Jane Dotson
MetLife Pet Insurance offers comprehensive coverage for pets, including cats and dogs of all ages and breeds, as well as exotic pets in some states. Their standard plan covers accidents and illnesses that occur during the coverage term, and they also offer an optional preventative care plan for additional wellness coverage. While MetLife does not include parasite prevention and treatment in its accident-and-illness plan, pet owners can add an optional preventative care package (Standard Wellness) to their plan, which covers treatments such as flea prevention.
| Characteristics | Values |
|---|---|
| Flea medication covered | Yes, but only if you add Standard Wellness to your plan |
| Other medications covered | Yes, including prescription and over-the-counter medication |
| Medication format covered | Pills, injections, liquid medications, and compound drugs |
| Types of pets covered | Cats and dogs of all ages and breeds, plus exotic pets in some states |
| Policy start date | Accident coverage starts right away, with no waiting period |
| Policy exclusions | Cosmetic and elective procedures, injuries caused by racing, coursing, commercial guarding, or illegal fighting, and pre-existing conditions |
| Deductible | Ranges from $0 to $2,500 per year, depending on the policy |
| Reimbursement options | 50% to 90%, depending on the policy |
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What You'll Learn
MetLife's pet insurance covers cats, dogs, and exotic pets
The standard plan can cover accidents and illnesses that first occur during the MetLife Pet coverage term. The optional preventative care plan enhances the standard injury and illness policy with extra wellness coverage for regular care. This includes medication, surgery, hospitalization, and diagnostic testing.
MetLife Pet offers a unique family plan that covers up to three pets on one policy with a shared deductible. Covered expenses for all the pets on the family plan count toward one deductible, so you can meet it faster and start getting reimbursed sooner. You can also combine cats and dogs on your family plan.
MetLife Pet reimburses you for covered costs on your vet bills, helping you pay for your dog or cat's unexpected medical expenses. You can take your pet to any licensed vet without worrying about provider networks. After their care, you pay your vet bill and submit a claim to MetLife, who will reimburse you for covered expenses, typically within 5 days.
MetLife Pet plans start at $7 per month for cats and $16 per month for dogs. However, the cost of pet insurance depends on a variety of factors. You can also customize your plan by adjusting how much you want to be reimbursed or your deductible amount.
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The standard plan covers accidents and illnesses
MetLife Pet Insurance offers a standard plan that covers accidents and illnesses that first occur during the coverage term. This includes accidents such as your pet eating something they shouldn't, or suffering a torn ligament or broken bone. Coverage for accidents includes expenses like surgery, hospitalization, and emergency care.
The standard plan also covers illnesses, including medication, surgery, hospitalization, and diagnostic testing. For example, MetLife reimbursed a California cat owner over $350 for their cat's $400 kidney disease medication. Medication covered by the standard plan includes prescription pain medication, insulin, and Xanax for anxiety.
The standard plan covers medication for cats and dogs, and even exotic pets in some states. MetLife's standard plan covers pets of all ages and breeds, with no age restrictions for enrollment.
MetLife's standard plan does not cover preventative medications like flea treatment or vaccinations. However, you can add an optional preventative care package (Standard Wellness) to your plan, which covers flea treatment and other routine care such as dental cleaning, vaccinations, and wellness exams.
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The basic plan does not cover parasite treatment
MetLife Pet Insurance offers a range of plans to help you care for your pets. The standard plan covers accidents and illnesses that occur during the coverage term, including medication, surgery, hospitalization, and diagnostic testing. However, it's important to note that the basic plan does not cover parasite treatment.
The basic accident-and-illness plan from MetLife does not include parasite prevention and treatment. Parasite treatment, such as flea medication, is considered a preventative measure and is therefore not included in the basic plan. This is a standard exclusion across many pet insurance companies, who often require an additional wellness package to cover these treatments.
If you are a pet owner and want to include parasite treatment in your insurance coverage, you will need to consider an optional add-on to your policy. MetLife offers a preventative care package called Standard Wellness, which covers treatments like flea prevention and heartworm medication. This add-on helps reduce costs associated with routine care and ensures that your pet receives the necessary treatments for their well-being.
It is important to carefully review the details of any pet insurance plan before purchasing it. Understanding the exclusions and limitations of a policy will help you make an informed decision and ensure that your pet receives the required care. MetLife strives to keep exclusions to a minimum, but like all insurance providers, there are certain treatments that are not included in the basic plan.
By adding the Standard Wellness package to your MetLife Pet Insurance, you can ensure that your pet is protected from parasites and the associated health risks. This optional add-on provides peace of mind and demonstrates your commitment to your pet's overall health and happiness.
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The optional preventative care plan covers wellness treatments
MetLife Pet Insurance offers a standard plan that covers accidents and illnesses that occur during the coverage term. This includes medication, surgery, hospitalization, and diagnostic testing. However, the standard plan does not include preventative medications like flea treatment.
The preventative care plan is subject to a 6-month waiting period for policies issued by IAIC. MetLife Pet Insurance also offers customizable plans for dogs, cats, and even exotic pets in some states. The company has no age restrictions for pet enrollment and offers a 24/7 vet chat service for policyholders.
It's important to note that MetLife Pet Insurance does not cover cosmetic and elective procedures, such as declawing, tail docking, or ear cropping. Additionally, injuries caused by racing, coursing, commercial guarding, or illegal fighting are excluded from coverage. Pre-existing conditions are also generally not covered, although MetLife may cover certain pre-existing conditions when switching providers.
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MetLife may cover pre-existing conditions when switching providers
MetLife Pet Insurance offers a standard plan that covers accidents and illnesses that occur during the coverage term. It also offers an optional preventative care plan that provides extra wellness coverage for regular care. While MetLife Pet may not cover all pre-existing conditions, it may cover certain pre-existing conditions when switching providers. This includes conditions that were previously covered by another insurance provider for group policyholders.
When switching providers, it is important to understand the exclusions of any new pet insurance plans. MetLife Pet Insurance strives to keep exclusions to a minimum, but like all pet insurance companies, some exclusions do apply. For example, cosmetic and elective procedures such as declawing, tail docking, or ear cropping are not covered. Additionally, injuries caused by racing, coursing, commercial guarding, or illegal fighting are excluded from coverage. Pre-existing conditions that occurred prior to the policy's effective date or during any waiting period are also generally not covered.
However, if you are a group policyholder and your pet's pre-existing condition was covered by your previous insurance provider, MetLife Pet Insurance may provide coverage for that condition when you switch. This means that you may be able to get reimbursed for MetLife Pet-covered expenses related to a pre-existing condition that was already covered under your previous policy. It is important to note that not all services and conditions listed by a provider may be covered, so be sure to review your policy for complete details.
To submit a claim for a pre-existing condition, you will likely need to provide your pet's relevant vet records along with your vet bill invoice. This allows MetLife Pet Insurance to review your pet's medical history and determine if the services provided were related to the pre-existing condition. Remember, even if your policy doesn't cover a pre-existing condition, your pet may still be eligible for coverage for other accidents, injuries, or illnesses that occur during the coverage term.
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Frequently asked questions
MetLife Pet Insurance does not include parasite treatment in its accident-and-illness plan. However, there is an optional preventative care add-on called Standard Wellness that covers these treatments. Therefore, if your pet needs flea treatment, MetLife will cover the costs if you add Standard Wellness to your plan.
The accident-and-illness plan covers medical expenses related to accidents and illnesses, including medication, surgery, hospitalization, and diagnostic testing.
MetLife Pet Insurance covers prescription and medication costs for all pet insurance plans. This includes prescription pain medication, insulin, antibiotics, and over-the-counter medication for allergies, pain, digestion, and other common issues.
