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Pet insurance plans typically cover surgeries for your dog or cat if they get hurt or sick — including MetLife Pet. But what’s covered specifically depends on the type of policy you have. Since high-cost surgeries could throw a wrench in your financial plans, learn more about what kinds of surgeries and related expenses may be included in your pet insurance coverage.
With MetLife Pet’s standard pet insurance policy, you can get coverage for surgeries your pet needs that are related to new accidents and illnesses. This includes surgeries performed by vet specialists. As long as the condition doesn’t fall under any exclusions in your policy, you could be reimbursed up to 90% of covered costs.1
Generally, coverage for vet surgeries depends on the type of policy you have. In general, you can purchase an accident-only policy, or a comprehensive coverage policy that covers both accidents and illnesses. Let’s take a look at which surgeries are typically eligible for coverage between the two.
Accident-only policy: With this kind of policy, your pet’s surgery must be related to an accident or injury to qualify for coverage. Surgeries related to illnesses won’t be covered. This isn’t a policy MetLife Pet offers.
Comprehensive coverage policy: With a policy that covers accidents and illnesses, surgeries related to accidents, injuries, health conditions, and other illnesses are typically included in your coverage.
MetLife Pet offers coverage for pet surgeries related to accidents and illnesses — even some that are hereditary, chronic, or congenital (present at birth). These can include:
If you’re unsure whether a specific surgery might be covered by a MetLife Pet policy, give us a call at (877) 653-5585 to discuss coverage and customization options.
Through our standard policy, MetLife Pet can typically help you cover the cost of the surgery, as well as associated expenses, like:
Check out our coverage and exclusions page, or your specific policy, for more details on your exact coverage.
Yes, our pet insurance typically includes coverage for anesthesia if it’s related to a surgery that’s covered under your policy. A lot goes into making sure the correct dosage is used for your pet’s specific needs, which can make the cost of anesthesia pricey.
But ensuring your dog or cat is pain-free and calm during a surgical procedure is crucial. Pet insurance anesthesia coverage could help you relieve some of that stress for you and your pet.
Many pet insurance providers, including MetLife Pet, don’t cover surgeries related to pre-existing conditions, breeding, and cosmetic or elective procedures. However, if your pet has a health condition that’s already covered by another provider, and you switch to a MetLife Pet policy through your employer, you could still get coverage for surgeries that the condition may require now.2
Since spay or neuter surgery or routine teeth cleanings are generally elective surgical procedures, they won’t be covered by an insurance policy. But an optional wellness plan — like MetLife Pet’s Preventive Care add-on — could help you provide this type of coverage for either of these procedures up to your selected limit.
Pet surgeries are part of your standard MetLife Pet coverage — eligible expenses can be reimbursed after you visit the vet, pay your bill, and submit a claim. Depending on your policy, different factors can affect whether the surgery is eligible for reimbursement.
Your specific policy likely has customizations that dictate when and how much you could be reimbursed for eligible expenses.1 These include your:
You can customize your MetLife Pet plan’s deductible, reimbursement rate, and annual limit so they work for your pet’s needs and your budget.1,3,4
Pet surgeries that happen during your waiting periods are excluded from coverage. Even if your pet is diagnosed with an injury or illness during applicable waiting periods, but the surgery happens later on, that surgery may also be excluded from coverage.
With MetLife Pet’s plan, accidents have a 0-day waiting period and illnesses have a 14-day waiting period.5
Yes, you can get pet insurance before your pet has a surgical procedure. When it comes to getting reimbursed for it, you just need to make sure the surgery doesn’t fall into your policy’s exclusions.1
For example, if your vet diagnoses your pet with a health condition that needs surgery and then you enroll them in a policy to help you cover it, the condition would likely be considered pre-existing. Therefore, the surgery to treat this condition would be excluded from coverage.
To increase the chance that your pet’s surgery falls under your plan’s coverage, it can be a good idea to get pet insurance while your pet is young and healthy. Take advantage of our 0-day waiting period, so accidents needing surgery could be eligible for reimbursement starting at midnight after you enroll in a policy.1,5
If your dog or cat needs surgery, MetLife Pet is here to help you get your furry family member back in good health! With reimbursements up to 90% on covered surgical expenses and a free 24/7 vet chat6 to help when you have questions day or night, a MetLife Pet policy can be a useful purchase for your pets.1
Just like it was for 10-year-old Ophie’s family, when she tore her ACL and needed emergency surgery — MetLife Pet covered nearly $6,300 of the $6,900 vet bill thanks to her dog insurance policy.7
Explore your customization options by getting a free, personalized quote today.
