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. 

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.

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 (“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.

2 Approximately 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 Can be purchased at an additional cost.

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

7 Included in MetGen underwritten policies only.