MetLife Pet's standard plan can cover accidents and illnesses that first occur during the MetLife Pet coverage term. We strive to offer comprehensive coverage with some exclusions. We want you to have an understanding of what is and isn’t covered, to lessen surprises when it comes time to process your claim.
Expand allIllnesses and Conditions
Illnesses and Conditions
Prescriptions and Treatment
Prescriptions and Treatment
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 care. 1 Here’s a list of what can typically be covered with this optional benefit:
What’s Not Covered Under MetLife Pet Insurance?
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 MetLife Pet policy:
What You Can Save 6
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More resources on skin allergies:
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More resources on growths and tumors:
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More resources on heart disease:
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More resources on diabetes:
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More resources on broken bones:
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More resources on severe trauma:
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More resources on poisoning:
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More resources on Cruciate Ligament Tear:
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More resources on dental cleaning:
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More resources on spaying or neutering:
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More resources on vaccinations:
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More resources on parasite prevention:
What You Can Save 6
MetLife Pet Covers
More resources on skin allergies:
What You Can Save 6
MetLife Pet Covers
More resources on growths and tumors:
What You Can Save 6
MetLife Pet Covers
More resources on heart disease:
What You Can Save 6
MetLife Pet Covers
More resources on diabetes:
What You Can Save 6
MetLife Pet Covers
More resources on broken bones:
What You Can Save 6
MetLife Pet Covers
More resources on severe trauma:
What You Can Save 6
MetLife Pet Covers
More resources on poisoning:
What You Can Save 6
MetLife Pet Covers
More resources on Cruciate Ligament Tear:
What You Can Save 6
MetLife Pet Covers
More resources on dental cleaning:
What You Can Save 6
MetLife Pet Covers
More resources on spaying or neutering:
What You Can Save 6
MetLife Pet Covers
More resources on vaccinations:
What You Can Save 6
MetLife Pet Covers
More resources on parasite prevention:
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. Learn more about pre-existing conditions and reference your policy for full details.
How To Create A Plan To Fit Your BudgetGet a quote in a few simple steps, then customize your plan by adjusting how much you want to be reimbursed or your deductible amount. For more customization options, contact us at 1-866-937-7387.
The maximum dollar amount you can be reimbursed per policy year. Select a lower limit for a typically lower monthly premium.
The percentage of your vet bill reimbursed by MetLife Pet. Go for a higher rate if you want more cash back on covered, approved claims. Note that the premium may increase if you select a higher reimbursement rate.
The amount of money you must pay before MetLife Pet will pay a claim. Choose a high deductible for a typically lower monthly premium.
It's no secret that caring for your pet can be expensive, with some studies putting yearly health-related pet costs around $400 — $1,200. 9 One way to help offset these costs is by purchasing a policy from award-winning 10 MetLife Pet. See if it’s right for you and your pet by getting a personalized quote today.
Reimbursements up to 90% on covered expenses 7 No breed restrictions or upper-age limits Deductible savings with our healthy pet incentive 11**As with any insurance policy, coverage may vary.
1 For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit
2 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.
3 Covered only if related to an illness, injury, or medically necessary
4 Grief 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
6 Examples are for illustrative purposes only. Please note that these examples do not include or account for any premium expense required to pay the pet policy. Actual premium rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. Examples are based on covered expenses on a policy with a 90% reimbursement after meeting a $250 deductible. The pet policy issued by MetGen is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.
7 Reimbursement 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.
8 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
9 2022 “Lifetime of care study,” Synchrony, last accessed September 28, 2023
10 “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
11 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.
Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).
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