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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.