MetLife Pet Insurance says first responders “could also be eligible” for 10% off their premium, and it’s careful not to promise more than that. The discount sits under a heading that also covers military and veterans, it can require proof, and the company’s own pages disagree about which states it excludes.
MetLife Pet is an insurance product, not a store, so the savings arrive as a lower monthly premium on a policy you buy. The FAQ says you pay the vet bill first and then submit a claim for reimbursement, which is worth knowing if your schedule makes a surprise vet visit hard to plan around.
How To Get The MetLife Pet Insurance First Responder Discount
- Start on MetLife’s discounts page with the button below, or call (855) 620-9309 to reach a pet advocate. The page says the advocates can tell you whether you’re eligible for any MetLife Pet discounts.
- Ask about the first responder discount for your state before you quote. The pages disagree on exclusions (see below), so get the answer for your zip code.
- Get a quote online. The first screen of MetLife’s quote form asks about your pet. We didn’t see a place on it to name a first responder discount, so raise it with the advocate or look for the question further along the form.
- Be ready to prove your job. The page says you may need to provide proof of your eligibility, and it doesn’t say what that proof is.
- Check that the premium on your quote reflects the discount before you enroll.
Who Qualifies, In The Company’s Words
The sentence is short: if you’re a first responder, you could also be eligible for a 10% discount on your premium. It doesn’t name police, fire, EMS, dispatchers or any other job, and it doesn’t mention family. The military version on the same page says “you and your family could qualify,” and the first responder line doesn’t repeat that.
The word “could” matters. MetLife doesn’t say every first responder gets the 10%. The page’s footnote only says you must be eligible for the discount.
Which States Are Left Out
MetLife’s pages give three different answers. The discounts page footnote says the discount isn’t available in NY or TN. The FAQ footnote says it isn’t available in NY. The quote form’s footnote says the Affinity Group and Non-Employer discount isn’t available in MN or TN, and adds that each discount may not be available in all states. We can’t tell which of those applies to the first responder discount, so if you live in any of those states, ask the advocate before you plan around it.
What The Page Says About Terms
The page says combined discounts can’t exceed 30%. It also lists a 10% discount for healthcare workers and a deductible discount, where $50 comes off your deductible for the next policy year for every policy year without a claim reimbursement. Neither page says whether the first responder discount is for new customers only, applies on renewal, or changes with sale prices or holiday dates, so confirm renewal terms in writing when you enroll.
Q&A
Q: How much can a first responder save with MetLife Pet?
A: The page says you could be eligible for 10% off your premium. It isn’t guaranteed.
Q: Does MetLife name which first responders qualify?
A: No. The page says “first responder” and nothing more specific.
Q: Will I need proof?
A: The page says you may need to provide proof of your eligibility. It doesn’t say what counts.
Q: Is it available in my state?
A: The pages exclude NY, TN or MN depending on which footnote you read. Ask before you enroll.
Q: Can I stack it with other MetLife discounts?
A: The page says you can combine discounts, up to a combined 30%.
Q: Need pet supplies too?
A: Our Petco page covers a pet retailer.
More Information:
MetLife can change its discounts and state exclusions, so confirm them when you quote. For more savings for your animals, browse our pet discounts.
