MetLife Pet
Accident & Illness
Very flexible accident & illness coverage — deductibles from $0 and limits from $500 to unlimited — with exam fees included.
$$ Mid-rangeAccident & illness
- Reimburses
- 50/70/80/90%
- Annual limit
- Unlimited
- Deductible
- Annual
- Exam fees
- Covered
- Accident wait
- none
- Illness wait
- 14 days
- Deductible
- Annual deductible from $0 to $2,500. It drops $50 for each claim-free year.
- Annual limit
- Annual limits from $500 to $25,000 in $1,000 steps, or unlimited. No per-incident or lifetime limits.
- Exam fees
- Primary, specialty and emergency exams for covered conditions are reimbursed.
- Dental
- New dental injuries and illnesses are covered; routine cleanings need the Preventive Care add-on.
- Alternative therapy
- Physical therapy is a covered treatment.
- Wellness
- Optional Preventive Care add-on for routine visits and cleanings.
- Waiting periods
- Accidents none, illness 14 days.
- Cured pre-existing conditions
- Pre-existing conditions are generally not covered.
- Eligibility
- No maximum enrollment age. Sold in every state.
- Multi-pet discount
- None offered.
- Underwriter
- Metropolitan General Insurance Company
Good to know
- •Deductible from $0, shrinking $50 each claim-free year
- •No upper age restrictions
- •No accident waiting period
- •Exam fees and physical therapy covered
Watch out for
- !Routine care needs the Preventive Care add-on
- !Check whether acupuncture/chiropractic is covered on your state's policy