MetLife Pet Insurance

Coverage and Exclusions

As we strive to provide comprehensive protection for your pets, we want you to clearly understand what is and isn’t covered.

FETCH YOUR QUOTE

1-888-865-6854

What’s Covered

Our Standard plan helps cover costs related to illnesses and injuries that first occur during your MetLife Pet coverage term. Preventive Care is an optional add-on for extra wellness coverage for regular care¹. And, as with any pet insurance plan, there are certain services which are not covered by MetLife Pet Insurance.

Accidents and Injuries

Hospitalizations and emergency care
Cruciate ligaments, including anterior (ACL), medial (MCL), cranial (CCL), and posterior (PCL)
Foreign body ingestion

Illnesses and Conditions

Hereditary, congenital, and chronic conditions
Periodontal disease
Intervertebral disc disease (IVDD)
Anal gland sacculitis, abscess, or cancer
Pregnancy² (for mother only)
Burial and/or cremation (including grief counseling³)

Procedures

Surgeries
Routine complications
Endodontics (root canal) and orthodontics (braces)
Removal of deciduous teeth²

Diagnostics

Diagnostic tests
X-rays
Ultrasounds
Exam fees

Prescriptions and Treatment

Prescription pet foods
Medications, including allergy and anxiety
Anal gland expression²
Preventative treatment²
Medicated baths
Treatment of heartworm, parasites, and Lyme disease
Cancer treatment

Holistics/Alternative Therapies

Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)
Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)

ADD-ON

Preventive Care

The following can be covered by enhancing your standard plan with optional wellness protection:¹

Parasites, heartworm, and Lyme prevention
Vaccines
Teeth cleaning
Behavioral training if recommended by a vet for anxiety or aggression
Spray/neuter

Services or supplies such as the following if recommended by a vet for prevention of illness or injury:

Supplements and vitamins
Genetic testing purchased through a vet
Dewclaw removal
Radiograph screenings
Tail docking
EKG
Gastropexy
Anal gland expression
Nail trim

Not covered

Exclusions

The following are not covered by MetLife Pet Insurance:

Pre-existing conditions as defined in our policy
Services performed by unlicensed veterinarians
Services or supplies provided outside of the U.S.
Illness or injury that results from preventable or intentional incidents such as neglect, organized fighting, and commercial use activities such as racing, exhibition, law enforcement and guarding
Services or supplies which are not medically necessary such as cosmetic or aesthetic procedures, elective surgeries, microchipping, anal gland expression, grooming & routine nail trims, non-prescription pet foods, vitamins, breeding, obedience training
Complication of procedures or conditions not otherwise covered such as complication from cosmetic procedures

Unleash Savings With MetLife Pet Insurance

Skin Allergies
Growth or Tumor
Heart Disease
Diabetes

SKIN ALLERGIES

You Pay

^$250

MetLife Pet Covers

^$2,250

Total Vet Bill

^$2,500

SKIN ALLERGIES

You Pay

^$250

MetLife Pet Covers

^$2,250

Total Vet Bill

^$2,500

Protect Your Pet Now 1-888-865-6854

Peace of mind sounds pretty good, doesn’t it?

Reimbursements up to 90% on covered expenses⁶
No breed restrictions or upper-age limits
Deductible savings with our healthy pet incentive⁷

Fetch a Quote

¹ Optional Preventive Care coverage is included in the annual limit.

² Covered only if related to an illness, injury, or medically necessary.

³ Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife. Not available to NY residents.

⁴ Examples are for illustrative purposes only. Please note that these examples do not include or account for any premium expense required to pay the pet policy. Actual premium rates may vary based on pet age breed, location, deductible, reimbursement rate, and annual limits you choose. Examples are based on covered expenses on a policy with a 90% reimbursement after meeting a $250 deductible. The pet policy issued by MetGen is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case. Cost info sourced from https://www.marketwatch.com/guides/pet-insurance/how-much-does-a-vet-visit-cost/ 2024 and https://betterpet.com/emergency-vet-costs/ 2024.

⁵ “Pet Insurance of the Year” Award in the 2022 and 2023 Pet Independent Innovation Awards Program.

⁶ Reimbursement options include: 50%, 70%, 80% and 90%

⁷ Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement. May not be available in all states

** As with any insurance policy, coverage may vary.

** There is a 30% maximum total discount for all policyholders.

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota) and MetLife Pet Insurance Solutions Agency LLC (Illinois).

Virtual veterinary services are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken through Askvet.

Legal Protection

Identity & Fraud Protection

Pet Insurance