Preventive Care
or call 855-270-7387
You can get pet insurance that covers routine care when you add our optional Preventive Care plan add-on to your MetLife Pet standard policy. Be proactive about your pet’s health with coverage for a variety of routine wellness expenses — from parasite prevention to spaying and neutering — so you can keep your pet and wallet happy!
What Does the Preventive Care Plan Add-On Cover?
Our optional Preventive Care plan offers coverage for many routine wellness expenses that can help maintain your pet’s health. We have two main plan options — Preventive 365 and Preventive 575. Depending on the plan you choose, you could be reimbursed for the following expenses up to their respective annual limits:
Preventive 365
This plan provides coverage for the following benefits, up to the yearly reimbursement limits listed.
-
Vet Exam
$50 -
Parasite Prevention and Vaccinations
$75 -
Spay/Neuter or Teeth Cleaning
$100 -
Health Screens
$65 -
Microchipping, Health Certificate, or Behavior Training
$60 -
Deworming
$15 -
Your Preventive Care Benefit
$365
Preventive 575
This plan provides a higher level of coverage for the following benefits, up to the yearly reimbursement limits listed.
-
Vet Exam
$75 -
Parasite Prevention and Vaccinations
$100 -
Spay/Neuter or Teeth Cleaning
$150 -
Health Screens
$100 -
Microchipping, Health Certificate, or Behavior Training
$120 -
Deworming
$30 -
Your Preventive Care Benefit
$575
Like our standard policy, all services and care must be performed by a licensed veterinarian. Check out this PDF for a more detailed look at the benefits included in our Preventive Care coverage. For additional wellness coverage options, call our customer service representatives and speak to a pet advocate today.
Ways You Can Use Your Preventive Care Benefits
Dental Cleaning
Having your pet’s teeth cleaned regularly can help prevent periodontal disease and other dental health issues that could lead to more systemic problems — such as heart, kidney, and liver issues.2
Real Claim: $230
MetLife Pet Covered1
$100
Heartworm Prevention
Heartworms could cause serious damage if not prevented or treated in time. Keeping up with your pet’s yearly heartworm test and monthly or semi-annual preventive medication is essential in helping to keep them safe.
Real claim: $120
MetLife Pet covered:1
$100
Routine Health Screens
Important routine health screens — like blood panels, fecal tests, urinalyses, heartworm tests, or FeLV/FIV tests — can help your vet see if your pet is healthy, or catch minor health issues before they become major.
Real claim: $140
MetLife Pet covered:1
$100
Is the Preventive Care Plan Worth It?
To help you decide if pet insurance with Preventive Care is worth it, think about how often your pet needs routine care each year. You could be reimbursed for many of those costs, as long as they're covered under your plan.
Plus, these kinds of routine expenses — like vaccines, parasite prevention, and annual exams — are ways you can help prevent or catch health issues before they become a potential harm to your pet or a high-cost bill.
Enhance a Standard Policy With Proactive Coverage
Our optional Preventive Care plan can work in tandem with our award-winning3 standard pet insurance policy to help keep your pet healthy and be there when they're sick.
From America's favorite veterinarian, Dr. Hunter Finn:
Prevention and being proactive in your pet's care will allow them to live better-quality lives for longer. Things we used to overlook but have become mainstays in preventive care, such as dental cleanings, are so important. But they can be quite costly, especially if you aren't prepared for these costs when you get a pet.
Perks of MetLife Pet Insurance's Preventive Coverage
At MetLife Pet Insurance, we understand the importance of coverage that can help you keep your pet healthy and happy. Here are some of the benefits you might enjoy when you choose our plan.
Pet Parents Love Our Preventive Care
We are very happy with the coverage
“MetLife Pet Insurance has been a lifesaver for our 3-year-old pup, who has some pretty bad genetics, apparently. (He has had bladder stones, bi-lateral hip dysplasia, food allergies, etc. during his lifetime — so far!) And MetLife Pet has covered each surgery he has needed, along with all the healthy wellness "maintenance" stuff, to help keep him a healthy & happy dog. We are very happy with the coverage, and the customer service we receive, when we need to make contact.6”
Betsy P.,
petinsurancereview.com, 8/30/25
I got my reimbursement in a few days
“After my puppy's first wellcare visit, I submitted the invoice and veterinary notes using the online portal and the reimbursement was in my checking account in a few days. Great service and easy to use portal!6”
Joan,
petinsurancereview.com, 8/25/25
The wellness benefits are great
“Amazing service. Very fast processing of claims. Wellness benefits are great to have with your emergency coverage. The online vet hotline is also a great perk.6”
Colleen,
Petinsurancereview.com, 10/05/2024
Preventive Care Plan FAQs
Our Preventive Care coverage can be added to our standard pet insurance plan to enhance your coverage for routine pet health expenses.
You can be reimbursed according to the benefit limits listed in your plan for each wellness expense. Once you reach the annual reimbursement limit for that expense, you’re responsible for all related vet costs until your policy renews. Alternatively, you can be reimbursed at your chosen reimbursement rate5 for covered wellness expenses — subject to your annual deductible and annual limit — just like our standard insurance policies.7,8
To use your benefits, follow the same process to submit a claim as you would with other vet bills covered under your standard plan. Once we’ve received all of the necessary records and invoices, claims are typically processed within 5 days.7
You can receive direct payments — through options like Zelle®8 and PayPal — or a check in the mail for your reimbursements.
Standard pet insurance typically covers unexpected expenses related to diagnostics and treatment when your pet isn’t feeling their best. If your pet breaks a bone, catches a stomach bug, or needs cancer treatment, a standard pet insurance policy may provide coverage. For more information on our pet insurance coverage, download a sample policy.
On the other hand, certain pet expenses are related to keeping your pet healthy — aka routine, wellness, or preventive care. Teeth cleanings, vaccinations, and parasite prevention are some of these types of expenses, and they’re typically covered under our Preventive Care plan.
Since this plan is an optional add-on, it’s an additional cost on top of your insurance premium. You can find out how much your customized coverage could cost by getting a free quote now in just a few minutes!
Help Keep Your Pet Healthy With a Preventive Care Add-On