Call Us: (844) 746 7297

Find a Lost Pet?

Prioritize Your Pet’s Health,
Not Financial Stress

  • Comprehensive Accident & Illness Coverage

  • Preventative Care Add-On Available

  • No Breed or Age Restrictions

  • 5 Pet-Centric Membership Perks Included1

Starting at $19/mo

Prioritize Your Pet’s Health, Not Financial Stress

  • Accident & Illness Coverage

  • Preventative Care Available
  • No Breed or Age Restrictions

  • Additional Membership Perks

Fetch Your QuoteFetch Your Quote

Starting at $19/mo

Prioritize Your Pet’s Health, Not Financial Stress

  • Comprehensive Accident & Illness Coverage
  • Preventative Care Add-On Available
  • No Breed or Age Restrictions

  • 5 Pet-Centric Membership Perks Included1

Fetch Your QuoteFetch Your Quote

Starting at $19/mo

Home2025-05-01T19:41:54+00:00

What’s Covered in Our Pet Insurance Plan?

Unexpected vet bills can be overwhelming, but with Pin Paws Pet Care insurance for cats and dogs,
you won’t have to choose between your pet’s health and your finances.

What’s Covered in Our Pet Insurance Plan?

Unexpected vet bills can be overwhelming, but with Pin Paws Pet Care insurance for cats and dogs, you won’t have to choose between your pet’s health and your finances.

Alert Accident & Injuries

Hospitalizations and emergency care

Cruciate ligaments, including anterior (ACL), medial (MCL), cranial (CCL), and posterior (PCL)2

Foreign body ingestions

illnesses & Conditions Illnesses & Conditions

Hereditary, congenital, and chronic conditions

Periodontal disease

Intervertebral disc disease (IVDD)2

Anal gland sacculitis, abscess, or cancer

Pregnancy3(for mother only)

Burial and/or cremation (including grief counseling4)

Procedures Procedures

Surgeries

Routine complications

Endodontics (root canal) and orthodontics (braces)

Removal of deciduous teeth3

Procedures Diagnostics

Diagnostic tests

X-rays

Ultrasounds

Exam fee

Procedures Prescriptions & Treatments

Prescription pet foods

Medications, including allergy and anxiety

Anal gland expression3

Preventative treatment3

Medicated baths

Treatment of heartworm, parasites, and Lyme disease

Cancer treatment

Holistic Alternatice Therapies Holistic/ Alternative Therapies

Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)

Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)

What’s Covered Under the Preventative Care Add-On?

The optional preventative care plan enhances the standard injury and illness policy with extra wellness coverage for regular care5. Here’s a list of what can typically be covered with this optional benefit:

  • Parasites, heartworm and Lyme prevention
  • Vaccines
  • Teeth Cleaning
  • Supplements and vitamins5
  • Nail trim3

  • Genetic testing5 (only if purchased through a vet)

  • Dew claw removal6
  • Radiograph screenings6
  • Tail docking5
  • EKG
  • Spay/neuter
  • Behavior training (if recommended by a vet for anxiety or aggression)
  • Gastropexy5
  • Anal gland expression5

Customizable Pet Insurance Plans to Fit Your Budget

Pin Paws Pet Care helps pet parents save on out-of-pocket costs associated with unexpected accidents and illnesses.

Dog Insurance

Pet Insurance for Dogs & Puppies

Cat Insurance

Pet Insurance for Cats & Kittens

Customizable Pet Insurance Plans to Fit Your Budget

Pin Paws Pet Care helps pet parents save on out-of-pocket costs associated with unexpected
accidents and illnesses.

Dog Insurance

Pet Insurance for Dogs & Puppies

Cat Insurance

Pet Insurance for Cats & Kittens

Need Pet Insurance for Multiple Pets?

Our family plan covers up to three dogs or cats on the same insurance policy with one annual deductible.

Family Plan Discount

Save 5% when you group your pets on one policy.

Shared Deductible

One policy helps you reach your deductible faster.

Combined Annual Limit

Allocate coverage between pets when needed.

Personalized Plans

Customizable policy options to fit your budget

Need Pet Insurance
for Multiple Pets?

Our family plan covers up to three dogs or cats on the same insurance policy with one annual deductible.

Family Plan Discount

Save 5% when you group your pets on one policy.

Combined Annual Limit

Allocate coverage between pets when needed.

Shared Deductible

One policy helps you reach your deductible faster.

Personalized Plans

Customizable policy options to fit your budget

Fetch Your Family Plan QuoteFetch Your Family Plan Quote

Enjoy the Added Benefits of Pin Paws Plus

More than just insurance—enjoy extra perks with every Pin Paws Pet Care Membership.1

Pin Paws

An innovative lost pet notification system helping lost pets be reunited with their owners quicker. Pets receive a dynamic tag linked to their online profile.

Virtual Vet

24/7 pet telehealth. Connect in seconds with a veterinary expert via call, email or live chat to discuss your pet’s health or behavior.

Pet Warranty

Replace pet devices and fix damage to household items (such as chewed up rugs and couches) with up to $1,500 for repairs or replacements annually.

Rx Savings

Easiest way to save money on your pet’s medications, preventatives, and supplies. Pick up from your local retail pharmacy or request delivery.

Perks & Discounts

Member’s only exclusive coupon codes and discount links for pet-centric products and services including pet food, apparel, subscription boxes and more!

Enjoy the Added Benefits
of Pin Paws Plus

More than just insurance—enjoy extra perks with every Pin Paws Pet Care Membership.1

Pin Paws

An innovative lost pet notification system helping lost pets be reunited with their owners quicker. Pets receive a dynamic tag linked to their online profile.

Virtual Vet

24/7 pet telehealth. Connect in seconds with a veterinary expert via call, email or live chat to discuss your pet’s health or behavior.

Pet Warranty

Replace pet devices and fix damage to household items (such as chewed up rugs and couches) with up to $1,500 for repairs or replacements annually.

Rx Savings

Easiest way to save money on your pet’s medications, preventatives, and supplies. Pick up from your local retail pharmacy or request delivery.

Perks & Discounts

Member’s only exclusive coupon codes and discount links for pet-centric products and services including pet food, apparel, subscription boxes and more!

Why Pin Paws Pet Care?

As a strategic partner with MetLife since 2018, we’re committed to providing reliable, affordable,
and trustworthy coverage so our pets can live happier, healthier, longer lives.

Powered by MetLife Pet

Recognized as the 2024
“Pet Insurance of the Year”

Multiple Pets, One Policy

Shared annual deductible, up to 3 pets on one policy.

No Age or Breed Restrictions

Protection for all dog and cat breeds of any age.

Membership Perks1

Save on products and services for all pets in the home.

Why Pin Paws Pet Care?

As a strategic partner with MetLife since 2018, we’re committed to providing reliable, affordable, and trustworthy coverage so our pets can live happier, healthier, longer lives.

Powered by MetLife Pet

Recognized as the 2024
“Pet Insurance of the Year”

Multiple Pets, One Policy

Shared annual deductible, up to 3 pets on one policy.

No Age or Breed Restrictions

Protection for all dog and cat breeds of any age.

Membership Perks1

Save on products and services for all pets in the home.

How Pet Insurance Works

Insurance can be confusing. That’s why we try to make ours simple to use and easy to understand.

Take your pet to the vet

Visit any licensed vet, emergency clinic, or specialist in the U.S. There’s no network of providers to worry about.

Send us your claim

Pay your bill at the vet, then send us your claim along with the invoice from your visit and any relevant vet records.

Get money back quickly

We’ll follow up with your vet for any missing info. Most claims are processed in about 10 days.

How Pet Insurance Works

Insurance can be confusing. That’s why we try to make ours simple to use and easy to understand.

Take your pet to the vet

Visit any licensed vet, emergency clinic, or specialist in the U.S. There’s no network of providers to worry about.

Send us your claim

Pay your bill at the vet, then send us your claim along with the invoice from your visit and any relevant vet records.

Get money back quickly

We’ll follow up with your vet for any missing info. Most claims are processed in about 10 days.

Happy Pets, Happy Owners: Hear Their Stories

Discover What Others Are Saying About Pin Paws.

Senior dogs need more care. Insurance helps with vet bills. It is comforting to give him the best care.

Laura Smith

Seattle, WA

After our dog’s accident, insurance covered most of the hefty vet bills. We could focus more on his recovery.

David Martinez

Miami, FL

When our cat needed urgent care, insurance covered it. No hesitation, just prompt, quality care.

Jessica Williams

Houston, TX

Our dog’s chronic condition needs meds and vet visits. Insurance helps manage costs. Health and happiness.

Ryan Davis

Chicago, IL

Insurance made vet visits affordable. No more worries about check-ups or illnesses. Best care for our cat.

Michael Brown

Los Angeles, CA

Pet insurance saved us when our dog needed surgery. We’re grateful to Pin Paws for covering most expenses.

Emily Johnson

New York, NY

Happy Pets, Happy Owners: Hear Their Stories

Discover What Others Are Saying About Pin Paws.

Senior dogs need more care. Insurance helps with vet bills. It is comforting to give him the best care.

Laura Smith

Seattle, WA

After our dog’s accident, insurance covered most of the hefty vet bills. We could focus more on his recovery.

David Martinez

Miami, FL

When our cat needed urgent care, insurance covered it. No hesitation, just prompt, quality care.

Jessica Williams

Houston, TX

Our dog’s chronic condition needs meds and vet visits. Insurance helps manage costs. Health and happiness.

Ryan Davis

Chicago, IL

Insurance made vet visits affordable. No more worries about check-ups or illnesses. Best care for our cat.

Michael Brown

Los Angeles, CA

Pet insurance saved us when our dog needed surgery. We’re grateful to Pin Paws for covering most expenses.

Emily Johnson

New York, NY

Explore Our Non-insured Pet Health Memberships

Find the perfect plan to support your pet’s well-being, without the need for insurance.

Pin Paws

Starting at
$9.99 / mo

A Beacon of Hope for Wandering Paws

  • Dedicated PetCLOUD Profile

  • PawPINNER Location Finder

  • Smart GPS Dynamic Tag

  • FREE Tag Replacements

  • Multi-pet Discount

Pin Paws Plus

Starting at
$24.95 / mo

Unlimited Use for All Pets in Your Home

  • Pin Paws

  • Pin Paws Virtual Vet
  • Pin Paws Rx
  • Pin Paws Pet Warranty

  • Wigglepon

Explore Our Non-insured Pet Health Memberships

Find the perfect plan to support your pet’s well-being, without the need for insurance.

Pin Paws

Starting at
$9.99 / mo

A Beacon of Hope for Wandering Paws

  • Dedicated PetCLOUD Profile

  • PawPINNER Location Finder

  • Smart GPS Dynamic Tag

  • FREE Tag Replacements

  • Multi-pet Discount

Pin Paws Plus

Starting at
$24.95 / mo

Unlimited Use for All Pets in Your Home

  • Pin Paws

  • Pin Paws Virtual Vet
  • Pin Paws Rx
  • Pin Paws Pet Warranty

  • Wigglepon

Pawsitive Insights: Tips for Pet Parents

At Pin Paws, we strive to keep our pet parents engaged and responsible. Through our blog posts, we offer information
and education to sustain and enhance the health of the pets we serve.

Pawsitive Insights: Tips for Pet Parents

At Pin Paws, we strive to keep our pet parents engaged and responsible. Through our blog posts, we offer information and education to sustain and enhance the health of the pets we serve.

Pet Health

Heartworms in Pets: What Every Pet Owner Needs to Know

2 minute

March 26, 2025

Breed Information

The Cane Corso: A Powerful and Loyal Guardian

2 minute

March 13, 2025

Pet Health

Prescription Medications: Are They Covered by Pet Insurance?

4 minute

March 7, 2025

Little Know Facts

A Complete Guide to International Travel with Pets

2 minute

February 18, 2025

Pet Health, Pet Safety

Everything Pet Parents Need to Know About Catnip

2 minute

December 19, 2024

Frequently Asked Questions

Find answers to commonly asked questions about Pin Paws Pet Care.

Pet owners can buy a pet insurance policy to help cover their pet’s health care expenses. With Pin Paws Pet Care, you may be able to cover up to 90% of the vet bill from any licensed veterinarian, specialist or emergency clinic across the U.S.6

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 though our online portal, email, fax, or mail, and we’ll process your claim within 10 days. Then, if the claim expense is covered under your policy, you’ll receive reimbursement by check or direct deposit or through quick-pay options like Zelle and Apple Pay.

As soon as you get a new pet, it’s a good idea to start protecting them with pet insurance. MetLife pet insurance provides among the shortest wait period for accident and illness coverage7. Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

Frequently Asked Questions

Find Answers to Commonly Asked Questions About Pin Paws Pet Care.

Pet owners can buy a pet insurance policy to help cover their pet’s health care expenses. With Pin Paws Pet Care, you may be able to cover up to 90% of the vet bill from any licensed veterinarian, specialist or emergency clinic across the U.S.6

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 though our online portal, email, fax, or mail, and we’ll process your claim within 10 days. Then, if the claim expense is covered under your policy, you’ll receive reimbursement by check or direct deposit or through quick-pay options like Zelle and Apple Pay.

As soon as you get a new pet, it’s a good idea to start protecting them with pet insurance. MetLife pet insurance provides among the shortest wait period for accident and illness coverage7. Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

comprehensive plans you can customize

Pet parents can select accident and illness coverage with the option to add-on preventative wellness care.

Pin Paws Pet Care is budget friendly. Click below to personalize your pet’s insurance plan today.

comprehensive plans you can customize

Pet parents can select accident and illness coverage with the option to add-on preventative wellness care.

Pin Paws Pet Care is budget-friendly. Click below to personalize your pet’s insurance plan today.

Contact Us

(844) 746-7297

Quick Links

Memberships

Help & Support

© 2018 - 2025 Pin Paws, LLC • All Rights Reserved.

1Value added benefits included in all membership levels are not provided by or affiliated with Metropolitan Life Insurance Company.

2For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

3Covered only if related to an illness, injury, or medically necessary

4Grief counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available to NY residents.

5 Covered only if recommended by a vet for illness, injury, or prevention

6Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

7Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors. Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. Based on a March 2023 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor’s policy or coverage, please contact them or their representative directly.

Health Coverage for Your Furriest Family Members

Fetch Your QuoteFetch Your Quote

Contact Us

(844) 746-7297

© 2018 - 2025 Pin Paws, LLC • All Rights Reserved.

1Value added benefits included in all membership levels are not provided by or affiliated with Metropolitan Life Insurance Company.

2For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

3Covered only if related to an illness, injury, or medically necessary

4Grief counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Read More

5 Covered only if recommended by a vet for illness, injury, or prevention

6Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

7Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy compared to a wait time of 2 to 15 days for many competitors; Read More

Our Pin Paws team will be out of office for the Christmas break from December 23rd to December 29th to enjoy some much-needed time with their loved ones, both two- and four-legged. We’ll be back and ready to assist you on December 30th. If you need immediate assistance or have found a lost pet, please call our 24/7 hotline at 844-746-7297. Thank you for your understanding, and we wish you a wonderful holiday season!

Our Pin Paws team will be out of office for the Christmas break from December 23rd to December 29th to enjoy some much-needed time with their loved ones, both two- and four-legged. We’ll be back and ready to assist you on December 30th. If you need immediate assistance or have found a lost pet, please call our 24/7 hotline at 844-746-7297. Thank you for your understanding, and we wish you a wonderful holiday season!

How Does the Pin Paws Family Plan Work?

The Family plan from Pin Paws Pet Care, backed by MetLife Pet, provides coverage for all your furry family members. You’ll enjoy the advantages of a typical MetLife Pet Insurance plan, but with a single policy and a shared deductible for up to three dogs or cats.

The benefits of the Family Plan are as follows:

  • Enroll up to three pets under one policy
  • Customizable plan options
  • Policies can be a mix of cats and dogs
  • Optional Preventive Care coverage

  • One annual limit shared across all pets in the family plan

  • One annual deductible per policy
  • No per-pet coverage limits

Multiple Pet Discount

Get a discount when you group up to three dogs and cats together on the same plan for easy savings.

Shared Deductible

Add up to three dogs and cats onto the same policy, and hit your deductible faster.

Combine Cats & Dogs

No need to manage multiple plans. Group your cats and dogs into a single plan for simplicity and ease.

Flexible Coverage

A shared annual limit lets you allocate more coverage where needed, while protecting your other pets.

How Pin Paws Pet Care Can Help You Save

Our customizable pet insurance plans can reimburse up to 90% of your vet bills.
Here’s an example of how Pin Paws Pet Care can help a pet parent save.

Skin Allergies

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Growth or Tumor

What You Can Save 6

. .
You Pay
$160 Total Vet Bill
$1,600
Piggy Bank
Pin Paws Pet Care Covers $1,440

Heart Disease

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Diabetes

What You Can Save 6

. .
You Pay
$290 Total Vet Bill
$2,900
Piggy Bank
Pin Paws Pet Care Covers $2,610

Broken Bone

What You Can Save 6

. .
You Pay
$240 Total Vet Bill
$2,400
Piggy Bank
Pin Paws Pet Care Covers $2,160

Severe Trauma

What You Can Save 6

. .
You Pay
$1,000 Total Vet Bill
$10,000
Piggy Bank
Pin Paws Pet Care Covers $9,000

Poisoning

What You Can Save 6

. .
You Pay
$300 Total Vet Bill
$3,000
Piggy Bank
Pin Paws Pet Care Covers $2,700

Cruciate Ligament Tear

What You Can Save 6

. .
You Pay
$500 Total Vet Bill
$5,000
Piggy Bank
Pin Paws Pet Care Covers $4,500

Dental Cleaning

What You Can Save 6

. .
You Pay
$50 Total Vet Bill
$500
Piggy Bank
Pin Paws Pet Care Covers $450

Spay or Neuter

What You Can Save 6

. .
You Pay
$60 Total Vet Bill
$600
Piggy Bank
Pin Paws Pet Care Covers $540

Vaccination

What You Can Save 6

. .
You Pay
$6 Total Vet Bill
$60
Piggy Bank
Pin Paws Pet Care Covers $54

Parasite Prevention

What You Can Save 6

. .
You Pay
$21 Total Vet Bill
$210
Piggy Bank
Pin Paws Pet Care Covers $189

Skin Allergies

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Growth or Tumor

What You Can Save 6

. .
You Pay
$160 Total Vet Bill
$1,600
Piggy Bank
Pin Paws Pet Care Covers $1,440

Heart Disease

What You Can Save 6

. .
You Pay
$250 Total Vet Bill
$2,500
Piggy Bank
Pin Paws Pet Care Covers $2,250

Diabetes

What You Can Save 6

. .
You Pay
$290 Total Vet Bill
$2,900
Piggy Bank
Pin Paws Pet Care Covers $2,610

Broken Bone

What You Can Save 6

. .
You Pay
$240 Total Vet Bill
$2,400
Piggy Bank
Pin Paws Pet Care Covers $2,160

Severe Trauma

What You Can Save 6

. .
You Pay
$1,000 Total Vet Bill
$10,000
Piggy Bank
Pin Paws Pet Care Covers $9,000

Poisoning

What You Can Save 6

. .
You Pay
$300 Total Vet Bill
$3,000
Piggy Bank
Pin Paws Pet Care Covers $2,700

Cruciate Ligament Tear

What You Can Save 6

. .
You Pay
$500 Total Vet Bill
$5,000
Piggy Bank
Pin Paws Pet Care Covers $4,500

Dental Cleaning

What You Can Save 6

. .
You Pay
$50 Total Vet Bill
$500
Piggy Bank
Pin Paws Pet Care Covers $450

Spay or Neuter

What You Can Save 6

. .
You Pay
$60 Total Vet Bill
$600
Piggy Bank
Pin Paws Pet Care Covers $540

Vaccination

What You Can Save 6

. .
You Pay
$6 Total Vet Bill
$60
Piggy Bank
Pin Paws Pet Care Covers $54

Parasite Prevention

What You Can Save 6

. .
You Pay
$21 Total Vet Bill
$210
Piggy Bank
Pin Paws Pet Care Covers $189

Cost info sourced from How Much Does a Vet Visit Cost? and Average emergency vet costs what to expect.

What’s Not Covered Under Pin Paws Pet Care?

To help make insurance premiums affordable for all pet parents, there are some exclusions- as with every pet insurance company. The following are not covered under any Pin Paws Pet Care policy:

  • Pre-existing conditions*
  • Microchipping
  • Breeding or conditions related to breeding
  • Obedience training
  • Grooming costs and routine nail trims
  • Non-prescription food
  • Organ transplant

  • Illness or injury that arises out of racing, coursing, commercial guarding, law enforcement, or organized fighting of your pet

  • Health/travel certificates
  • Elective surgeries

  • Cosmetic or aesthetic procedures

*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.

What’s Not Covered Under Pin Paws Pet Care?

To help make insurance premiums affordable for all pet parents, there are some exclusions- as with every pet insurance company. The following are not covered under any Pin Paws Pet Care policy:

  • Pre-existing conditions*
  • Microchipping
  • Breeding or conditions related to breeding
  • Obedience training
  • Grooming costs and routine nail trims
  • Non-prescription food
  • Organ transplant

  • Illness or injury that arises out of racing, coursing, commercial guarding, law enforcement, or organized fighting of your pet

  • Health/travel certificates
  • Elective surgeries

  • Cosmetic or aesthetic procedures

*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.

Find a Lost Pet?

Please enter the pet tag ID number below:

Find a Lost Pet?

Please enter the pet tag ID number below:

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