Preventive Care

You can add Preventive Care to a MetLife Pet Insurance plan, but we don’t currently offer it as a stand-alone option. When requesting a quote, you can add Preventive Care during the “Customize Your Plan” step. Below the “Plan Details,” click Customize this Plan to choose the Preventive Care coverage you want. Or call us for more coverage options.

If you already have a MetLife Pet plan, you can call us to add Preventive Care during your annual policy renewal period. This is the only time you can do so. Once enrollment is complete, you’ll have to wait until your next renewal period to add it.

Standard pet insurance typically covers unexpected expenses related to diagnostics and treatment when your pet isn’t feeling their best. If your dog or cat breaks a bone, catches a stomach bug, or needs cancer treatment, a pet insurance policy may provide coverage.

On the other hand, Preventive Care provides coverage for pet expenses related to keeping your pet healthy — like routine, wellness, or preventative costs. Annual exams, teeth cleanings, vaccinations, and parasite prevention are some of these types of expenses, and they’re typically covered under our Preventive Care plan.

For more information on our pet insurance coverage, download a sample policy.

You can be reimbursed up to the benefit limits listed in your plan for each wellness expense. Visit the vet, file a claim for your pet’s routine care, then receive a reimbursement for covered expenses. Once you reach the annual reimbursement limit for that expense, you’re responsible for all related vet costs until your policy renews.

For example, if your plan covers routine vet exam fees up to $75 and your pet’s exam fee was $50, you could receive a full reimbursement of $50 and still have $25 left to cover another routine exam that year, if needed. This could be especially helpful for kittens, puppies, and senior pets who may have multiple routine exams in a single year.⁶

MetLife Pet does offer other wellness reimbursement options — give us a call to discuss them.

To file a claim, follow the same process to submit a claim as you would with other vet bills covered under your standard plan. The best — and typically easiest — way is logging into the MetLife Pet mobile app or desktop portal, following the steps to upload the required documents, and hitting submit.

Once we’ve received all of the necessary records and invoices, claims are typically processed within 5 days.⁷ You can receive direct payments — through options like Zelle^®8 and PayPal — or a check in the mail for your reimbursements.

Since this plan is an optional add-on, it’s an additional cost on top of your insurance premium. Prices vary by state and other factors, but the money you can save on routine care often outweighs the cost of adding Preventive Care coverage to your pet insurance policy. Find out how much your customized coverage could cost by getting a free quote now in just a few minutes!