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.

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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

Illnesses
SKIN ALLERGIES

What You Can Save4

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?

Get Started

Stress less about caring for your pet’s needs with the award-winning5 protection of MetLife Pet Insurance.