The AIP Logo

1-800-922-1245

Monday-Friday, 8am-6pm Eastern Time

Pet Insurance

Help make sure your furry family members are protected against unplanned vet expenses for covered accidents or illnesses with MetLife Pet Insurance, underwritten and Issued by Independence American Insurance Company and Metropolitan General Insurance Company. See Note 1

1 Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions. Hide

100%

You may be able to cover up to 100% from veterinary expenses at any licensed veterinarian, specialist or emergency clinic in the U.S. See Note 2

2  Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. Hide

Why is Pet Insurance Important?

  • A relatively small monthly payment can help you prepare for unexpected vet expenses down the road
  • More than 6 in 10 pet owners said their pet has had an emergency medical expense See Note 3

    3  2019 Benefits Pro “Americans willing to spend as much on pets’ health care as their own”. Hide

  • 24% of pet parents have credit card or personal loan debt to cover pet health and vet costs See Note 4

    4  Delfino, Devon. “42% of Millennials Have Been in Debt for Their Pet,” lendingtree, https://www.lendingtree.com/personal/pet-financing/average-pet-debt/. Accessed 22 April 2020. Hide

  • Average annual cost for a routine vet visit is $212 for a dog and $160 for a cat; and average annual cost for a surgical vet visit is $426 for a dog and $214 for a cat See Note 5

    5  2019-2020 APPA National Pet Owners Survey. Hide


What is Covered?

  • accidental injuries
  • illnesses
  • exam fees
  • surgeries
  • medications
  • ultrasounds
  • hospital stays
  • x-rays and other diagnostics

Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC. Hide

Coverage Also Includes:

  • hip dyplasia
  • hereditary conditions
  • congenital conditions
  • chronic conditions
  • alternative therapies
  • and much more!

Key Benefits

The Western Michigan University Alumni Association receives financial benefits from the administrator that provides this program. These benefits fund alumni programs and activities.