Pennsylvania is rich in history and nature. The Keystone State may be home to many different lifestyles, including the pet owners of dogs and cats in the area. Whether you live in Harrisburg or Lititz, you may want to be aware of the potential risks of living in Pennsylvania when it comes to your four-legged family members.
With increased costs of living across Pennsylvania, that also means potentially hefty vet bills. With all the risks your pet may face throughout their life, you might consider investing in pet insurance from award-winning MetLife Pet Insurance.1 Pet insurance can help offset the cost of covered and approved vet bills so you can focus on keeping your pet healthy into their golden years.
Protect your Pets
Why Pet Insurance May Be a Good Idea if You Live in Pennsylvania
Pennsylvania is home to diverse terrain and wildlife, from eagles and vultures to poisonous reptiles. More than half the state is covered by forests, so there’s a good chance you may come across some potentially dangerous wildlife if you have an outdoorsy pet.
Your pets may also be at risk for a variety of health conditions throughout their life, regardless of where they live. Pet insurance can save you money on necessary vet visits and emergencies alike. Take your pet to any licensed vet, pay the bill upfront, and we’ll reimburse you based on your customized plan.
Why Choose a MetLife Pet Insurance Policy?
Choosing the best pet insurance Pennsylvania has to offer can be a challenge. Thousands of pet parents across the country trust MetLife Pet Insurance with their four-legged companions. In fact, MetLife Pet was named "Pet Insurance of the Year" in the 2022 Pet Independent Innovation Awards.
Here are a few reasons why pet parents in Pennsylvania might choose MetLife Pet Insurance:2
- We accept all licensed veterinarians in the U.S.
- We process and reimburse most claims within 2 weeks.3
- We don’t have age or breed restrictions.
- We allow up to three dogs or cats on one policy with a shared deductible.4
- We accept pets with pre-existing conditions if transferring from another pet insurance.5
- We have among the shortest waiting periods for Accident and Illness coverage.6,7
How MetLife Pet Insurance Works in Pennsylvania
Visit your vet
If you like your current vet, no need to change! We accept any licensed vet in Pennsylvania and the rest of the U.S.
Pay upfront and send us your claim
Pay your bill upfront at the vet and get an itemized receipt with any other relevant records. Send us your claim for processing!
Get reimbursed fast
We’ll reach out to your vet directly if we need any additional information. MetLife Pet processes claims in about 10 days, so you get your money back quickly.2,3
MetLife Pet Insurance Is Available in Pennsylvania. See What’s Covered
At MetLife Pet Insurance, you can customize your policy to fit your lifestyle. If you have multiple pets, you can add up to three on the same policy with a shared deductible. We also have options that allow you to have more comprehensive coverage for your pet.
Here’s what a standard policy can typically cover for all pets:
- Emergency visits and hospitalization
- Imaging tests like X-rays and ultrasounds
- Diagnostic tests
- Prescription medicine
- Accidents and illnesses
- Alternative treatments
How Much Is Pet Insurance in PA?
MetLife Pet’s basic policies start at $9 per month for a single cat and $15 per month for a single dog.8 You can add on coverage for a more comprehensive plan that covers things like wellness and preventative care.9
The cost of a policy depends on a variety of factors, including your location and the breed of your pet, as well as their age, sex,10 and any pre-existing conditions they may have. If you live in a large city like Philadelphia, you may pay more than if you’re in a small town like Milford. Read “How Much Does Pet Insurance Cost” to learn more.
Pet Insurance Claims We Paid in Pennsylvania
MetLife Pet’s comprehensive coverage has made a big difference in the lives of some Pennsylvania pet parents. Here are some real pets we’ve covered in your state.11
- More than $5,800 paid — This helped treat a fracture in a 9-year-old poodle in Philadelphia, PA.
- About $1,100 paid — This covered treatment for accidental poisoning in a mixed puppy in Philadelphia, PA.
- Over $1,100 paid — This helped cover lymphoma treatment for a 9-year-old cat from outside of Pittsburgh, PA.
- About $1,000 paid— This paid for treatment of a bite wound in a 3-year-old domestic short hair cat from outside of Philadelphia, PA.
- About $300 paid — This covered a routine blood panel for a 2-year old domestic shorthair cat from outside of Allentown, PA.
Notable claim in Pennsylvania
Jay, a mixed puppy from Philadelphia, got a soft tissue injury when he was hiking with his family. They brought him to a veterinary clinic for diagnostics and treatment that cost $5,300. After paying the vet bill, Jay’s owners submitted a claim to Metlife Pet Insurance, and were reimbursed $4,300.
Jay is back on his feet now, ready for his next adventure!11
Pet Injuries and Illnesses Typically Found in The Keystone State
Whether you’re living the small-town Pennsylvania life with your cat or have a new puppy in your Philadelphia home, you may want to take some time to learn about common risks to your pet. Here are a few injuries and illnesses you may come across when caring for your Pennsylvania pets.
- Ticks: Pennsylvania is known and beloved for Allegheny National Forest and the many beautiful hikes and views it contains. But with every hike comes a tick risk. Ticks may carry a variety of diseases — including anaplasmosis, babesiosis, ehrlichiosis, Lyme disease, RMSF, and tularemia.12 A good way to protect your pets is with a tick prevention treatment.
- Snakes: Ticks aren’t the only trail risk in Pennsylvania. There are four types of poisonous snakes in the state: rattlesnakes, copperheads, coral snakes, and cottonmouths. All four can deliver a fatal bite.13
- Canine parvovirus: Parvo is a sometimes fatal disease that attacks the gastrointestinal tract in puppies. It can live in infected poop and on surfaces for months, making it highly contagious. You can prevent parvo by ensuring your puppy has their parvo vaccination and keeping adult dogs up-to-date on theirs.
- Atopy: Pennsylvania is a beautiful state with four seasons. But with those four seasons comes allergy season. Like us, our pets can have allergies to environmental factors like pollen, dust, and hay. Your pet may be experiencing allergies if they have itchy paws, belly, or face.
Pennsylvania Plants That Can Be Poisonous to Pets
Pennsylvania is known for its close proximity to mountains and coastal beaches. With this comes a diverse collection of plants throughout the state, many of which can harm our furry friends. In fact, Pennsylvania is well-known for being a leader in mushroom production, producing upwards of 425 million pounds annually.14
The American Society for the Prevention of Cruelty to Animals (ASPCA) provides a comprehensive list of plants that may be toxic to dogs and cats.15 Here are some common plants in Pennsylvania that may be a risk to your pet:
- Elephant ears
- Poison Ivy
Most Popular Dog Breeds in Pennsylvania
There are a few dog breeds that Pennsylvanians seem to love the most. According to a CutePaws study, here are the top five dog breeds in Pennsylvania and their common health problems:16
- Labrador retriever: This carefree family dog may be susceptible to eye problems, obesity, tumors, and heart disease.
- Mutt: Mixed breeds’ health concerns depend on their breed makeup.
- Beagle: The affectionate beagle may be at a higher risk for eye problems, obesity, skin allergies, and hip dysplasia.
- Chihuahua: The spunky Chi may be at a higher risk for intervertebral disc disease, upper respiratory infections, and periodontal disease.
- German shepherd: Loyal and protective German shepherds are predisposed to skin conditions, respiratory infections, and ear infections.
Adoptable Dogs and Cats in Pennsylvania
While you may not be able to adopt a groundhog like Punxsutawney Phil, there are plenty of four-legged friends waiting to be adopted in Pennsylvania. Visit PetFinder to search adoptable dogs and adoptable cats in the Keystone State.
If You Live in Pennsylvania, Consider Insuring Your Pet
Whether you have a farm dog in York County or a Pittsburgh apartment cat, your pet may need veterinary care at some point during their life. Get a free quote from MetLife Pet.
There is no substantive difference between a MetLife Pet Insurance policy in Pennsylvania 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 Approximately 80% of claims are processed within 10 days or less.
4 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.
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 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.
9 Available at an additional cost.
10 For IAIC policies only
11 All claims paid amounts are based on MetLife internal claims data from October 2022.
12 “Tick Borne Disease Fact Sheet,” Pennsylvania Department of Health
13 “Poisonous Snakes in Pennsylvania: The 3 Snakes That Should Cause Alarm,” A-Z Animals
14 ”Pennsylvania,” U.S. News
15 “Toxic and Non-Toxic Plants List,” American Society for the Prevention of Cruelty to Animals
16 “Most Popular Dog Breeds in the U.S.,” CutePaws
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).