Call Us: (844) 746-7297

Prioritize Your Pet’s Health,
Not Financial Stress

  • Comprehensive accident & illness coverage

  • Preventative care available
  • No breed or age restrictions

  • Watch Video

Prioritize Your Pet’s Health,
Not Financial Stress

  • Comprehensive accident & Illness coverage
  • Preventative care available
  • No breed or age restrictions
Fetch Your Quote

  • Watch Video

Coverage2024-08-05T17:44:54+00:00

COVERAGE & EXCLUSIONS

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 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 bet)
  • 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

View Sample Policy

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Download Policy

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.

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 8

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

Growth or Tumor

What You Can Save 8

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

Heart Disease

What You Can Save 8

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

Diabetes

What You Can Save 8

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

Broken Bone

What You Can Save 8

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

Severe Trauma

What You Can Save 8

. .
You Pay
$1000 Total Vet Bill
$10,000
Piggy Bank
Pin Paws Pet Care Covers $9,000

Poisoning

What You Can Save 8

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

Cruciate Ligament Tear

What You Can Save 8

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

Dental Cleaning

What You Can Save 8

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

Spay or Neuter

What You Can Save 8

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

Vaccination

What You Can Save 8

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

Parasite Prevention

What You Can Save 8

. .
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.

PRE – EXISTING CONDITIONS

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 PLAN TO FIT YOUR BUDGET

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01

Annual benefit

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02

Reimbursement rate

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03

Deductible

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FAQ’s

A Little Bit Detail About Info Like A Subtitle Of The Info

The basic plan cost depends on the features you want to choose so it depends Thanks

The basic plan cost depends on the features you want to choose so it depends Thanks

The basic plan cost depends on the features you want to choose so it depends Thanks

Contact Us

(844) 746-7297

Quick Links

Memberships

Help & Support

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

1For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

2Covered only if related to an illness, injury, or medically necessary

3Grief 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.

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

5Reimbursement 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.

6Accident 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.

1For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

2Covered only if related to an illness, injury, or medically necessary

3Grief counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Read More

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

5Reimbursement 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.

6Accident 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.

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