Coverage and Exclusions

Or call 855-270-7387

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)


  • Surgeries

  • Routine complications

  • Endodontics (root canal) and orthodontics (braces)

  • Removal of deciduous teeth3


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.)


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


What You Can Save 6

You Pay


MetLife Pet Covers


Total Vet Bill


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.

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.

**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

4 Grief 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

Examples 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 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

11 Your 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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