COVERAGE

Coverage and Exclusions

MetLife Pet Insurance can help you cover costs related to new injuries and illnesses over the life of your pet. Our optional Preventive Care plan can be added to your standard coverage for reimbursements on routine and wellness care.

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or call 855-270-7387

What’s Covered Under a Standard Plan?

MetLife Pet's standard plan can help you cover accidents and illnesses that first occur during your coverage term. We strive to offer comprehensive coverage with minimal 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)
Foreign body ingestion
Poisoning/toxicity
Bites, wounds, and lacerations
Broken bones and trauma

Illnesses and Conditions

Hereditary, congenital, and chronic conditions
Periodontal disease
Infections and digestive upsets
Diabetes, arthritis, and cancer
Pregnancy¹ (for mother only)
Heart, kidney, liver, thyroid disease, etc.

Procedures

Surgeries
Routine complications
Endodontics (root canal) and orthodontics (braces)
Removal of deciduous teeth¹

Diagnostics

Diagnostic tests
Blood work
X-Rays
Ultrasounds
MRIs
Urinalysis
Exam fees

Prescriptions and Treatment

Vet-prescribed pet foods
Medications, including allergy and anxiety
Anal gland expression
Preventative treatment¹
Medicated baths¹
Treatment of heartworm, parasites, and Lyme disease
Outpatient treatments

Supportive Care

Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)
Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)
Boarding fees (while you’re hospitalized)
Burial and/or cremation (including grief counseling²)