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MetLife Pet Insurance is committed to helping pet parents experience the joys of parenthood by helping them cover the cost of care for a sick or injured pet. Pet insurance helps to reimburse pet parents for covered unexpected veterinary expenses for their furry family members, helping to give members confidence that they can care for their pets like family.

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Enrollment Experience    
Covers All Breeds & Ages   Yes
No Initial Exam/Past Vet Notes Required   Yes
No Cancellation Fee   Yes
Accident Coverage Starts at Midnight   Yes
No Annual Care Requirements to Keep Coverage   Yes
No Neuter/Spay Requirement   Yes
Benefits & Limits    
No Schedule of Benefits   Yes
No Lifetime Limit   Yes
No Per-Incident Limit   Yes
Optional Wellness Coverage (Preventive Care)   Included in Annual Limit
No Diagnostic Test Limit   Yes
No Customary Charge Restrictions   Yes
Healthy Pet Incentive   $50
Automatic Annual Limit Increase   Yes
Core Coverage    
Exam Fee Coverage   Yes
Telemedicine Visit Coverage   Yes
Prescription Food Coverage   Yes
Hereditary Conditions   Yes
Congenital Conditions   Yes
Chronic Conditions   Yes
No Waiting Period for Orthopedic Conditions   Yes
Physical Therapy   Yes
Crucial Repair   Yes
Bi-Lateral Conditions   Yes
Holistic/Alternative Therapy   Yes
Periodontal Diseases   Yes
Vaccinatable Diseases   Yes
Dermatological Conditions   Yes
Injuries Caused by Housemates   Yes
Aging Pet Ear & Eye Conditions   Yes
Added Value Coverage    
Telehealth Concierge Service   Yes
Boarding Fees While You're Hospitalized   Yes
Loss Due to Theft or Straying   Yes
Cremation Benefits   Yes
Burial Benefits   Yes
Mortality Benefit   Yes
Grief Counseling Upon Death of Pet   Yes
Coverage & Rates shown are for the 2025/26 Plan Year, effective 7/1/2025 through 6/30/2026.
  Underwriting is required, as rates vary by animal type, breed, species, and other factors.

  Eligibility:
      For eligible active employee members only.
      Only available if Employer group allows this coverage to be offered.
  Opportunities:
      OPEH&W Initial Enrollment.
      OPEH&W Annual Open Enrollment.
      First Offering from OPEH&W.