybrid Employees: Under 35, 35-44, 45-49, 50-54, 55-59, 60+
  • Can I change or cancel the plan?
    Yes, you can make changes or cancel your plan at any time.
  • Can I take the coverage when I retire or leave my job?
    If you leave federal service you may convert the plan to an individual plan (different rates and coverage) without having to pass underwriting, providing medical evidence, or having to go through another pre-existing condition. ​ Since disability insurance protects your paycheck if you can't work, coverage is not needed
  • What is short-term disability insurance?
    Short-term disability insurance provides income replacement for a limited period if you are unable to work due to a covered disability. It offers financial protection during temporary health issues.
  • How does short-term disability insurance work?
    Short-term disability insurance typically pays a percentage of your income for a specific period when you are unable to work due to a covered disability. It helps bridge the gap between your regular income and expenses during a temporary disability.
  • What is the typical duration of short-term disability benefits?
    Short-term disability benefits can last for up to 2 years.
  • Are pre-existing conditions covered by short-term disability insurance?
    While no medical questionnaire is required to enroll in the short term disability insurance program, please be aware that a Preexisting Condition provision applies if you become disabled within 24 months of becoming insured. Consulted a physician or other licensed medical professional; Received medical treatment, services, or advice; Undergone diagnostic procedures, including self-administered procedures; or Taken prescribed drugs or medications Which, as a result of any medical examination, including routine examination, was discovered or suspected during the 12 months just before your insurance became effective.
  • Can you apply for short-term disability insurance while pregnant?
    You can apply for Short Term disability insurance once a doctor says you can't medically work anymore. We reccomend filling out as much paperwork as you can in advance so you can submit the paperwork as soon as you stop working. If you enroll in coverage while you are pregnant then it will be considered preexisitng and you wont be eligible for benefits. The federal government gives paid parental leave (PPL) and our plan is built to coinside with that. We reccomend using the paid 4 weeks of the federal parental leave to cover your 30 day waiting period for us. Then use our plan to extend an extra 6 or 8 weeks depending on whether you give birth naturally or through a c-section. After our benefits end you can use the remaining paid parental leave.
  • What is the waiting period for short-term disability insurance benefits?
    The waiting period for short-term disability insurance benefits is 30 days, during which you must be unable to work due to a covered disability before benefits are paid out.
  • What is long-term disability insurance?
    Long-term disability insurance offers financial protection if you are unable to work for an extended period due to a disability, providing coverage until age 60. This insurance typically replaces 60% of your income, helping you cover living expenses during your time of need.
  • How does long-term disability insurance differ from short-term disability insurance?
    Long-term disability insurance provides coverage for an extended period, after a waiting period of 180 days, and can last to age 60. In contrast, short-term disability insurance covers a shorter period of 2 years, and is designed to provide immediate financial assistance during a temporary disability.
  • What are the key features of long-term disability insurance?
    Long-term disability insurance typically offers benefits that replace 60% of your income if you become disabled and are unable to work for an extended period. It has a waiting period of 180 days before benefits kick in, and the coverage can last for a specified period or until age 60.
  • How does the elimination period work in long-term disability insurance?
    The elimination period in long-term disability insurance refers to the waiting period between the onset of a disability and when you start receiving benefits. It acts as a deductible, and the length of this period is 180 days.
  • What factors should I consider when choosing a long-term disability insurance policy?
    When selecting a long-term disability insurance policy, consider factors such as the benefit amount, elimination period, coverage length, definition of disability, cost, and any additional riders or features that align with your needs and financial situation.
  • What is Accident Insurance?
    Accident Insurance provides cash benefit(s) for a covered injury, related services and treatments resulting from an accident. Accident Insurance helps to protect you and your family against the sudden and unexpected expense accidents can cause. This could include: Diagnostic exams, x-rays and other emergency services Initial and follow-up physician visits Ambulance transportation Hospital admission and confinement Follow-up/recovery services Physical therapy and chiropractic care
  • How does Accident Insurance work?
    Accident Insurance can be an important coverage in addition to medical insurance. Accident insurance can help relieve the financial impact that results from an unexpected, covered accident. ​ This plan pays IN ADDITION to your medical insurance. So, even though you may have health insurance that provides you insurance protection for accidents – this pays YOU directly and regardless of what the health insurance pays. It is specifically designed to provide you financial means to help you cover costs associated with a medical and non-medical expenses with having an accident. The plan helps cover costs such as deductibles, emergency room visits, diagnostic tests such as MRI and Cat Scans, X-rays, Crutches and more. These payments can really go a long way towards offsetting your out-of-pocket expenses and can provide you an additional financial safety net when you need it the most.
  • Is Accident Insurance Available in all States?
    Currently Accident Insurance is only available in the following states: AL, AZ, AR, CT, DE, DC, GA, HI, IA, KY, ME, MD, MA, MO, MT, NE, NJ, NY, ND, OK, RI, TN, WI, WV, WY. We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
  • Do I have to take a physical exam?
    No, you are not required to take a physical exam or provide medical evidence in order to enroll on our Accident Insurance program.
  • Is there a pre-existing condition?
    No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new accident that occurs to a covered member on or after the effective date will be covered.
  • When does the coverage become effective?
    You become eligible for benefits under the plan on the date your first premium has been received.
  • How do I enroll?
    Enrollment is simple you can enroll online.
  • How do I pay for the plan?
    Premiums are current paid through monthly ACH bank withdrawals.
  • Will my premiums increase with age?
    No, the premiums are level for all ages.
  • When can I cancel the plan?
    You may cancel the plan at any time. To cancel the plan, please send an email to CustomerService@FedAdvantage.com.
  • When does the coverage become effective?
    You become eligible for benefits under the plan on the date your first premium has been received.
  • What is Critical Illness Insurance?
    Critical Illness Insurance provides a lump sum cash benefit when you or a dependent is diagnosed with a covered critical illness. You and your dependents are eligible for coverage options of $10,000; $20,000; $30,000. Benefits remain payable if a previously covered illness returns, or if diagnosed with a different covered illness.
  • What does Critical Illness insurance cover?
    Critical illness insurance provides additional coverage for medical emergencies like heart attack, stroke, or cancer. Critical Illness insurance overs a cash benefit if you are diagnosed with a covered condition to help you offset the higher than average medical costs that come with these medical conditions. To see a list of covered conditions, please refer to our Critical Illness Benefit Highlights.
  • Is Critical Illness Insurance available in all States?
    Currently Critical Illness Insurance is only available in the following states: AL, AZ, CT, DE, DC, GA, HI, IL, IN, IA, KY, ME, MD, MA, MO, NE, NJ, NY, ND, OH, OK, RI, TN, WV, WI, WY. We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
  • Do I have to take a physical exam?
    No, This coverage is offered on a guaranteed issue basis, so you are not required to take a physical exam or provide medical evidence in order to enroll on our critical Illness program.
  • Is there a pre-existing condition clause?
    Yes. Only new critical illness that occurs to a covered member on or after the effective date will be covered.
  • When does the coverage become effective?
    You become eligible for benefits under the plan on the date your first premium has been received.
  • How do I pay for the plan?
    Premiums are current paid through monthly ACH bank withdrawals.
  • When can I cancel the plan?
    You may cancel the plan at any time. To cancel coverage, please send an email to customerservice@fedadvantage.com.
  • Is Hospital Indemnity Insurance Available in all States?
    Currently Hospital Indemnity Insurance is only available in the following states: AL, AZ, AR, CT, DE, DC, GA, HI, IL, IN, IA, KY, ME, MD, MA, NE, NJ, NY, ND, OH, OK, RI, TN, VA, WV, WI, WY. ​ We are working to make the program available in as many states as possible, so please check back to see if your state has been added.
  • Do I have to take a physical exam?
    No, you are not required to take a physical exam or provide medical evidence in order to enroll on our Hospital Indemnity Insurance program.
  • Is there a pre-existing condition?
    No. This coverage is offered on a guaranteed issue basis. So, when you enroll, you are automatically issued coverage. Any new hospitalization that occurs to a covered member on or after the effective date will be covered.
  • When does the coverage become effective?
    You become eligible for benefits under the plan on the date your first premium has been received.
  • How do I enroll?
    Enrollment is simple you can enroll online.
  • How do I pay for the plan?
    Premiums are currently paid through monthly ACH bank withdrawals.
  • When can I cancel the plan?
    You may cancel the plan at any time. To cancel the plan, please send an email to CustomerService@FedAdvantage.com.
  • When does the coverage become effective?
    You become eligible for benefits under the plan on the date your first premium has been received.
  • What is liability insurance?
    Liability insurance provides coverage for legal costs and payouts if your business is sued for negligence, injury, or property damage.
  • How does liability insurance protect businesses from financial risks?
    Liability insurance shields businesses from financial risks by covering legal expenses, settlements, and damages resulting from covered claims, helping to safeguard the business's assets and financial stability.
  • Why is liability insurance important?
    Liability insurance is crucial as it provides financial protection against claims resulting from injuries and damage to people or property. For federal employees, it covers legal defense costs for administrative, disciplinary, and criminal investigations, and personal capacity lawsuits. This ensures that even in the face of baseless allegations, employees are protected from financial and legal burdens, allowing them to perform their duties without undue worry about personal liability.
  • What is Pet Insurance?
    A pet insurance policy can help you with your pet’s health care expenses by reimbursing you for covered costs on vet bills. If expenses don’t fall under an exclusion, your policy can make unexpected pet medical expenses more manageable.
  • How does pet insurance work?
    Our process is simple and straightforward. Take your pet to any licensed vet for the care they need, pay the bill, and then submit a claim to us. We’ll reimburse¹¹ you for covered expenses according to your policy provisions. We’ll then process your claim, typically within 5 days. You can receive direct payments or paper checks.
  • How do I know if my pet is eligible for enrollment or coverage?
    We pride ourselves on making it easy to enroll your pet by reducing eligibility limitations. We have no upper age restrictions and no breed exclusions — from puppies and kittens all the way up to seniors, cats and dogs of all ages and breeds are eligible to enroll.¹¹ Pet medical records also aren’t required to be eligible to enroll in a policy. While you can enroll your pet regardless of their age, breed, or health condition, certain conditions and incidents may not be eligible for reimbursement¹⁰ based on policy exclusions or waiting periods.¹² Check out our Coverage FAQ section below for more information.
  • Can I visit any vet?
    MetLife Pet Insurance policies can be used at any licensed vet, emergency clinic, or specialist in the U.S.! Veterinarians don’t need to accept an insurance policy for you to use your benefits because there’s typically no direct payment between the vet and insurance company. You also don’t need (and won’t be sent) an insurance card, your policy packet is your proof of coverage. This means you don’t have to worry about “in-network” and “out-of-network” providers or insurance cards — like you find with human health insurance. If you have a vet you love, stick with them!
  • When does coverage start?
    You likely want coverage that starts as soon as possible. MetLife Pet policies have a 0-day waiting period on accidents and optional Preventive Care benefits — this coverage starts at midnight after you enroll in a policy. Coverage for illnesses begins 14 days after enrollment.¹² You can find the exact start dates for your pet’s coverage in your policy packet.
  • What does a policy cover?
    Metlife Pet policies can cover costs related to accidents and illnesses that first occur after enrollment and any waiting periods are over. Coverage can typically include: Injuries and illnesses Exam fees Surgeries and hospital stays Medications X-rays, ultrasounds, blood work, and other diagnostic tests Hereditary, congenital, and chronic conditions Holistic care and alternative therapies … and much more! Check out our coverage page to see what else can be covered.
  • What doesn't it cover?
    Our pet insurance typically doesn’t cover pre-existing conditions, which include illnesses, injuries, or symptoms that arose prior to the coverage date and/or conclusion of the applicable waiting period. Other things our policies usually don’t cover include microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, and non-prescription food. Reference your policy for full details.
  • Is routine care covered?
    Our pet insurance typically covers unexpected accidents and illnesses, not routine care. However, you have the option to add our Preventive Care plan to your policy. For an additional cost on top of your premium, you could save on various routine and wellness expenses — like teeth cleaning, spaying and neutering, vaccinations, and parasite prevention throughout the year.
  • Can I get all of my pets covered under one policy?
    With our pet insurance for multiple pets, you can add up to three pets on a single policy with a shared deductible to save even more money.¹⁵ You can even group dogs and cats together, or mix and match ages — like a puppy with a senior cat or a kitten with a senior dog. If you have more than three pets, they can be grouped together on additional family policies. You can also add optional Preventive Care to your family plans, so your companions can be covered for the unexpected and expected.
  • Does MetLife Pet Insurance cover exotic pets?
    Yes, we offer coverage for certain exotic pets! We’ve welcomed reptiles, rabbits, ferrets, and birds into our family of protected pals. Call us at (877) 570-1173 to see if we can cover your unique companion.
  • Where can I find details for my policy?
    You can find details about your policy coverage via the MetLife Pet app or your MyPets account online. Once you’re signed into your MyPets account, select “Policies” in the menu. Desktop users should see policy information below their policy number. Mobile users will need to click the “View Details” link on the “Policies” page. Click on the “Policy Packet” button to read the terms and conditions of your pet’s insurance policy. To view your policy details on the app: Download the MetLife Pet Insurance App from the Apple App Store or Google Play. Register your account using the email you signed up with or your policy number. Once you log in to the App, you can set up your pet’s profile as well as view or download your policy packet from the Details screen. Don’t have a policy yet but want to get a peek at some of the details? Download a sample policy.
  • How do I make changes to my policy or coverage?
    MetLife Pet Insurance allows you to make changes to your policy during your annual renewal period. You can add Preventive Care, adjust your coverage levels, upgrade to a family plan, remove a pet, and more. When your policy is up for renewal, call one of our customer service representatives at (877) 549-1671 or (866) 618-3207 to change or revise your policy. Changes can’t be made after the renewal period ends and the policy is active.
  • How do I know when my policy is expiring, or about to renew?
    MetLife Pet Insurance will notify you via email 30 – 60 days before your policy renewal date (varies by state regulations). We’ll automatically renew your policy to prevent a lapse in coverage for your pet, but if you need to make changes to your policy, this is the time to do it. You can check on the status of your policy at any time by signing into your MyPets account and selecting “Policies” from the menu. Desktop users should see policy information below their policy number. Mobile users will need to click the “View Details” link on the “Policies” page. You should see a pending policy in your “Active” policies tab prior to the renewal date.
  • Can I cancel my policy at any time?
    We understand that sometimes life brings changes, and what used to work for you may not anymore. Whatever the reason is, please call us at (877) 549-1671 or (866) 618-3207 to speak with a customer service representative to cancel your policy.
  • How do I update my contact information?
    Sign in to your MyPets account and select “Account” in the menu, then select the “Edit Account Info” button. You can update your name, email address, or phone number(s). To update your mailing address, call (877) 549-1671 or (866) 618-3207 and speak with a customer service representative. Because our pet insurance policies are based in part on your zip code, a change in address can affect your premium, and a revision to your policy will need to be made. To update information regarding your pets, such as age, breed, or name, you'll need to call and speak with a customer service representative.
  • What should I do if my pet passes away?
    We’re sincerely sorry to learn of the loss of your pet. Please call us at (877) 549-1671 or (866) 618-3207 to speak with a customer service representative to cancel or adjust your policy. Individual plans can be canceled, but if your pet was part of a multi-pet policy (family plan), a representative can assist you in removing them from the policy and reviewing policy changes that take place when this happens. To help you navigate this difficult time, you and your family are eligible for grief counseling¹⁶ sessions at no cost to you with a licensed, professional counselor. For more information, please contact TELUS Health at (866) 456-0017. Grief counseling is currently not available to NY residents, but we encourage you to seek out any assistance you may need via help lines or other counseling options.
  • How do I access MetLife Pet's 24/7 online vet chat?
    Policyholders have access to free vet telehealth chat services¹⁷ at any time through the MetLife Pet app. Simply select the live text chat option within the app to connect with a licensed veterinarian who can help answer your pet care questions. So if your puppy just ate a bug, your cat is limping, or your kitten tore a nail, you can quickly ask a vet for their professional advice on what to do to help them feel better — whether it’s an at-home fix or a suggested trip to the vet.
  • How do I file a claim and what documents do I need?
    To file a claim, please be sure to submit the following documents to get it processed as quickly as possible. We’ll request additional documents or contact your vet if we need more information. Your pet’s veterinary medical records — also known as SOAP notes or medical chart notes — are separate from the vet visit summary notes provided with your invoice. Ask your vet to provide you with copies. The itemized invoice from the vet visit is also needed. If this is your first claim with MetLife Pet Insurance, we require the last 12 months of veterinary records (or adoption records, if applicable) to process your claim. A completed claims form, which you can download from our claims page, can help the claims team see what you’re seeking reimbursement for, but it is not required to move forward in the claims process. You have the option to submit your claim via the MetLife Pet app, MyPets online portal, email, text, fax, or mail. See below for details on each option. MetLife Pet App Go to the Claims screen to submit your documents for a new claim. Just select the +New Claim or Documents button and follow a few simple steps to send your Vet visit notes and invoice to us. You will then receive an email about your new claim, and be able to see your claim’s status in the App claims screen. When your claim is processed, you will receive another email as well as a notification in the App letting you know. Your EOB (Explanation of Benefits) will also be available in the email as well as in the App for you to download or view. MyPets Online Portal Click “Submit a Claim” in the menu to upload digital files of your veterinary records (SOAP notes, chart notes, etc.) and itemized invoice. Select the pet the claim is for. If you’re submitting a claim for more than one pet, you’ll need to upload the applicable documents for each pet (even if the documentation has both pets listed). Select whether it’s a “New” or “Existing” claim. Select “Existing” when you need to send additional documents for a submitted claim. Click “Add Files.” Select the files needed to process the claim, then click “OK.” Verify all the files and documentation needed are listed on the screen. Click “Submit” to send the documentation to MetLife Pet Insurance. Email Claims email address: pet_submit_claim@metlife.com To submit your claim via email, include your policy number and pet name in the body of the email. Please be sure to properly attach all documents — don’t copy and paste within the body. When attaching documents, please be aware that the max file size per file is 7 MB, and 12 MB for all files in a single submission. Text Claims text number: 317-820-2275 Fax Claims fax number: 877-281-3348 Again, please be sure to note the pet's name and policy number on all fax documentation. Mail Claims mailing address: MetLife Pet Insurance Attn: Claims Department 400 Missouri Avenue, Suite 105 Jeffersonville, IN 47130
  • When do I need to submit my claim?
    You must submit a claim within 90 days of your pet’s treatment to be eligible for reimbursement.
  • How do I check the status of my claim?
    You can check your claim status via the MetLife Pet app or your MyPets account. In your MyPets account, select “Claims” in the menu to view any received and past processed claims. If you’re missing any documentation needed to process the claim, the required items will be displayed on the “Received” tab. Upon logging in, there will also be a red bar across the top of the screen to let you know more documentation is needed, and you should receive an email detailing exactly what we require. Once you send the additional documents, we can get it processed quickly and send the reimbursement to you as soon as possible — if it’s a coverable incident. Via MyPets, you can select the “Processed” tab to view the claim nature, status, amount requested, amount reimbursed, or reason it was denied. Click the “>” at the end of the bar to expand information on your claim. If you are checking the status of your claim on the app, go to the Claims screen to submit your documents for a new claim. Just select the +New Claim or Documents button and follow a few simple steps to send your Vet visit notes and invoice to us. You will then receive an email about your new claim as well as be able to see your claim’s status in the App claims screen. When your claim is processed, you will receive another email as well as a notification in the App letting you know. Your EOB (Explanation of Benefits) will also be available in the email as well as in the App for you to download or view.
  • How fast can I get reimbursed after I submit my claim?
    Most claims are processed within 5 days if we have all of the documentation required to process it upfront. If we need more information, this can delay the reimbursement process. Reimbursements for covered claims can then be paid out either by direct payments or paper checks. You can usually receive direct payments faster than checks. To ensure a quick turnaround and get money back in your pocket, it’s important to submit the necessary paperwork and check the status of your claim, should we need additional information.
  • How do I get my reimbursement?
    You can choose between direct payments — through Direct Deposit (ACH), Zelle®¹⁸, or PayPal — or paper checks sent in the mail. Following your first approved claim with a reimbursement, you’ll receive a link to select, and save, your preferred reimbursement method. Future claims that require reimbursement will automatically be issued via your selected method once the claim is processed.
  • Are there any discounts?
    Yes! A variety of discounts are available, including: Military, Veteran, & First Responder Discount Healthcare Workers Discount FedAdvantage Member Discount As a FedAdvantage member, you’ll receive an automatic 10% discount on your rates—already reflected in your quote! This discount can be combined with other eligible discounts. We also have a healthy pet incentive so you can save on your deductible. If you go claim-free in a policy year, we’ll automatically decrease your deductible by $50.
  • How do I pay for my pet insurance?
    You can set up an automatic payment from your bank or credit card with us. If your policy is part of your employee group benefits, payroll deduction may be available.
  • How does a deductible work for pet insurance?
    A pet insurance deductible is the amount of money you pay out of pocket before your provider starts reimbursing you for covered expenses. MetLife Pet offers a customizable annual deductible (from $0 – $2,500) that renews each policy year.¹³ For example, if your policy has a $500 deductible, you would need to first pay $500 toward any claims you submit during your policy year that are eligible for coverage. Once you’ve met the $500, your insurance provider can reimburse you for all future eligible expenses at your reimbursement rate (and up to any annual limits) for that policy year.¹¹,¹⁴
  • What is the reimbursement rate?
    The reimbursement rate is the amount of money, as a percentage, that your policy will pay out for eligible medical expenses. MetLife Pet offers customizable options up to 90%.¹¹ Say you have a $3,000 vet bill that’s covered under your policy. After you meet your policy’s $500 deductible, you’ll have a $2,500 vet bill eligible for reimbursement. A policy with an 80% reimbursement rate would cover $2,000 of the remaining $2,500.¹⁹
  • What is the annual benefit limit?
    Annual benefit limits cap your reimbursement within a 12-month period. Each policy typically has a maximum amount of money you can be reimbursed for per policy year. Once you’ve hit your annual benefit limit, you’ll be responsible for the full cost of your vet bills until your annual limit resets. MetLife Pet offers customizable annual limits starting at $500, including an unlimited option.¹⁴ Speaking of caps, we don’t have per-incident limits on claims. You can be reimbursed for all covered expenses up to your annual benefit limit — even if you submit multiple claims for the same incident.¹⁴
  • Is Pet Insurance Worth It?
    Pet insurance is centered on helping you maintain the health of your furry companions. Learn if pet insurance is worth it.

* Photos do not represent actual MetLife customers. This example is for illustrative purposes only. This is based on a policy with a $250 deductible with a 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable policy to determine coverage in each individual case.

 

¹ Must be eligible for applicable discount. When using multiple discounts, discounts cannot exceed 30%. Each discount may
  not be available in all states. Please contact MetLife Pet for further details.

² Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

³ Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not
  available with Family Plans.

⁴ Coverage options may be limited for certain ages.

⁵ Not available in all states. 

⁶ American Pet Products (APPA) National Pet Owners Survey of 2023 and 2024.
⁷ MetLife's U.S. Pet Love Survey conducted by CITE Research, 2023.
⁸ Money.com, How Much is An Emergency Vet Visit? | Money, 2023.
⁹ MetLife's 21st Annual U.S. Employee Benefit Trends Study, 2023.​

¹⁰ "The Cost of Dog Parenthood in 2024,” Rover, https://www.rover.com/blog/cost-of-dog-parenthood/ 

¹¹ Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply. 

¹² Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy. Illness coverage begins 14 days from the effective day of your policy. 

¹³ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. For exotic pets, deductible options are $0 – $2,500. 

¹⁴ Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply. Unlimited option not available for exotic pets. The maximum annual limit offered for exotic pet coverage is $10,000. 

¹⁵ Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans. 

¹⁶ Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available to NY residents. 

¹⁷ Virtual 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 policy. The MetLife Pet App features are coming soon for exotic pet policyholders. 

¹⁸ MetLife Pet Insurance is not authorized, endorsed, or sponsored by the respective owners of Zelle, or any other third-party marks. 

¹⁹ This hypothetical example is for illustrative purposes only. This is based on a policy with a $500 deductible and 80% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case. 

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