Coverage & Exclusions

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Coverage and Exclusions

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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.

Pet Insurance — How it Works

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
  • 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

What are you looking for?

Independent Coverage

Resources if you are purchasing a pet plan on your own.

Coverage through Employer

Resources for individual policyholders, employees, and members who receive coverage through their employer.

  • I want to get a quote and find out how much a policy may cost
  • I have an existing plan and want to file a claim
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1 Pet 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 (“MGIC”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MGIC’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MGIC 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.

2 80% of claims are processed within 10 days or less.

3 Access to Veterinary Care Coalition “Access to Veterinary Care”, 2018. 

4 Provided 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.

5 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

6 Can be purchased at an additional cost.