Coverage and Exclusions
MetLifeInsurance Plans1offer
Should your pet ever get sick or have a serious accident, MetLife's comprehensive pet insurance plans are here for you. We strive to make the best pet insurance plans available for dogs and cats of all ages and breeds, providing them access to the best medical coverage and veterinary care options.
Take your dog to the vet
Visit any licensed vet, emergency clinic or specialist in the U.S. There's no network of providers to worry about.
Send us your claim
Pay your bill at the vet, and send us your claim along with vet records and invoice from the visit.
Get money back quickly
MetLife will follow-up with your vet for any missing info. Most claims are processed in less than 2 weeks.2
DID YOU KNOW?
See the breakdown.
Coverage overview
In order for premiums to be affordable for all pet parents, unfortunately, there are some limitations and exclusions, as with any insurance company. With MetLife Pet Insurance1, we want you to know exactly what those exclusions are so there are no surprises when it comes time to process your claim. MetLife Pet Insurance1 works hard to provide top-rated insurance coverage, while keeping limitations and exclusions on that coverage to a minimum. Competitors 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.
What’s Covered?4
MetLife Pet Insurance1 plans provide great cat or dog health insurance coverage2 with no per-incident or lifetime limits on the following:
- Accidents
- Illnesses (including hereditary, congenital & chronic conditions)
- Hospitalizations
- Surgeries
- Diagnostic Tests
- Exam Fees
- X-Rays
- Ultrasounds
- Medications
- Holistic Care & Alternative Therapies
- Emergency Care
- And much more!
After a short 6-month wait period, your pet can also enjoy coverage for the following:
- Intervertebral Disc Disease (IVDD)
- Anterior Cruciate Ligaments
- Medical Cruciate
- Posterior CruciateLigaments
- Cranial Cruciate Ligaments
- Accidents
- Illnesses (including hereditary, congenital & chronic conditions)
- Hospitalizations
- Surgeries
- Diagnostic Tests
- Exam Fees
- Intervertebral Disc Disease (IVDD)5
- Cruciate Ligaments5
- Anterior Cruciate Ligament (ACL)5
- X-rays
- Ultrasounds
- Medications
- Holistic Care & Alternative Therapies
- Emergency Care
- Medial Cruciate Ligament (MCL)5
- Posterior Cruciate Ligament (PCL)5
- Cranial Cruciate Ligament (CCL)5
- Routine wellness & preventive care6
- And Much More!
What's Not Covered4
- Elective Procedures
- Expression or removal of anal glands or anal sacculitis
- Breeding or conditions related to breeding
- Pet food, special diet, vitamins, mineral supplements
- Grooming costs and bathing (incl. medicated baths)
- Parasite prevention and parasite treatment
- Illness or injury which arises out of racing, coursing, commercial guarding, or organized fighting of your pet
- Organ Transplants