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Some pet insurance companies will put a clause in the general requirements section of their policy requiring you to administer and pay for all annual wellness and preventative care advised by your veterinarian, including dental examinations, teeth cleanings, flea/tick/heartworm preventative medications, vaccines, etc.
How Does This Affect you?
Routinely recommended preventative efforts such as vaccines, preventative medications, and teeth cleanings can be expensive. If you cannot show proof, or if your veterinary records show you didn’t provide the advised vaccinations, preventatives, cleanings or treatments, some pet insurance companies can deny your claims or cancel your coverage.
Where Does MetLife Pet Insurance1 Stand?
Proper preventative and wellness care is important and pivotal to the health of your pet, and we encourage all pet owners to heed the advice their veterinarians provide in regards to this. We do not require pet parents to administer and treat their pets with all preventative care recommendations from their veterinarian in order to have coverage for your pet.
Nothing in this article should be construed as financial, legal or veterinary advice. Please consult your own advisors for questions relating to your and your pet’s specific circumstances.
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. 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.