There is no substantive difference between a MetLife Pet Insurance policy in Alabama and a MetLife Pet policy in another U.S. State.
1 “2023 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards
2 Provided all terms of the policy are met. 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.
3 Based on a January 2022 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.
4 Approximately 80% of claims are processed within 10 days or less.
5 Wait period for accident coverage is midnight EST compared to 2 to 15 days for competitor's; wait period for illness coverage is 14 days compared to 14 to 30 days for competitor's, based on a January 2021 review of publicly available summary information about competitor's offerings.
6 Accident coverage and Preventive Care coverage (for those who select it) begins on the effective date of your policy. Illness coverage begins 14 days later.
7 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.
8 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
9 Available at an additional cost.
10 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose.
11 For IAIC policies only
12 All claims paid amounts are based on MetLife internal claims data from October 2022.
13 “Dog Flu Outbreak Map,” DogFlu.com
14 “A Guide to Alabama’s Venomous Snakes,” Alabama A&M University & Auburn University
15 “Venomous (Poisonous) Spiders in Alabama,” A-Z Animals
16 “Poisonous Plants To Avoid,” Southeast Alabama Veterinary Hospital
17 “Poisonous Plants,” American Society for the Prevention of Cruelty to Animals
18 “Most Popular Dog Breeds in the U.S,” Cute Paws
Coverage underwritten and issued by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254 or Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Coverage subject to restrictions, exclusions and limitations. Application is subject to underwriting review. See policy or contact MetLife Pet Insurance Solutions LLC for details. MetLife Pet Insurance Solutions LLC is the policy administrator for this coverage. 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).