There is no substantive difference between a MetLife Pet Insurance policy in Rhode Island 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 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.
4 Deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.
5 Available at an additional cost.
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 We do not cover all pre-existing conditions; just those covered by the previous provider. For group policyholders only.
9 Approximately 80% of claims are processed within 10 days or less.
10 For policies issued by IAIC, coverage for these conditions is subject to a 6-month wait period. Please review your policy for complete details.
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 “Tick-Borne Diseases,” State of Rhode Island Department of Health
15 “Spiders in Rhode Island,” Waltham Pet Services
16 “Pretty Poisonous Plants,” Mass-RI Veterinary Services
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).