MetLife Pet Insurance policies bend to fit your lifestyle. Whether you go for the standard pet insurance policy or the extensive policy, you can customize depending on your pets’ needs. You could have up to three pets on the same policy, as well as adjust your limits, deductibles, and reimbursement rates.
You can read our dog insurance and cat insurance pages to understand pet specific coverage, but here are a few of the basics that every MetLife Pet Insurance standard policy covers:
- Emergency care
- Diagnostic tests
- Prescription medications
- Accidents and illnesses
- Holistic treatments
The cost of pet insurance doesn’t have to be expensive. MetLife’s policies start at $9 a month for cats and $15 a month for dogs.8 From there, you have space to customize your coverage limit, deductible, and reimbursement rate, all of which will affect the price.
Depending on where you live in Florida, your overall cost may vary. A policy for a family from Orlando will typically cost more than one for a family from Mount Dora due to the prices vets in the bigger city charge. Your price will also be determined by how many pets you have on the policy along with your pets’ breeds, ages, and genders9.
The best way to demonstrate the benefits of having pet insurance is to show how it’s helped pet parents across the Alligator State. Here are some examples of pet emergencies, hospitalizations, and treatments, as well as what MetLife paid out.10 If you have a cat or dog, any of these situations could have been you.
- About $4,000 paid – A hospitalization for a mixed puppy who ingested a cord just outside of Fort Lauderdale, FL.
- About $2,000 paid – A hospitalization for a poodle puppy who had parvovirus near Palm Beach, FL.
- About $1,300 paid – An examination for a 4-year-old cat who had a dermal cyst in Fort Lauderdale, FL.
- About $800 paid – An examination for a kitten with a bite wound in Hollywood, FL.
- About $400 paid – Medication for an 11-year-old mixed dog with osteoarthritis in Naples, FL.
Ginger, a dachshund puppy from Miami, got really excited when she saw a toad hopping through her backyard one night. The dog chased the toad and licked it before it hopped back to the swamp, where it came from.
The toad was a bufo toad, known for causing seizures, arrhythmias, and death in pets in sometimes mere minutes.11 Ginger’s owners saw the whole thing happen and rushed the little pup to the vet, where she was treated. The hospitalization and treatment cost a whopping $900, but MetLife reimbursed over $600.
Ginger recovered nicely, but is no longer allowed to play in the backyard after dark when the toads are the most active.10
The Sunshine State is beautiful, but rife with danger for your pets. ForeverVets, a Florida veterinary group, shared how Florida is home to many dangerous creatures, any of which could hurt your pet.12 Plus, two viruses have been running rampant through Florida dogs over the past few years.
Here are a few injuries and illnesses Florida pet parents should watch out for.
- Kennel cough: Also known as Canine Infectious Respiratory Disease (CIRDC), this is a highly contagious affliction. While most infections are mild, dogs with severe cases may need medication, fluids, or even X-rays to make sure nothing else is wrong. The best way to prevent CIRDC is to keep your dog current on all their vaccines.
- Parvo: Canine parvovirus (CPV) is dangerous and affects puppies' gastrointestinal systems. The virus is transmitted through infected poop and can survive on surfaces up to a year. Dogs diagnosed with parvo usually spend a few days in the animal hospital with an IV to administer fluids and medications. There is a parvo vaccine for puppies.
- Bufo toad toxicity: Bufo toads or cane toads have toxins in their skin that can cause heart arrhythmias, seizures, and even death.
- Snake bites: Coral Snakes, cottonmouths, rattlesnakes, and copperheads all call the Sunshine State home. Each of these snakes has toxins that may harm your pet. If your dog is bitten by a snake (or bites one), take them to the vet for immediate attention.
- Florida panther attacks: These South Florida wildcats are known for attacking and sometimes killing livestock and pets. If your pet has a run-in with a panther, they’ll probably need serious medical attention.
- Crocodile and alligator attacks: Crocodiles and alligators lurk in the swamps of South Florida. Similar to panthers, these creatures can severely injure or even kill your pet.
- Caterpillar toxicity: Florida has a variety of stinging caterpillars. These tiny creatures have venomous spines that can irritate dogs’ mouths and leave nasty stings.
From the subtropical humid Tallahassee in North Florida to the full blown tropical city of Jupiter in South Florida, the state is known for its diverse plant life. However, the subtropical and tropical climates lend themselves to some more toxic flora. Because of this, it’s crucial that pet-owning Floridians keep a close eye whenever their dogs or cats are outdoors.
The American Society for the Prevention of Cruelty to Animals (ASPCA) provides a comprehensive list of plants toxic to dogs and cats.13 If your pet does come into contact with any of these plants, consider taking them to the vet.
Here’s a list of some common Florida plants that can be toxic to cats and dogs:
- Sago palms
- Florida arrowroot
- Elephant ear
- Anger trumpet
Florida pet parents take care of a wide variety of dog breeds. But there are five dog breeds Floridians are known to love. According to a Top Agency study, these are the five dogs that get adopted the most in Florida.14 We also included a few health conditions each breed is predisposed to.
- Chihuahua: This sassy breed is predisposed to intervertebral disc disease, upper respiratory infections, urinary tract infections, and periodontal disease
- Pit bull: This loyal breed is prone to allergies, congenital heart disease, hip dysplasia, and hypothyroidism
- Labrador retriever: This fun-loving breed is prone to obesity, eye conditions, Osteochondritis Dissecans, tumors, and heart disease
- Mutt: Mutts can be predisposed to a variety of illnesses, depending on which breeds their genes come from.
- Yorkshire terrier: Yorkies are predisposed to eye conditions, luxating patella, periodontal disease, and Legg-Calve-Perthes disease
Now that you know the basics of pet dangers, healthcare, and health insurance in the state, it may be time for you to take the leap. Become a pet parent today. Florida has so many cats and dogs just waiting to be adopted into loving homes.
Use Petfinder’s handy tool to find your next pet. Browse through nearly 3,000 adoptable dogs and adoptable cats in the sunny state.
You may be a retiree with a few cats or a surfer who’s enjoying the beaches with their puppy. Whatever your lifestyle, it’s also your pet’s. Whether you’re a permanent resident or you’re a snowbird, your pets are exposed to risks in the Sunshine State all the time.
Do you want assurance that you can afford the best care for your cats and dogs, no matter what happens? Invest in the best pet insurance. Florida pet parents shouldn’t have to choose between paying their pet’s vet bills and paying other bills. Get your quote for MetLife Pet Insurance today.