What Does MetLife Pet Insurance Cover for Your Pet

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MetLife Pet Insurance offers a range of coverage options to suit your pet's needs. With MetLife, you can choose from different plan levels, including the Essential, Premier, and Ultimate plans, which provide varying levels of coverage.

The Essential plan covers accidents and illnesses, including injuries, infections, and conditions such as hip dysplasia and cruciate ligament tears. This plan also includes coverage for wellness care, including annual check-ups and vaccinations.

The Premier plan offers more comprehensive coverage, including coverage for hereditary conditions, such as hip dysplasia and patellar luxation, as well as coverage for chronic conditions, such as arthritis and allergies. This plan also includes coverage for alternative therapies, such as acupuncture and chiropractic care.

The Ultimate plan provides the most comprehensive coverage, including coverage for all the conditions covered under the Premier plan, as well as coverage for cancer treatment and surgery. This plan also includes coverage for hospice care and end-of-life expenses.

What's Covered

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MetLife pet insurance provides a wide range of coverage options for your furry friends.

Accidental injuries and illnesses are covered, including exam fees, surgeries, medications, ultrasounds, hospital stays, X-rays, and diagnostic tests. Hip dysplasia, hereditary conditions, congenital conditions, chronic conditions, alternative therapies, and holistic care are also included.

You can expect to be reimbursed for a variety of wellness issues with optional Preventive Care coverage. This includes flea, tick, and heartworm medication, as well as vaccinations, teeth cleaning, and wellness exams.

Some other examples of what's covered under Preventive Care include blood panel, FeVI test, fecal test, heartworm test, and health certificate. These services can help keep your pet healthy and prevent costly medical issues down the line.

Here's a breakdown of some of the key services covered under MetLife pet insurance:

  • Accidental injuries
  • Illnesses
  • Exam fees
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays and diagnostic tests
  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Flea, tick, and heartworm medication
  • Spray or neuter
  • Microchip
  • Vaccinations
  • Teeth cleaning
  • Wellness exams
  • Blood panel
  • FeVI test
  • Fecal test
  • Heartworm test
  • Health certificate

Preventive Care

Preventive Care is an optional coverage that can be added to your MetLife Pet Insurance policy. This coverage helps you save money on routine vet care expenses.

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With Preventive Care, you can get reimbursed for a variety of wellness issues, including flea, tick, and heartworm medication, vaccinations, and microchipping. These are just a few examples of what's commonly covered.

Here are some of the specific services that are covered under Preventive Care:

  • Flea, tick, and heartworm medication
  • Spray or neuter
  • Microchip
  • Vaccinations
  • Teeth cleaning
  • Wellness exams
  • Blood panel
  • FeVI test
  • Fecal test
  • Heartworm test
  • Health certificate

By adding Preventive Care to your policy, you can save on vet bills you're already paying.

Basic Protection

The Basic Protection plan from MetLife Pet is a great starting point for pet parents who want to cover their furry friends' medical expenses. It offers a balance between monthly premiums and lower out-of-pocket costs.

This plan is ideal for pet parents with young, healthy pets or those who have savings available to cover any costs that exceed the annual limit.

The Basic Protection plan has a $250 deductible and a $2,000 annual benefit, which means you'll be reimbursed up to 80% of covered expenses.

Here's a quick breakdown of the plan's key features:

Overall, the Basic Protection plan is a great option for pet parents who want to start covering their pet's medical expenses without breaking the bank.

Preventive Care Add-On

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Preventive Care Add-On is a great way to save on vet bills you're already paying. You can get reimbursed for routine wellness expenses for your dogs and cats.

Adding this coverage to your premium means you can get reimbursed for a variety of expenses all year long. This includes dental cleaning and care, vaccinations, and spay and neuter procedures.

Some common expenses covered by the Preventive Care Add-On include flea, tick, and heartworm prevention, supplements and vitamins, and anal gland expression. These are all routine expenses that can add up over time.

Here's a breakdown of some common expenses covered by the Preventive Care Add-On:

  • Dental cleaning and care
  • Vaccinations
  • Spay and neuter
  • Flea, tick, and heartworm prevention
  • Supplements and vitamins
  • Anal gland expression

This can be a huge help in reducing your overall pet care costs, and it's definitely worth considering if you're looking for ways to save.

Insurance Details

MetLife pet insurance provides comprehensive coverage for your furry friend. It covers accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, X-rays, and diagnostic tests.

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Some of the specific conditions covered by MetLife pet insurance include hip dysplasia, hereditary conditions, congenital conditions, chronic conditions, and alternative therapies. These coverages offer peace of mind for pet owners.

Here's a breakdown of some of the key conditions and situations covered by MetLife pet insurance:

Insurance Coverage

MetLife pet insurance coverage is quite comprehensive, covering a wide range of medical issues.

Accidental injuries, illnesses, and exam fees are all included in their standard coverage. They also cover surgeries, medications, ultrasounds, hospital stays, and diagnostic tests like X-rays.

Preventive care is also an option, covering regular wellness visits, vaccinations, and certain medications like flea, tick, and heartworm medication. You can even get reimbursed for things like teeth cleaning and blood panel tests.

If you're concerned about your pet's chronic conditions, hip dysplasia, hereditary conditions, or congenital conditions, MetLife's got you covered.

Optional Preventive Care coverage can be added for an additional cost, and it includes a range of wellness issues, from flea and tick medication to heartworm tests.

Here's a breakdown of some of the specific conditions and treatments covered by MetLife's insurance:

  • Accidental injuries
  • Illnesses
  • Exam fees
  • Surgeries
  • Medications
  • Ultrasounds
  • Hospital stays
  • X-rays and diagnostic tests
  • Hip dysplasia
  • Hereditary conditions
  • Congenital conditions
  • Chronic conditions
  • Alternative therapies
  • Holistic care
  • Broken Bone
  • Severe Trauma
  • Poisoning
  • Cruciate Ligament Tear
  • Flea, tick, and heartworm medication
  • Spray or neuter
  • Microchip
  • Vaccinations
  • Teeth cleaning
  • Wellness exams
  • Blood panel
  • FeVI test
  • Fecal test
  • Heartworm test
  • Health certificate

Reimbursement Rate

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MetLife Pet offers a high reimbursement rate, as evidenced by a customer's experience where they were paid nearly all of their $5,000 vet bill after submitting a claim online.

The reimbursement rate is a percentage of your vet bill that MetLife Pet reimburses, with higher rates available but potentially increasing premiums.

For example, a customer chose a higher reimbursement rate, which resulted in more cash back on covered claims, although the premium may have increased as a result.

Does Cover Exotic?

MetLife Pet Insurance covers exotic pets, making them one of the only providers to do so. They welcome reptiles, rabbits, ferrets, and birds into their coverage.

You can check if they cover your unique companion by calling them at (866) 937-7387.

Financial Protection

Financial Protection is a top priority for many pet parents, and MetLife Pet Insurance offers a range of plans to suit different budgets and needs.

The Basic Protection plan is a great option for those just starting out, offering a balance between monthly premiums and lower out-of-pocket costs.

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This plan provides an 80% reimbursement rate, which means you'll pay only 20% of the veterinary bills.

The annual benefit is $2,000, and you'll need to meet a $250 deductible before coverage kicks in.

With the Basic Protection plan, you'll have peace of mind knowing that you're covered for unexpected vet visits.

Here's a breakdown of the key features of the Basic Protection plan:

This plan is ideal for pet parents with young, healthy pets or those who have savings available to cover any costs that exceed the annual limit.

Plan Features

MetLife Pet Insurance offers a range of plan features that cater to different pet owners' needs. Here are some of the key features you can expect from their plans.

Flexible insurance plans are available, allowing you to choose a plan that suits your budget and your pet's requirements. MetLife Pet Insurance also offers the freedom to visit any U.S. veterinarian and be reimbursed up to 90% of the cost of services.

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Optional Preventive Care coverage is available, which can help you save money on wellness issues such as flea, tick, and heartworm medication, vaccinations, and teeth cleaning. With Preventive Care coverage, you can be reimbursed for a variety of wellness issues, from regular wellness visits to certain medications.

MetLife Pet Insurance provides coverage for accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, X-rays, and diagnostic tests. They also cover hip dysplasia, hereditary conditions, congenital conditions, chronic conditions, alternative therapies, and holistic care.

You can add up to three dogs and cats to a single policy, with a shared deductible and annual limit. This can help you save money and simplify your pet insurance coverage.

Here are some of the benefits of MetLife's Multiple Pet coverage:

  • Shared deductible: add up to three (3) dogs and cats onto the same policy, and hit your deductible faster.
  • Combine cats & dogs: there’s no need for multiple plans. Group your dogs and cats together for simplicity.
  • Flexible coverage: a shared annual limit means if one pet needs more coverage, you can allocate more of the limit to them, while still protecting your other pets.

Pet Insurance Plans

Pet insurance plans are designed to provide financial protection for unexpected vet bills.

The most popular plan offers an 80% reimbursement rate, which can help reduce the financial burden of caring for your pet.

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This plan also comes with a $5,000 annual benefit, providing a significant safety net in case of unexpected illnesses or accidents.

The annual deductible for this plan is a manageable $250.

This plan is ideal for pet parents who want to protect themselves from thousands of dollars in vet bills.

Frequently Asked Questions

Do all vets accept MetLife Pet Insurance?

MetLife Pet Insurance policies are accepted at any licensed vet across the U.S., giving you flexibility when seeking care for your pet

What does pet insurance cover you for?

Pet insurance typically covers the cost of veterinary care, including diagnoses, treatments, and surgeries for illnesses and injuries. This can include consultations, medication, hospitalization, and more.

Which of the following would not be covered under pet insurance?

Pet insurance typically does not cover pre-existing conditions, including accidents or illnesses that occur within a 5-14 day waiting period after policy purchase. This means conditions that existed before buying insurance or develop shortly after may not be covered.

Vanessa Schmidt

Lead Writer

Vanessa Schmidt is a seasoned writer with a passion for crafting informative and engaging content. With a keen eye for detail and a knack for research, she has established herself as a trusted voice in the world of personal finance. Her expertise has led to the creation of articles on a wide range of topics, including Wells Fargo credit card information, where she provides readers with valuable insights and practical advice.

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