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.
What’s Covered?4
- Accidents
- Illnesses (including hereditary, congenital & chronic conditions)
- Hospitalizations
- Surgeries
- Diagnostic Tests
- Exam Fees
- Cruciate Ligaments6
- Anterior Cruciate Ligament (ACL)6
- Medial Cruciate Ligament (MCL)6
- X-rays
- Ultrasounds
- Medications
- Holistic Care & Alternative Therapies
- Emergency Care
- Optional Preventive Care coverage (available at an additional cost)5
- Pet food, special diet7
- Parasite prevention and parasite treatment (available with optional Preventive Care coverage)5
- Intervertebral Disc Disease (IVDD)6
- Posterior Cruciate Ligament (PCL)6
- Cranial Cruciate Ligament (CCL)6
- And Much More!
What's Not Covered4
- Elective Procedures
- Expression or removal of anal glands or anal sacculitis
- Breeding or conditions related to breeding
- Vitamins, mineral supplements
- Grooming costs and bathing (incl. medicated baths)
- Illness or injury which arises out of racing, coursing, commercial guarding, or organized fighting of your pet
- Organ Transplants
Pre-existing conditions may not be covered
Pre-existing conditions include conditions, illnesses, injuries or symptoms that manifested prior to the coverage date and/or any applicable waiting period. Please see the policy for complete details.