Whether they’re dressed to the nines in their best Buckeyes apparel or sneaking a scoop of three-way chili from their pet parents, it’s clear that Ohio pets are living the good life, from Cincinnati to Cleveland and beyond. But it can be tricky to give them everything they deserve due to rising costs.
According to MetLife’s Pet Parents Study, 50% of pet owners worry that they may not be able to be pet owners in the future because of said costs. Pet healthcare costs alone can be a major barrier to pet ownership. That’s where the award-winning MetLife Pet Insurance1 can help.
Protect your Pets
How Health Insurance Can Help Your Ohio Pets
Before learning how pet insurance can help, it’s important to understand how expensive pet ownership can be. Pet owners can expect to spend about $1,150 on cat costs and $1,400 on dog costs annually. This includes toys, food, and shelter, in addition to vet visits, prescription medications, preventative care, and other needs. This figure doesn’t even include emergency veterinary care. With Ohio’s harsh winters, allergy seasons, and farmland and forests filled with things like toxic mushrooms and ticks, investing in pet insurance may be worth it for many folks in the state.
Pet health insurance can be an affordable way to help make sure any emergency costs don’t put a huge dent in your wallet. You pay a monthly premium for whatever coverage options you choose. Then, when your dog or cat needs veterinary care, you can take them to any licensed vet, clinic, or animal hospital. Pay the vet bill and submit the claim to your pet insurance provider for reimbursement.
Why Choose a MetLife Pet Insurance Policy?
There are so many options when it comes to pet insurance companies. How can you know which one provides the best pet insurance? Ohio pet parents can consider the Pet Independent Innovation Awards. They awarded MetLife Pet Insurance with the 2022 “Pet Insurance of the Year'' award. Here are a few of the things MetLife Pet can offer:
- We don’t discriminate and cover cats and dogs of all ages and breeds.
- We offer a short waiting period for accident or illnesses coverage.3,4
- We provide options where up to three dogs or cats can share an annual deductible.5
- We don’t work within a network of providers, instead covering care from all licensed veterinary providers, animal hospitals, and clinics in the U.S.
- We reimburse you within 2 weeks of receiving your claim.6
- We cover your pet’s pre-existing conditions if you transfer from a different provider.7
- We go beyond covering traditional treatment to cover alternative and holistic therapies.
How MetLife Pet Insurance Works in Ohio
Take your pet in for veterinary care
Bring your dog or cat into any licensed veterinarian, animal hospital, or clinic for care. MetLife Pet works with all licensed providers in the state and the rest of the U.S., so you’re not limited to a specific network.
Submit your vet bill
Once you’ve paid the vet bill, gather the invoice and any vet records to send to MetLife Pet.
Get reimbursed fast
MetLife Pet processes the claim, follows up with the vet, and returns your reimbursement within 2 weeks.2,6
MetLife Pet Insurance Is Available in Ohio. See What’s Covered
MetLife Pet Insurance offers Ohio pet families comprehensive coverage. From our basic injury and illness plans to add-ons like the Wellness Plan and the Preventative Care Plan, we can help cover your pets.8
Our standard dog insurance and cat insurance policies can typically cover the following:
- Diagnostic tests
- Prescription medications
- Alternative therapies
How Much Is Pet Insurance in Ohio?
MetLife Pet knows pet parents are concerned about the rising cost of pet care. We offer flexible pricing for our pet insurance policies. Our plans can start at $9 per month for cat insurance and $15 per month for dog insurance.9
From there, the cost of your pet insurance policy varies based on how many pets you have, their ages, their breeds, their sexes,10 and any pre-existing conditions they have. You’ll also be able to set your policy’s annual limit, deductible amount, reimbursement rate, and tack on any additional care coverage.8,11,12 Where you are located within Ohio will play into the pricing, too. You may pay less for vet care in smaller areas like Danville, OH, than you might in densely populated cities like Columbus.
For an estimate of what it’ll cost to insure your pet family, get a quote for pet insurance today.
Real Pet Insurance Claims We Paid in Ohio
The best way to demonstrate the value of pet insurance is with examples of pet families we’ve helped. Here are six claims from Ohio pet parents.13
- About $1,800 paid — This helped pay for an exam for a 8-year-old mixed dog living outside of Cleveland, OH, with a dermal cyst.
- About $1,200 paid — This went toward a surgery for a 9-year-old mixed dog with hepatopathy in Cleveland, OH.
- About $800 paid — This paid for a routine teeth cleaning for a 6-year-old golden retriever outside of Dayton, OH.
- About $600 paid — This helped finance an exam for a 2-year-old cat with a heart murmur that lived outside of Columbus, OH.
- About $50 paid — This covered prescription medication for a 9-year-old cat with hyperthyroidism in Columbus, OH.
Notable Claim in the Buckeye State
Angel, a spaniel puppy in Cleveland, OH, took a hike in the forest and discovered and ingested mushrooms. The family took Angel to an animal hospital, where she was treated for mushroom toxicity. The visit and treatment cost about $1,300. MetLife Pet reimbursed her family for the entire vet bill. Angel’s prompt treatment saved her life and she’s doing much better!13
Pet Injuries and Illnesses Typically Found in Ohio
Ohio isn’t known as a particularly dangerous state, but still has some risks for pet parents to be wary of. Plus, Ohio winters and summers can be especially harsh on cat and dog paws. So you’ll want to protect your pets if you take them outdoors.
- Allergies: Like pet owners, both dogs and cats can suffer from allergies. Allergies can either be seasonal or irritant-specific. The most common kind of allergy in pets is atopy, which means inhaled allergens, usually pollen, dust, or mold. Atopy symptoms usually include skin irritation rather than respiratory problems. Treating your pet’s allergies may require prescription medications, creams, or even shots, which can get expensive.
- Paw irritation: Be careful exposing your pet’s paws to the icy roads and sidewalks during the winter. Rock salt and antifreeze can build up on the paws, which can cause irritation and bleeding. They’re also at risk for frostbite if it’s too cold. Wipe down your pet’s paws after a winter walk, and consider putting them in booties if it’s a particularly harsh day or they’ll be out for a while. For those scorching summer Midwest days, it’s important to use paw protection, too, otherwise their pads can burn on pavement.
- Parvo: Canine parvovirus is a contagious and deadly disease that attacks dogs’ gastrointestinal and immune systems. It’s spread mostly through feces, but the virus can live on surfaces for months. A parvo diagnosis usually spells an animal hospital visit for your puppy, sometimes requiring IV fluids and antibiotics. Treating your pup for parvo can cost upward of $1,000. The earlier parvo is caught, the better the prognosis. However, it is preventable with the parvo vaccine.
- Tick bites: No matter where you live in Ohio, ticks are present. Pet parents need to be vigilant both about tick prevention medications and checking their pets for ticks. These tiny insects can transmit many different diseases. Lyme disease and Rocky Mountain spotted fever (RMSF) are the most common tick-borne illnesses in Ohio.14 Both Lyme and RMSF are severe diseases that may result in long-term complications. Treatment ranges from mild antibiotics to hospitalization.
Ohio Plants That Can Be Toxic to Pets
Whether your pets are outdoor explorers or curious about your houseplants, pet parents should be wary of common plants that are toxic to pets. Plant toxicity in pets could result in mild irritation to organ failure, and even death. It’s important to keep tabs on what plants your pet may be in contact with. Here are some of the common plants found in Ohio that can be toxic to your furry friend:
- Buckeye (the very same one the state is nicknamed for)15
Popular Dog Breeds in Ohio
Based on the data, Ohio pet parents adopt dogs that are high in energy, loyalty, and heart. At least, that’s what a study by Top Agency says regarding the top five most adopted dog breeds in Ohio.16 Here are the characteristics for those breeds and some of their predisposed health conditions.
- Labrador retriever: Loyal and friendly, labs are the number one most adopted dog breed in Ohio. This breed is predisposed to hip dysplasia, tumors, heart disease, and allergies.
- Mutt: The personalities and predisposed illnesses of mutts depend on which breeds are within their mix. That said, all mutts have lots of love to give to their human family members.
- Beagle: Intelligent and fun-loving, beagles can be mischievous. But their loyalty and love is undeniable. This breed is prone to epilepsy, eye diseases, hip dysplasia, and luxating patellas.
- Chihuahua: Sassy and loving, chihuahuas are bundles of energy. This toy breed is prone to intervertebral disc disease, respiratory infections, urinary tract infections, outer ear infections, and dermatitis.
- Boxer: Highly intelligent, playful, and loyal, boxers make excellent guard, therapy, and family dogs. This breed is prone to food allergies, deafness, hip dysplasia, and obesity.
Adopt a Pet in Ohio that Needs a Home
Pets all across the state of Ohio are waiting to be adopted into loving families. Now that you know how to give the best healthcare possible to a pet, consider adopting one of your own. You don’t even have to leave your couch to browse cats up for adoption and dogs up for adoption on Petfinder or other local pet adoption websites. They make it easy to find your next best furry companion, one who would be happy to go on a long stroll along the Clay Wade Bailey Bridge in Cincinnati on a warm spring day.
Consider MetLife Pet for Your Pets
Whether you’re in Akron or Toledo, caring for your pets is more than just buying them food and taking them on walks to show off their latest leash and bandana. It’s providing them with preventative care, veterinary access, and any emergency care they may need. Luckily, MetLife Pet offers pet insurance in Ohio, helping pet owners provide the best healthcare possible for their pets.
Consider investing in MetLife Pet Insurance today. Get a free quote here faster than you can shout O-H-I-O!
There is no substantive difference between a MetLife Pet Insurance policy in Ohio and a MetLife Pet policy in another U.S. State
1 “2022 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 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.
4 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.
5 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.
6 Approximately 80% of claims are processed within 10 days or less.
7 We do not cover all preexisting conditions; just those covered by the previous provider. For group policyholders only.
8 Available at an additional cost.
9 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.
10 For IAIC policies only
11 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
12 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.
13 All claims paid amounts are based on MetLife internal claims data from October 2022.
14 “Tickborne Diseases in Ohio,” Ohio Department of Health
15 “Buckeye,” Pet Poison Helpline
16 “Americans Favorite Dog Breeds by State, Ranked,” TOP Data
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).