Indiana is known for its vast farmland, forested canyons, and growing cities. From its history in the automotive industry to popular sports teams, Indiana is home to adventurers, hobbyists, and homebodies alike. With all that life brings in Indiana, it also brings pet ownership for many residents.
Whether you live in Fort Wayne, Indianapolis, or Angola, you may want to know some of the major risks to pets in Indiana. Some pet parents may understand these risks and consider investing in pet insurance from award-winning MetLife Pet Insurance.1
Looking for Pet Insurance in Indiana?
Why Pet Insurance May Be a Good Idea If You Live in Indiana
It doesn’t matter if your pet is a windowsill sunbather in Bloomington or a college town walker in Carmel, they deserve the best care. Pet care can be expensive, and there are risks throughout the state that could easily lead you to the vet.
Whether it’s the dangers of the wilderness, like coyotes and venomous snakes, or the risks of frigid winters and hot summers, your pet may face emergencies that could break the bank. This is where pet insurance may be able to help.
Why Choose a MetLife Pet Insurance Policy?
Many pet parents can feel that their pets deserve the very best pet insurance. MetLife Pet was awarded "Pet Insurance of the Year" in the 2023 Pet Independent Innovation Awards.
Here are some reasons pet parents may choose MetLife Pet:
- We offer a multipet policy that allows a shared deductible for up to three dogs or cats.3
- We typically process claims for reimbursement within 10 days.4
- We accept pets with pre-existing conditions who transfer from another pet insurance.5
- You can use any licensed veterinarian in the U.S.
- Our accident and illness coverage has a short waiting period. 6,7
- We don’t have age or breed restrictions for pets.
How MetLife Pet Insurance Works in Indiana
Visit any licensed vet
Take your pet to any licensed vet in Indiana or across the country. That means there’s no need to deal with in-network or out-of-network vets.
Pay at the vet and send us your claim
Pay your bill upfront at the vet, then send us a claim with an itemized invoice and any other relevant records from your vet.
Get reimbursed fast
MetLife Pet Insurance typically processes claims within 10 days so you can get any covered expenses reimbursed.4
MetLife Pet Insurance Is Available in Indiana. See What’s Covered
At MetLife Pet Insurance, we know how much it means to have a plan that fits your lifestyle. Whether you’re interested in getting a dog insurance policy or pet insurance for your cat, MetLife Pet offers flexible plans that could work for you. We offer multipet insurance on a shared deductible, and we offer additional coverage to fit your needs, like Preventative Care and Wellness options.8,9,10
While your exact coverage depends on your individual policy, here are a few things we typically cover:
- Examinations
- Emergency care
- Diagnostic testing
- Surgery
- Hospitalization
- Prescription medication
- Alternative therapies
How Much Is Pet Insurance in Indiana?
At MetLife Pet Insurance, our plans start at $9 per month for cats and $15 per month for dogs.11 The cost of a monthly premium can depend on a variety of factors, including where you live and what you choose to add on to your coverage, for example.
You also may expect to pay more per month if you’re in a bigger city like Indianapolis or Bloomington, as opposed to a small town like Santa Claus. Aside from where you live and the coverage you choose, the cost of a policy can vary based on whether you have a dog or cat, as well as your pet’s age, breed, and sex.12 Learn more about the cost of pet insurance to see if enrolling in a policy is right for you and your furry companion.
Pet Insurance Claims We Paid in Indiana
Pet parents all over the country choose us to insure their furry family members. Here are a few real stories of pet parents who have gotten coverage:13
- More than $100 paid — This helped cover prescription medication for an 11-year-old mixed breed with environmental allergies in Valparaiso, IN.
- More than $200 paid — This offset the cost of an exam for gastroenteritis for a mixed breed puppy in Indianapolis, IN.
- About $1,000 paid — This helped pay for hospitalization to treat a foreign body ingestion in an American pit bull terrier puppy in Warren Park, IN.
- More than $700 paid — This provided coverage for an exam to treat poisoning in a 1-year-old mixed breed in Indianapolis, IN.
- About $350 paid — This helped cover a surgery for papilloma virus for a 2-year old German shepherd in Westfield, IN.
Notable claim in Indiana
When 9-year-old Labrador retriever Lucky’s parents noticed a tumor on her front leg, they booked an appointment with their trusted vet. The exam to identify the mast cell tumor cost $1,475. Thanks to their policy with MetLife Pet Insurance, they were reimbursed just over $1,300, so they can plan further care to get Lucky back on her feet.13
Pet Injuries and Illnesses Typically Found in Indiana
Indiana has something for everyone — whether you’re a fan of chilly winters or hot summers, living the rural farm life or the hustle and bustle of a city. With this variety of lifestyles comes a variety of potential dangers to your pet. The climate in Indiana ranges greatly, which poses one of the biggest concerns to pet owners throughout the state.
Here are a few things pet owners may want to watch out for:
- Heat waves and cold fronts: Indiana is known for its hot summers, so much so that there are ordinances in some cities — like Indianapolis — that require you to bring your pet indoors when the temperatures rise above 90℉. Similarly, dogs must have access to shelter when temperatures dip below 20℉, a common occurrence for Indiana winters.14
- Kissing bugs: These parasitic insects transmit a disease called Chagas.15 If a dog is bitten by one of these bugs, they may experience a variety of symptoms such as lethargy, difficulty breathing, and a swollen abdominal area.
- Coyote attacks: Indiana’s wilderness is home to dangerous animals, including the coyote. While they may look like some of our favorite dogs, they certainly can pose a risk to your pets if not careful. To prevent attacks, bring animals in at night and choose higher-traffic locations when adventuring into the wilderness.
Indiana Plants That Can Be Poisonous to Pets
When adventuring in the great outdoors with your pet or choosing the right plants for your garden, it’s important to be mindful of the plants that can pose risk to dogs and cats. Check out this comprehensive list of potentially toxic plants for your pets, but here are a few you may want to look out for in Indiana:16
- Foxtail barley
- Elephant ear
- Lily of the valley
- Tulip
- Daffodil
- English ivy
Most Popular Dog Breeds in Indiana
Curious what dog breeds Hoosiers adopt the most? While Butler Blue the English bulldog is the mascot of Indianapolis’ most historic university, there’s a lot of love to go around for some other breeds. Here are the top three adopted breeds in Indiana and common health problems they may face:17
- German shepherd: The courageous and confident German shepherd may be predisposed to skin conditions, conjunctivitis, and gastroenteritis
- Labrador retriever: This lovable family dog often faces genetic predispositions like hip dysplasia, epilepsy, tumors, and heart disease.
- Golden retriever: Friendly and smart, goldens may be prone to hypothyroidism, obesity, and colitis.
Adoptable Dogs and Cats in Indiana
Considering adding a four-legged friend to your family? The good news is there are hundreds of dogs and cats ready to find their home in Indiana. With some additional knowledge, you can enter pet parenthood with the right tools to protect them. Visit PetFinder to find adoptable dogs and adoptable cats in Indiana.
If You Live in Indiana, You May Want to Consider Insuring Your Pet
A MetLife Pet Insurance plan can help you keep your pet — and your wallet — protected in the event of an animal emergency.2 Whether your feline best friend is a homebody, or your canine companion has a love of the great outdoors, they’ll likely need veterinary care at some point in their life. Get a free quote now to see how much you could save.
Pet Insurance Can Help Cover Pet
Injury & Illness Costs
There is no substantive difference between a MetLife Pet Insurance policy in Indiana 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 We do not cover all pre-existing conditions; just those covered by the previous provider. For group policyholders only.
6 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.
7 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.
8 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.
9 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
10 Available at an additional cost.
11 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.
12 For IAIC policies only
13 All claims paid amounts are based on MetLife internal claims data from October 2022
14 “It's hot outside — time for a refresher on Indy's pet laws,” WTHR
15 “Chagas Disease in Dogs (Kissing Bug Disease),” PetMD
16 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals
17 ”Most Popular Dog Breeds by State in 2023,” Pet Keen
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).
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