Exploring Pet Insurance: Are Exam Fees Covered?

3 min read
Jan 23, 2024

An exam fee is what a veterinarian charges for the appointment or the physical examination of a pet. These costs can vary by region, and — just like human health care — a specialist exam fee and emergency vet fee are often more expensive. Even the fees for a pet annual exam can add up over time. If you’re looking for comprehensive pet insurance that covers exam fees, MetLife Pet Insurance could be the plan for you! Keep reading to learn more about veterinary exam costs and how much you could save with pet insurance.

How Much Is a Pet Exam?

Every pet is going to need to visit the vet eventually. So what should you expect when it comes to the bill?

The cost of a pet exam can vary depending on several factors, including your pet’s species and age, as well as the purpose of the visit. If it’s your pet’s first visit to the vet, they’ll likely need a number of vaccinations and tests to establish a baseline for their medical history. This can range from $340 to over $500.1

The cost of a pet’s annual exam may be cheaper than the first visit, somewhere between $70 and $110.1 Additional annual costs, such as dental cleanings and wellness visits, can increase the amount you spend each year by nearly $1,000 or more.1 That can be a hefty annual vet bill.


MetLife Pet Insurance Can Help Cover Exam Fees

Find Out More

Where Can I Find Pet Insurance That Covers Exam Fees?

Fortunately, help is easy to find. With a dog insurance or cat insurance policy from MetLife Pet, you could get reimbursed for up to 90% of the cost of both annual and emergency exams.2 And with our optional preventative care add-on, you can get coverage for those annual expenses that help keep your pet happy and healthy, including:

Here are just a few examples of how much real MetLife Pet members saved on routine care for their beloved pets:4

  • Over $1,1600 reimbursed for the cost of spaying Sylvie the cat in California
  • More than $1,500 for dachshund Mikey’s dental cleaning
  • Nearly $3,000 for mixed pup Mars’s behavioral training

With pet insurance, you don’t need to let sticker shock get in the way of your fur baby’s health. Learn more about whether a pet insurance plan is worth it for you, or get started with a free quote today!

Ready To Insure Your Pet? Start Your Free Quote


**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

1“Cost of Owning a Dog: From Initial Cost to Annual Essentials,” The Dog People, 2023

2 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.

3 Covered only if recommended by a vet for illness, injury, or prevention

4 All claims paid amounts are based on MetLife internal claims data from October 2022. Story altered for illustrative purposes.

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).

Disclosure for Maine Residents

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