Furry family members bring you endless joy, companionship, and unconditional love, but the rising costs of pet care, especially during unexpected emergencies and vet visits, are adding significant stress for pet parents. Balancing the love for your pets with the financial burden is becoming increasingly difficult.
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U.S. overall annual vet costs can total between $700 and $1,500. The average national cost for emergency care ranges from $250 to $8,000
64%
Over 60% of pet owners said their pet has had an unexpected medical expense
6 in 10+
More than 6 in 10 of senior pets are suffering from chronic illness, requiring more frequent and costly medical care
KCAL Insurance Agency proudly presents award-winning MetLife Pet Insurance, rated by the leading independent recognition platform – The Pet Innovation Awards, as the “Pet Insurance of The Year”. With a small monthly payment, our comprehensive and extensive plans help you feel more confident your best friends can get the care they need to live long and healthy lives. A small monthly payment can help take the stress out of covering the cost of unexpected visits to the vet with your furry family members with MetLife Pet Insurance.
No breed exclusions, no upper age limits, no initial exams or previous vet records needed to enroll.
Accident coverage and wellness coverage begin on the effective date of your policy. Illness coverage begins 14 days later.
No per-incident or lifetime limits. Most claims get processed within five business days.
Illness and hospitalizations
Accidents and injuries
Emergency and surgeries
Diagnostics
Other
Laser therapy
Acupuncture and hydrotherapy
Intervertebral disc disease treatment
Other
Dental cleaning
Flea, tick, and heartworm prevention
Vaccinations
Spay and neuter
Other
Bella, a two-year-old mixed breed dog, swallowed a few pebbles and required emergency surgery. Despite Bella's successful recovery, the emergency vet bill totaled $2,560. Fortunately, with pet insurance coverage, the pet parent could claim 90% of the expenses after the deductible and saved $2,304 out-of-pocket costs.
Bisquick, a four-year-old orange tabby, developed urinary obstruction and needed urgent treatment. The medical costs amounted to $3,330, putting serious pressure on the family. Luckily, Bisquick had MetLife coverage. The insurance reimbursed $3,000, greatly easing the financial burden. Bisquick has recovered, and the family is even more grateful for their decision to get pet insurance.
Visit any licensed veterinarian, specialist or emergency clinic in the U.S. and pay the bill
Send the bill and claim documents for reimbursement to MetLife
If a claim expense is covered by the policy, receive your reimbursement via check or direct deposit within five business days
Each pet's premium will be unique based on the age, sex, breed, and location, as well as what coverage amount you select. Plus, if you go claim-free in a policy year, we'll automatically decrease your deductible by $25 or $50.
Pet insurance companies typically don't fully cover pre-existing conditions, which are generally illnesses, injuries, or symptoms that occurred prior to the coverage date and/or any applicable waiting period. However, MetLife Pet may actually cover certain pre-existing conditions when switching providers. These include conditions that were covered by a previous insurance provider for group policyholders. Call MetLife pet insurance line 855-810-4672 to learn more about pre-existing conditions and reference your policy for full details.
Yes, you can visit any licensed veterinarian, specialist or emergency clinic in the U.S.
MetLife Pet Insurance provides among the shortest wait periods for accident and illness coverage. Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.
The MetLife mobile app allows you to manage your pet insurance, keep your pet's health records all in one location, file and track claims, access live 24/7 vet chat and special discounts, and find nearby pet services.
You can set up an automatic payment from your bank or credit card with us.
Yes, we offer group discounts for your employers. For more details, please get in touch with KCAL Insurance Agency at 626-333-1111.
*The actual insurance policy and benefits are determined by the issuing insurance company and may vary. Please review the policy documents for specific terms and conditions, as coverage is subject to change at the insurer's discretion. KCAL Insurance Agency reserves all the right of final interpretation of the service.