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Pet insurance can be a valuable way to help you protect your finances from unexpected or costly vet bills. In general, there are mainly two different types of pet insurance plans: comprehensive coverage and accident-only coverage.
Comprehensive pet plans typically help cover accidents and illnesses, while accident-only pet plans are limited to injuries caused by accidents. Below, we’ll take a closer look at how they both work and what MetLife Pet offers.
Comprehensive (accident and illness) pet insurance offers some of the most thorough coverage you can get with a pet insurance plan. This type of full-coverage pet insurance generally covers new injuries and illnesses your pet may experience.
MetLife Pet offers an accident and illness policy you can customize to fit your needs.
A comprehensive pet insurance policy usually provides coverage for expenses related to issues like heart disease, upset stomachs, infections, fractures, wounds, foreign body removal, hip dysplasia, cancer, and more. However, there are also notable exclusions.
This table outlines what’s commonly covered and excluded with MetLife Pet Insurance.
Commonly Covered |
Commonly Excluded |
Surgeries, emergency care, and hospitalization |
Elective or cosmetic surgeries and procedures |
Diagnostic tests (like blood work, X-rays, and more) |
Breeding |
Exam fees |
Obedience training and grooming |
Prescriptions |
Injuries caused by commercial guarding, illegal fighting, coursing, or racing |
Treatments |
Pre-existing conditions |
Not covering pre-existing conditions is fairly standard across the industry, but we offer an exception. If you’re a group policyholder and you switch to MetLife Pet, we can cover your pet’s pre-existing conditions that are currently covered by the other provider.1
Comprehensive pet insurance usually costs more than an accident-only plan because it provides a lot more coverage. MetLife Pet’s accident and illness plan starts at $7 per month for a cat or $16 per month for a dog.2
However, the cost of your pet insurance plan will vary based on factors like your pet’s health, age, breed, and gender, as well as where you live and the level of coverage you choose. Get a quote to see your basic plan options.
Comprehensive plans cover many kinds of expenses, and some providers allow you to customize how much coverage you want. MetLife Pet gives you the option to customize your reimbursement rate, deductible, and annual limit.3,4,5
Accident-only pet insurance offers coverage for just accidents and injuries — illnesses won’t be covered under this type of plan, even if they develop after your policy is active. Sometimes, you may not want a comprehensive coverage policy, or your pet may not be able to get one due to age or health reasons. This plan is a way to still get reimbursed for some of the vet bills you may encounter.
With MetLife Pet, you can enroll your dog or cat in an accident and illness policy no matter their age or health condition6 — but we don’t currently offer an accident-only plan.
Due to coverage being more limited than comprehensive pet plans, accident-only plans typically come with lower premiums. That said, there’s always a chance that an accident-only policy could cost more than an accident and illness policy. Factors like pet age, health, and breed, along with where you live and if you customize your policy, affect the cost.
MetLife Pet offers an optional Preventive Care plan you can add to your accident and illness policy. For an additional cost, you can get coverage for things like:
Add-on plans may come with upgraded options depending on the level of coverage you want or which expenses you want to include. Check with each provider to know which plan works best for you.
Purchasing the right pet insurance policy is instrumental in making sure your budget stays intact and your pet’s needs are covered. While you can’t foresee everything that could happen, choosing a plan that works for you now, with room to grow, can be a good idea.
Comprehensive pet insurance can be a good fit if you want to relieve some of the stress and financial burden that can come with a wide array of pet-health concerns. While there are limitations, these plans typically provide the most coverage — which means you’re more likely to get reimbursed for many different kinds of vet bills.
Accident-only pet insurance might be a good fit if you have a pet who’s generally healthy (like a puppy or kitten), you’re looking for a potentially more cost-effective plan, or if your pet doesn’t qualify for a comprehensive pet plan. While these plans won’t help if your pet gets sick, they could help cover vet bills that come with costly accidents.
MetLife Pet offers an accident and illness policy to help protect dogs and cats of all ages.6 You can get reimbursed up to 90% of covered costs and even add Preventive Care for routine and wellness vet bill reimbursement.3 Got a whole furry family? Enroll them in our unique Family Plan that combines up to three pets on one policy with a shared deductible.6
Avoid having to choose between vet care costs and wanting to get your pet the best care possible. Enroll them with MetLife Pet today by starting with a free quote.
