Give your pet the protection they deserve

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 mobile app, online portal, email, fax or mail, and we’ll process your claim within 10 days.4 Then, you’ll receive reimbursement5 by check or direct deposit if the claim expense is covered under the policy.

Each pet’s premium will be unique based on the age, breed, location, as well as what coverage amount you select.10 Plus, if you go claim-free in a policy year, we’ll automatically decrease your deductible by $25 or $50.11

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 reimbursement5 if the claim expense is covered under the policy.

Since MetLife is designed to cover unexpected veterinary costs, our pet insurance plans do not cover pre-existing conditions or routine/preventive care. However, coverage for routine/preventative care can be added to any of our plans by attaching our routine care rider to the policy. Here's what isn't covered:
• routine exams
• vaccines
• titer testing
• flea, tick and heartworm medications
• de-worming
• nail trims
• spaying or neutering
• microchip implantation
• grooming
• routine ear cleaning
• anal gland expression
• boarding
• behavioral training
• dental cleaning for periodontal disease, but we do cover the treatment of periodontal disease.

Hereditary conditions are inherited diseases or disorders. They plague certain breeds of dogs and cats and are passed down from your pet's parents to your pet. These illnesses are diverse, ranging from very serious to nearly benign. A congenital condition is an ongoing health concern not genetically linked, but developed while your pet was in utero. These can include things like cherry eye and hip dysplasia, though congenital conditions take countless forms. MetLife is proud to offer coverage for all congenital and hereditary conditions on our pet insurance plans as long as they aren't pre-existing at the time your policy begins. Not sure if your pet's illness or injury is hereditary or congenital? Ask your veterinarian or check with a MetLife representative.

Approved claims are paid within 14 days via check in the mail or direct deposit.

Carefree Pet is a cloud-based system which allows access to Carefree PetCloud, an online portal to store all your pet’s vital information including uploading veterinary records for easy access. In the event they become lost and are found, their information is accessed through PawPinner tags with a designated identification number and three ways to retrieve the owner or emergency contact when your pet is found.

You can add your pet’s profile picture, emergency contacts, veterinary, medical and vaccination data and any insurance, food preferences or additional information that would be vital shall your pet become lost and then found.

A microchip requires the found pet to be taken to a veterinary office with a particular scanner during business hours. Microchips have been known to move underneath the pet’s skin and may not be detectable. A GPS collar is limited in the distance the pet may travel and remain within range, in addition to the collar must be recharged to remain functional. Carefree Pet's PawPinner tags aren't limited by batteries or vet visits. Once your Carefree Pet tag is scanned by any smartphone you will immediately be notified of the location of the pet and the person who found the pet will be provided your pet's Carefree Pet profile page listing your contact information and health history.

Once you receive your fulfillment package in the mail, log onto the Carefree Pet portal and click “Activate My Tag”.

Yes. We have less than a 25 hour waiting period for accidents (midnight EST next day). For example, if you sign up on Monday, and your cat falls out of a tree on Tuesday, you can take her to the vet and be reimbursed for her care. There's a 14-day waiting period for illnesses. If your puppy develops an ear infection, and you've been a policyholder for more than 14 days, we'll be able to help you cover the associated costs. Please note, there's a 6-month waiting period for cruciate ligaments and disc disease.

We believe that every individual and their pet have unique needs. Hence we provide the ability to customize your coverage. Coverage is flexible and customizable so that you can choose the plan that works for you.

Coverage includes:

accidental injuries
illnesses
exam fees
surgeries
medications
ultrasounds
hospital stays
X-rays and diagnostic tests
And our coverage2 also includes:

hip dysplasia
hereditary conditions
congenital conditions
holistic care
chronic conditions
alternative therapies
and much more!

MetLife considers the following to be routine or preventative:
• Routine examinations like annual vet exam, routine tests or screens
• Vaccines
• Teeth cleaning or polishing
• Nail trimming, declawing, dewclaw removal, tail docking, and ear cropping
• Micro-chipping
• Spaying and neutering
• Anal gland expression
• Behavior training

Our plans do not provide coverage for preventive care, but you can add routine care coverage to any policy and greatly increase your coverage for many of the conditions and concerns listed above.

We consider a chronic condition to be any health concern that will require long-term treatment. Chronic conditions are everything from allergies to arthritis, diabetes to glaucoma, and are covered by our pet insurance plans as long as they are not pre-existing to the policy. Not sure if your pet has a chronic condition? Ask your veterinarian for more information or consult with a MetLife representative.

Your membership includes Carefree Pet (lost-pet notification system with online profiles and tags for up to 10 pets), Carefree Virtual Vet (24/7 access to veterinarian assistance via phone and video), Carefree PetRx (discounts on prescribed medications and preventatives), Wigglepon (member only access to discounts on pet products and services), and a Pet Warranty protection benefit.

The process is simple, and consists of three easy steps. The first step is to choose a Carefree Pet tag and sign up for the monthly membership. Next, upon receiving tags and a welcome kit, log into your account and input all relevant information. In the event a pet becomes lost, the back of each Carefree Pet tag includes three contact options which allow the finder to quickly identify the owner. First, a QR code with the pet's unique profile URL will provide their information if scanned by a smartphone. Second, the pet's information can be accessed through the Carefree Pet website by entering their dedicated ID number. Lastly, the Carefree Pet toll free phone number can be called 24/7 and a representative will assist in the reuniting of pet and owner.

As often as needed. It is important to keep your pet’s profile updated with the most current information to help with reunification.

When a lost pet is found, their tag has an icon of a hand holding a phone which lets the finder know to scan the QR code, go cfpinner.com or call 844-325-6738 to locate the owner.