Preventive Care Wellness Plan

Our Preventive Care plan lets you be proactive about your pets health.  This add-on provides coverage for common routine wellness expenses — from teeth cleaning to spaying/neutering1 — keeping your pet and wallet happy!

What's Covered?

Our optional Preventive Care plan offers coverage for many routine wellness expenses that can help maintain your pet’s health.1 You can typically be reimbursed for the following expenses:

Parasites, heartworm, and Lyme prevention

Supplements and vitamins2

For more information on what's covered under our Preventive Care add-on and insurance policies, check out our coverage and exclusions page.

Ways You Can Use Your 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.4

Real claim $500

MetLife Pet covered3


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 your pet safe.

Real claim $375

MetLife Pet covered3



Spaying or neutering your pet is a routine procedure that can have health benefits, as well as help reduce overpopulation. Although it’s a one-time cost, it can run between $270 and $1,500 — depending on the type and size of your pet.5,6

Real claim $1,300

MetLife Pet covered3


Is the Preventive Care Plan Worth It?

To help you decide if a Preventive Care plan 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 the plan.  Plus, there's no better deciding factor than the peace of mind that you're able to keep your pet healthy — and potentially catch health issues before they become bigger.

Enhance a Standard Policy With Proactive Coverage

Our Preventive Care plan can work in tandem with our award-winning7 standard pet insurance policy to help keep your pet healthy and be there when they're sick.

MetLife Pet's Wellness Coverage Stands Out

At MetLife Pet Insurance, we understand the importance of truly comprehensive wellness coverage. Here’s how we set ourselves apart when compared to other providers:

Pet Parents Love Our Preventive Care 


The best value for wellness and insurance

… I did a lot of research, and MetLife Pet offered the most benefits, including wellness. The best part, it was also the best value. They are quick to get to, easy to file a claim. They even include flea, tick, heartworm meds — all under one deductible. … It's really important to have coverage for your pets. They can't tell you when they are sick, and having this plan offers me ease of mind that I can take him to get checked without feeling I am going to break the bank! A few friends of mine have also signed up their dog[s] with Metlife Pet after my positive experience. May all our dogs live happy, healthy lives.10

Sharon,, 11/01/23

The best value for wellness and insurance

Great reviews and affordability

This is our first pet insurance ever. We decided to choose MetLife Pet because of great reviews and affordability compared to others. First of all, I think it’s important you get the “Preventive Care” add-on, as it covers the regular visits, vaccines, and routine (including dental and neutering). After that, make sure you download and register in the app. From there, submission of the documents and the whole process for claims is a breeze! … Thank you, MetLife Pet!10

Stanley,, 10/06/23

Great reviews and affordability

Wellness is worth it

MetLife Pet has been there for all three of our dogs, the best and worst of times. Their wellness insurance is worth it because it encourages us to keep our dog healthy and follow recommendations provided by our vet. Filing claims is easy, and if you call, the staff is friendly and helpful.10

Chuck,, 7/27/2023

Wellness is worth it

Preventive Care Plan FAQs

Our Preventive Care plan isn’t an insurance policy, but it can be added to our standard pet insurance policy to enhance your coverage for routine pet health expenses.1 Just like our pet insurance policies, you’re reimbursed at your chosen reimbursement rate for covered wellness expenses. It is also subject to your annual deductible and annual limit.

Follow the normal process to submit a claim for wellness expenses. Once we’ve received all of the necessary records and invoices, claims are typically processed within 2 weeks.

You can receive direct payments — through options like Zelle and Apple Pay — 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.1

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

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

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 Covered only if recommended by a vet for illness, injury, or prevention.

3 All claims paid amounts are based on MetLife Pet internal claims data from October 2022.

4 “Dental Disease and Its Relation to Systemic Disease in Pets,” VCA Animal Hospitals,

5 The Cost of Cat Parenthood in 2023,” Rover,

6 The Cost of Dog Parenthood in 2023,” Rover,

7 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

8 Based on a March 2024 review of publicly available summary information about competitors’ offerings. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly.

9 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.

10 Testimonials are applicable to the individuals quoted. Your actual experience and results may differ. No one has been compensated for any testimonials. 

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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