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Coverage & Exclusions

COVERAGE

Coverage and Exclusions

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What’s Covered Under A Standard Plan?

MetLife Pet's standard plan can cover accidents and illnesses that first occur during the MetLife Pet coverage term. We strive to offer comprehensive coverage with some exclusions. We want you to have an understanding of what is and isn’t covered, to lessen surprises when it comes time to process your claim.

Accidents and Injuries

Hospitalizations and emergency care
Cruciate ligaments, including anterior (ACL), medial (MCL), cranial (CCL), and posterior (PCL)²
Foreign body ingestion

Illnesses and Conditions

Hereditary, congenital, and chronic conditions
Periodontal disease
Intervertebral disc disease (IVDD)²
Anal gland sacculitis, abscess, or cancer
Pregnancy³ (for mother only)
Burial and/or cremation (including grief counseling⁴)

Procedures

Surgeries
Routine complications
Endodontics (root canal) and orthodontics (braces)
Removal of deciduous teeth³

Diagnostics

Diagnostic tests
X-rays
Ultrasounds
Exam fees

Prescriptions and Treatment

Prescription pet foods
Medications, including allergy and anxiety
Anal gland expression³
Preventative treatment³
Medicated baths
Treatment of heartworm, parasites, and Lyme disease
Cancer treatment

Holistics/Alternative Therapies

Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)
Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)

ADD-ON

What’s Covered Under the
Preventative Care Add-On?

The optional preventative care plan enhances the standard injury and illness policy with extra wellness coverage for regular care.¹ Here’s a list of what can typically be covered with this optional benefit:

Parasites, heartworm, and Lyme prevention
Vaccines
Teeth cleaning
Supplements and vitamins⁵
Nail trim³
Genetic testing⁵ (only if purchased through a vet)
Dew claw removal⁵
Radiograph screenings⁵
Tail docking⁵
EKG⁵
Spay/neuter
Behavior training (if recommended by a vet for anxiety or aggression)
Gastropexy⁵
Anal gland expression⁵

Not covered

What’s Not Covered Under
MetLife Pet Insurance?

To help make insurance premiums affordable for all pet parents, there are some exclusions — as with every pet insurance company. The following are not covered under any MetLife Pet policy:

Microchipping
Breeding or conditions related to breeding
Obedience training
Grooming costs and routine nail trims
Non-prescription food
Organ transplants
Illness or injury that arises out of racing, coursing, commercial guarding, law enforcement, or organized fighting of your pet
Health/travel certificates
Elective surgeries
Cosmetic or aesthetic procedures

Unleash Savings With MetLife Pet Insurance

Skin Allergies
Growth or Tumor
Heart Disease
Diabetes

SKIN ALLERGIES

You Pay

^$250

MetLife Pet Covers

^$2,250

Total Vet Bill

^$2,500

More resources on skin allergies:

SKIN ALLERGIES

You Pay

^$250

MetLife Pet Covers

^$2,250

Total Vet Bill

^$2,500

More resources on skin allergies:

Cost info sourced from How Much Does a Vet Visit Cost? and Average emergency vet costs: what to expect.

Protect Your Pet Now

Pre-existing conditions may not be covered

Pet insurance companies typically don’t fully cover pre-existing conditions, which are generally illnesses, injuries, or symptoms that occurred prior to the coverage date and/or any applicable waiting period. However, MetLife Pet may actually cover certain pre-existing conditions when switching providers. These include conditions that were covered by a previous insurance provider for group policyholders. Learn more about pre-existing conditions and reference your policy for full details.

How To Create A Plan To Fit Your Budget

Get a quote in a few simple steps, then customize your plan by adjusting how much you want to be reimbursed or your deductible amount. For more customization options, contact us at 1-866-937-7387.

Annual benefit

The maximum dollar amount you can be reimbursed per policy year. Select a lower limit for a typically lower monthly premium.

Reimbursement rate⁷

The percentage of your vet bill reimbursed by MetLife Pet. Go for a higher rate if you want more cash back on covered, approved claims. Note that the premium may increase if you select a higher reimbursement rate.

Deductible⁸

The amount of money you must pay before MetLife Pet will pay a claim. Choose a high deductible for a typically lower monthly premium.

Get Covered

It's no secret that caring for your pet can be expensive, with some studies putting yearly health-related pet costs around $400 — $1,200.⁹ One way to help offset these costs is by purchasing a policy from award-winning¹⁰ MetLife Pet. See if it’s right for you and your pet by getting a personalized quote today.

Fetch a Quote

What are you looking for?

**As with any insurance policy, coverage may vary.

¹ For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit

² For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.

³ Covered only if related to an illness, injury, or medically necessary

⁴Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available to NY residents.

⁵ Covered only if recommended by a vet for illness, injury, or prevention

⁶Examples are for illustrative purposes only. Please note that these examples do not include or account for any premium expense required to pay the pet policy. Actual premium rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. Examples are based on covered expenses on a policy with a 90% reimbursement after meeting a $250 deductible. The pet policy issued by MetGen is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

7 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.

8 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

⁹ 2022 “Lifetime of care study,” Synchrony, last accessed September 28, 2023

¹⁰“2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

¹¹Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

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).

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Virtual veterinary services are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken through Askvet.