What Does MetLife Pet Insurance Cover?

MetLife Pet Insurance offers a variety of plans to fit the individual needs of your pet. Whether you have a dog, cat, or even an exotic animal, MetLife has a plan that can help you cover the cost of unexpected veterinary expenses.

Covered Expenses

MetLife Pet Insurance covers a wide range of expenses, including:

1. Accidents: If your pet is injured in an accident, MetLife will cover the cost of veterinary care, including surgery, hospitalization, and medication.

2. Illnesses: MetLife will also cover the cost of veterinary care for illnesses, such as cancer, diabetes, and heart disease.

3. Dental: MetLife's pet insurance plans also include coverage for dental care, such as cleanings, extractions, and root canals.

4. Prescription drugs: MetLife will also cover the cost of prescription drugs that are prescribed by your veterinarian.

5. Alternative therapies: Some MetLife pet insurance plans also offer coverage for alternative therapies, such as acupuncture, chiropractic care, and hydrotherapy.

Exclusions

There are a few exclusions to MetLife's pet insurance coverage, including:

1. Pre-existing conditions: MetLife will not cover the cost of veterinary care for pre-existing conditions. A pre-existing condition is any condition that was diagnosed or treated before your pet's policy start date.

2. Cosmetic procedures: MetLife will not cover the cost of cosmetic procedures, such as tail docking and ear cropping.

3. Experimental treatments: MetLife will not cover the cost of experimental treatments. An experimental treatment is any treatment that has not been approved by the FDA.

Limits and Deductibles

MetLife pet insurance plans have limits and deductibles. A limit is the maximum amount that MetLife will pay for a covered expense. A deductible is the amount that you must pay out of pocket before MetLife will start to cover your pet's veterinary expenses.

The limits and deductibles for MetLife pet insurance plans vary depending on the plan that you choose.

How to File a Claim

To file a claim with MetLife Pet Insurance, you must first submit a claim form to MetLife. You can download a claim form from MetLife's website or you can request a claim form by calling MetLife's customer service department.

Once you have completed the claim form, you must submit it to MetLife along with the following documentation:

1. A copy of your pet's veterinary records

2. A copy of your pet's vaccination records

3. A copy of your pet's microchip information (if applicable)

4. A copy of your pet's license (if applicable)

MetLife will review your claim and make a decision within 10 business days.