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Coverage & Exclusions

COVERAGE

Coverage and Exclusions

MetLife Pet Insurance can help you cover costs related to new injuries and illnesses over the life of your pet. Our optional Preventive Care plan can be added to your standard coverage for reimbursements on routine and wellness care.

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or call 855-270-7387

What’s Covered Under a Standard Plan?

MetLife Pet's standard plan can help you cover accidents and illnesses that first occur during your coverage term. We strive to offer comprehensive coverage with minimal exclusions. We want you to have an understanding of what is and isn’t covered, to lessen surprises when it comes time to process your claim.

Accidents and Injuries

Hospitalizations and emergency care
Cruciate ligaments, including anterior (ACL), medial (MCL), cranial (CCL), and posterior (PCL)
Foreign body ingestion
Poisoning/toxicity
Bites, wounds, and lacerations
Broken bones and trauma

Illnesses and Conditions

Hereditary, congenital, and chronic conditions
Periodontal disease
Infections and digestive upsets
Diabetes, arthritis, and cancer
Pregnancy¹ (for mother only)
Heart, kidney, liver, thyroid disease, etc.

Procedures

Surgeries
Routine complications
Endodontics (root canal) and orthodontics (braces)
Removal of deciduous teeth¹

Diagnostics

Diagnostic tests
Blood work
X-Rays
Ultrasounds
MRIs
Urinalysis
Exam fees

Prescriptions and Treatment

Vet-prescribed pet foods
Medications, including allergy and anxiety
Anal gland expression
Preventative treatment¹
Medicated baths¹
Treatment of heartworm, parasites, and Lyme disease
Outpatient treatments

Supportive Care

Prescribed holistic care (herbal remedies, aromatherapy, and CBD oil)
Alternative therapies (chiropractic, acupuncture, hydrotherapy, etc.)
Boarding fees (while you’re hospitalized)
Burial and/or cremation (including grief counseling²)

Add-On

What's Covered Under the Preventive Care Add-On?

The optional Preventive Care plan provides additional coverage to your standard policy for wellness and routine costs. Depending on the plan you choose, you may be able to get coverage for:

Parasites, heartworm, and Lyme prevention
Vaccines
Teeth cleaning
Supplements and vitamins^1,4
Nail trim¹
Genetic testing³ (only if purchased through a vet)
Microchipping⁵
Radiograph screenings³
Tail docking^1,4
EKG³
Spay/neuter
Behavior training⁴
Gastropexy³
Anal gland expression⁴
Deworming⁵
Health/travel certificates⁵

NOT COVERED

What's Not Covered Under MetLife Pet Insurance

To help make insurance premiums more financially accessible for all pet parents, there are some exclusions — as with every pet insurance company.

Breeding or conditions related to breeding
Obedience training
Grooming costs and routine nail trims
Non-prescription food
Organ transplants
Illness or injury that arises from racing, coursing, commercial guarding, law enforcement, or organized fighting
Elective surgeries
Cosmetic or aesthetic procedures

See the Potential Savings With MetLife Pet Insurance⁶

Skin Allergies
Growth or Tumor
Heart Disease
Diabetes

You Would Pay

$250

MetLife Pet Would Cover

$2,250

Total Vet Bill

$2,500⁷

You Would Pay

$250

MetLife Pet Would Cover

$2,250

Total Vet Bill

$2,500⁷

Protect Your Pet

Pre-existing conditions may not be covered

Typically, pet insurance companies don’t fully cover pre-existing conditions. These are generally illnesses, injuries, or symptoms that occurred prior to the coverage date and/or any applicable waiting period.

However, MetLife Pet may actually cover certain pre-existing conditions when you switch from another provider to a group policy with MetLife Pet. These include conditions that were covered by a previous insurance provider.⁹ Learn more about pre-existing conditions and reference your policy for full details.

How To Create a Plan To Fit Your Budget

Get a quote in a few simple steps, then customize your plan by adjusting your reimbursement rate or your deductible amount. For more customization options, contact us at 888-486-7379.

Annual benefit limit¹⁰

The maximum dollar amount you can be reimbursed per policy year. Select a lower limit for a typically lower monthly premium.

Reimbursement rate¹¹

The percentage of your vet bill reimbursed by MetLife Pet. Go for a higher rate if you want more cash back on covered, approved claims. Note that the premium may increase if you select a higher reimbursement rate.

Deductible¹²

The amount of money you must pay before MetLife Pet will pay a claim. Choose a high deductible for a typically lower monthly premium.

Get Covered

It's no secret that caring for your pet can be expensive, with normal yearly pet care costs coming in around $760 – $3,495 for cats and $1,390 – $5,295 for dogs.^13,14 One way to help offset some of these costs is by purchasing a policy from award-winning¹⁵ MetLife Pet. See if it’s right for you and your pet by getting a personalized quote today.

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What are you looking for?

**As with any insurance policy, coverage may vary. Review our coverage and exclusions.

¹ Covered only if related to an illness, injury, or medically necessary

² 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 in all states.

³ Covered only if recommended by a vet for illness, injury, or prevention. Not coverable under the Scheduled Wellness plans.

⁴ Covered only if recommended by a vet for illness, injury, or prevention.

⁵ Not coverable under the Standard Wellness plan.

⁶ 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.

⁷ “How Much Does a Vet Visit Cost? (2025 Pricing),” MarketWatch, 2025, https://www.marketwatch.com/insurance-services/pet-insurance/how-much-does-a-vet-visit-cost/

⁸ “The cost of common dog and cat emergencies,” Betterpet, 2025, https://www.betterpet.com/learn/cost-guide-to-emergency-pet-care

⁹ Pre-existing coverage only available to individuals with active pet insurance coverage that have purchased MetLife Pet Insurance as part of an employer group benefit offering

¹⁰ Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions apply.

¹¹ Reimbursement options include: 50%, 70%, 80% and 90%. Restrictions apply.

¹² Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions apply.

¹³ “The Cost of Cat Parenthood in 2025,” Rover, 2025, https://www.rover.com/blog/cost-of-cat-parenthood/

¹⁴ “The Cost of Dog Parenthood in 2025,” Rover, 2025, https://www.rover.com/blog/cost-of-dog-parenthood/

¹⁵ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

¹⁶ Coverage options may be limited for certain ages.

¹⁷ Your policy deductible decreases by $50 each policy year that you don’t receive a claim reimbursement. Deductible reverts on renewal if claim reimbursement for claims other than preventive care have been made. Restrictions apply.

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. 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).

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Coverage and Exclusions