Whatis PreExisting Condition

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A pre-existing condition is any injury, illness, or symptom noticed by you or your veterinarian before your waiting period has ended, even if your pet never went to see the veterinarian for it. Unfortunately, no pet insurance company covers pre-existing conditions.

How do you determine what will be considered pre-existing?

At MetLife Pet Insurance1 identifying a pre-existing condition is simple. If it's an accident or illness and the symptoms weren't present before your enrollment or during the waiting periods, the condition is eligible for coverage with us. However, if the condition or symptom began before your pet insurance plan was effective, it will be considered pre-existing and not eligible for reimbursement.

Curable vs. Incurable pre-existing conditions

MetLife Pet Insurance1 distinguishes between curable and incurable pre-existing conditions, which benefits your pet. Incurable pre-existing conditions typically require lifelong care, and will not be eligible for coverage if your pet is already experiencing symptoms or has been diagnosed prior to the effective date of their pet insurance policy.

Examples of incurable pre-existing conditions:

  • Diabetes
  • Allergies
  • Cancer
  • Heart Disease
  • Arthritis

Examples of curable pre-existing conditions:

  • Ear Infections
  • Upper Respiratory Infections
  • Vomiting
  • Diarrhea
  • UTIs

Curable pre-existing conditions are issues that can be completely resolved. These type of pre-existing conditions are eligible for coverage once they have been completely resolved and free from symptoms for a period of time.

Need more info?
Check out our most frequently asked questions about pre-existing conditions.

What are you looking for?

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

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  • I have an existing plan and want to file a claim

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. 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. 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 MetLife Pet Insurance 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.