Pet Insurance

Care for Your Furry Family Members

Pets are family too. Starting with your 2027 benefits, Smart Options includes MetLife Pet Insurance — coverage designed to help with the cost of accidents, illness and everyday vet care, so you can make decisions based on what’s best for your pet, not just your budget. Coverage is available for pets of any breed or age, and you can enroll anytime, not just during Open Enrollment.

Why MetLife Pet Insurance

Because your pets are part of the family, this coverage is built to flex around how you and your pet actually live:

  • No breed exclusions or upper age limits
  • Choose your reimbursement level — 50%, 70%, 80% or 90%
  • Deductible options from $0 to $2,500, so you can build a plan that fits your budget
  • Vet-recommended medications, surgeries and treatments are covered, with no per-incident or lifetime limit
  • No waiting period for orthopedic conditions, and one of the shortest waiting periods in the industry for accidents and illness
  • Optional wellness coverage available for routine care, like flea and tick medication, teeth cleaning and bloodwork
  • Switching from another pet insurance provider? MetLife will cover pre-existing conditions that were covered under your old policy.

What’s Covered

MetLife Pet Insurance covers a wide range of conditions and everyday care, including:

  • Exam fees, telemedicine visits and prescription pet food
  • Hereditary, congenital and chronic conditions
  • Orthopedic conditions (no waiting period) and physical therapy
  • Dental (periodontal) disease and dermatological conditions
  • Vaccine-preventable diseases and aging-pet eye and ear conditions
  • Injuries caused by other pets in your home

Extra value-added benefits include a telehealth concierge service, boarding-fee reimbursement if you’re hospitalized for 48+ hours, coverage for loss due to theft or straying, and cremation, burial and mortality benefits with grief counseling if you lose a pet.

The MetLife Pet App

Manage your pet’s health and insurance all in one place with the MetLife Pet app:

  • View your policy, and submit and track claims — most are processed within 5 days
  • Access live 24/7 vet chat for answers and tips from licensed vets
  • Upload and store your pet’s health records, with reminders for upcoming vaccinations
  • Find nearby pet service providers

How to Enroll

Since you pay MetLife directly, your policy goes with you if you ever leave Givaudan. You can enroll anytime — you don’t have to wait for Open Enrollment.

Get a quote and enroll at www.metlife.com/getpetquote or by calling 800-GET-MET8 (438-6388).

Note: Pre-existing conditions aren’t covered, though this exclusion may be waived if your pet already has similar coverage under a current policy.