What Does Pet Insurance Cover? Here’s a Breakdown

Three Minutes Jul 01, 2022

At MetLife1, our comprehensive pet insurance policies are designed to help you keep your furry family healthy and happy. That means covering the little things, like exam fees, as well as the big ones, like emergency care.2 MetLife pet insurance also makes it easy to customize your plan, so you can rest easy knowing your pet has the coverage they need!

Pet Insurance: What’s Covered

MetLife pet insurance plans are designed to give you peace of mind when it comes to your cat or dog’s health. That means the most comprehensive coverage in the industry.3 Here’s some of the coverage you can get with a policy from MetLife:


Accident coverage can help pay the bills when your pet gets hurt. This could mean a broken bone, torn ligaments, or eating something that they shouldn’t have. Accident coverage also includes the cost of related services, like surgery, x-rays, ultrasound, hospitalization, and emergency care. That way, if your pet does get in trouble, you won’t have to stress as much about the bills.


With illness coverage, MetLife will help cover the cost should your pet come down sick. This includes hereditary, chronic, and congenital conditions. Illness coverage can also include reimbursement for the medications your pet needs on their road to recovery.  

Optional Preventive Care coverage

Not all pet insurance companies offer coverage for preventive care like routine checkups. But at MetLife, we understand that prevention is key to a happy, healthy life. That’s why we offer Preventive Care as an optional add-on for your pet insurance policy.4 By customizing your plan, you can take steps to keep your pet healthy before illness or injury without the added worry of extra vet bills.

Prescription medicine

Vets will often prescribe medication to help your pet recover from an injury or illness, or to manage chronic conditions. With a pet insurance policy, you can offset the cost and only pay your deductible. MetLife will cover the rest!

Prescription food

Sometimes, taking care of your pet’s health means carefully controlling what they eat. For conditions like diabetes or kidney disease, your vet might prescribe specially formulated food to meet your dog or cat’s needs. Prescription foods often cost more than what you’d normally buy at the pet store. Fortunately, a MetLife pet insurance plan can mitigate the hit on your wallet and keep your pet eating good.

Alternative therapy

When it comes to caring for your pet, there are more options available than ever before. With a plan from MetLife, you can be reimbursed for alternative approaches to recovery, like acupuncture and hydrotherapy. It’s just one of the ways MetLife goes the extra mile to support your pet’s health!

Pet Insurance: What Isn’t Covered

MetLife works hard to keep our exclusions at a minimum. When considering a plan, make sure you review what is and isn’t included so that you can be certain it’s the right insurance policy for you and your pets. Here are some of the conditions and care that aren’t included:

Cosmetic procedures

Elective surgery, like declawing, tail docking, or ear cropping, is excluded because it doesn’t impact your pet’s health. Similarly, grooming for your pet is also excluded.


MetLife plans do not include the costs that come with breeding or pet pregnancy.

Sport or fighting-related injuries

Pet insurance from MetLife will not cover injuries caused by racing, coursing, commercial guarding, or illegal fighting.

Pre-existing conditions

Conditions that affect your pet prior to your policy effective date (regardless of medical notation, diagnosis, or treatment), or any waiting period, are not covered by MetLife pet insurance. However, MetLife does cover pre-existing conditions that were covered by a previous insurer.

Types of Pet Insurance Coverage

It’s important to note that not all of these services and conditions will be covered by every policy. Pet insurance plans come in two main types. With Comprehensive coverage, your pet will be insured for both injury and illness. Accident-only insurance is more limited, focusing mainly on injuries and accidents. The trade-off, typically, is lower premiums. Keep in mind that, regardless of the plan you choose, you can also customize it with add-ons like Preventive Care and dental. Regardless of the plan you choose, MetLife makes it easy to get started with no required exams or vaccinations to sign up, and no breed restrictions.

So, how do you choose the right pet insurance policy? You can begin by reviewing your pet’s needs, as well as your budget, to see if pet insurance is a worthy investment. The next step after that would be to get a free quote for your dog or cat. Still have questions? Be sure to check out our FAQs for even more answers!  

Protect your Dog

Coverage in 3 Easy Steps

1Pet 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.

2Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3Based on a January 2021 review of publicly available summary information about competitor's offerings. Competitor's did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

4Can be purchased at an additional cost.