| Policy Term |
Not clear |
| Effective Date |
The Effective Date will be listed on the
Declarations Page of your policy after you apply and are accepted. |
| Enrollment Age |
No age limits |
| Cancellation Policy |
Ask for a current copy of their insurance policy so that you may review their cancellation policy |
| Waiting Period |
14 days for illness.
Accident coverage on midnight EST of the effective day of your policy.
For policies underwritten by Independence American Insurance Company:
6 months for Intervertebral Disk Disease.
6 months for cruciate ligament conditions.
**Waiting Periods can vary by state. See actual policy or contact MetLife to confirm the waiting periods for your state.
|
| Waiting Period for Cruciate Injury |
For policies underwritten by Independence American Insurance Company:
6 months for cruciate ligament conditions.
**Waiting Periods can vary by state. See actual policy or contact MetLife to confirm the waiting periods for your state. |
| Coverage When Travel Out of State or
Country? |
You may visit any licensed veterinarian in the US |
| Can the Price of the Policy Increase as my Pet Ages? |
Yes, the policy premium can increase as your
pet ages. The premium may also increase due to inflation or other reasons.
Contact MetLife for more information on when and by how much your premium may increase. |
| Does Coverage Stop Due to Age? |
Not Clear |
| What Happens when the Policy Renews? |
Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout.
(See 'Max Payout' section below) |
| Can the Price of the Policy Increase
if a Claim is Filed? |
Not Clear |
| Choice of Vet? |
You can choose any licensed veterinarian in the US |
| Money Back Guarantee? |
Not Clear
|
| Surcharge for Visiting a Specialist or Emergency
Clinic? |
No |
| Referral needed to Visit a Specialist? |
No |
| Pre-certification Required? |
No |
| Additional Requirements |
**See actual policy or contact MetLife for a
complete list of the requirements you are expected to adhere to in
order to maintain coverage. |
| Pet Insurance Policy Available for Pre-Purchase
Review? |
Sample policy NOT available online |
| Species Covered |
Dogs and Cats |
Accident/Injury -
Baseline Coverage |
Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
|
Illness -
Baseline Coverage |
Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medications.
|
| Behavioral Therapy Coverage |
Not Clear
|
| Alternative Therapy Coverage |
[NOT CLEAR] According to their website, "MetLife Pet Insurance can potentially provide reimbursement for holistic or alternative therapies such as acupuncture, acupressure, laser therapy, hydrotherapy, chiropractic care and more, as long as it is performed by a licensed veterinarian and is approved and covered by the policy"
[What does "can potentially" mean? When could it "potentially" not be covered?]
|
| Pre-existing Conditions Policy |
Pre-existing conditions are not covered.
According to their website, "Pre-existing conditions include conditions, illnesses, injuries or symptoms that manifested prior to the coverage date and/or any applicable waiting period."
**See actual policy or call MetLife for complete description of their pre-existing
conditions policy. |
| Hereditary & Congenital Conditions Coverage |
[INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
These conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Continual Coverage for Chronic Conditions
|
[INCLUDED] Continual coverage for chronic conditions
is included with the policy.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Chronic Conditions Policy |
Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Chronic conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Cancer Coverage |
[INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
|
| Cancer Coverage Limits |
Cancer conditions are covered up to the Maximum Payout.
(See 'Max Payout' section below) |
| Hip Dysplasia |
[NOT CLEAR]
According to their website, "...our policies may cover surgical and alternative therapies [for hip dysplasia] for your dog"
[What does "may" mean? Under what conditions specifically "may" it not be covered?]
|
| Prescription Drug Coverage |
[INCLUDED]
**See actual policy or call MetLife for full list of inclusions
and exclusions
|
| Pregnancy Coverage |
[NO]
|
| Routine/Wellness Coverage |
[OPTIONAL]
Routine/Wellness Coverage is available for an additional fee.
**See actual policy or contact the company for a complete description of their Wellness Coverage |
| Vaccinations |
[OPTIONAL] - See Routine/Wellness Coverage above for details |
| Spay/Neuter |
[OPTIONAL] - See Routine/Wellness Coverage above for details |
| Dental Care (Routine) |
[OPTIONAL] - See Routine/Wellness Coverage above for details
|
| Dental Care (Illness/Accident) |
[NOT CLEAR]
According to their website,"...you may be reimbursed for dental issues resulting from accidental illness and disease"
[What does "may" mean? Under what conditions specifically "may" it not be covered?"]
**See actual policy or contact MetLife for full list of inclusions and exclusions. |
| Bilateral Conditions Policy |
[NOT CLEAR]
According to their website, "MetLife Pet Insurance can potentially provide coverage for bilateral conditions"
[What does "can potentially" mean? When specifically could it "potentially" not be covered?]
Another section of their website states "Provided all terms of the policy are met, MetLife Pet Insurance may cover bilateral conditions that are diagnosed after policy coverage begins."
[What does "may" mean? It what situations "may" it not be covered?"]
**Contact MetLife for a list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
|
Coverage - Overview
(please
read policy for full coverage details) |
Diagnostics and treatments due to illness and accidents
[Included] Cancer, Prescription Medications, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)
[Optional] Routine/Wellness Care (Refer to each category's section for limitations)
**See actual policy or call MetLife for full list of inclusions, exclusions, limitations and conditions.
|
What's not Covered - Overview
(partial listing, please read policy
for full details) |
- Pre-existing conditions
- Conditions that occur during the waiting period
- Boarding, grooming and grooming supplies
- Costs from breeding or pregnancy
- Organ Transplants
...See policy for a complete listing |
| Reimbursement |
Choose from 70%, 80%, 90% and 100%
There is also a 50% option for policies underwritten by Metropolitan General Insurance Company and a 65% option for policies underwritten by Independence American Insurance Company.
|
| Deductible |
Annual Deductible
Depending on the state you live in, deductible options range include: $0−$750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. |
| Flat Deductible vs % Deductible |
Flat |
| Deductible Per Incident vs Annual Deductible |
Annual |
| How is Reimbursement Determined |
It is not clear whether reimbursements are based on UCR or Actual Vet Bill.
Reimbursements are calculated by subtracting the deductible before applying the reimbursement percentage.
|
| Max Payout Annually |
Depending on the state you live in, the maximum annual payout options range from $1,000−$25,000 in $1,000 increments. In addition, there is also a $500 annual limit option for Metropolitan General Insurance Company underwritten policies.
There is an Unlimited option that is subject to availability. |
| Max Lifetime Payout |
This plan does not have a maximum lifetime payout |
| Max Payout per Incident |
This plan does not have a maximum payout per
incident. |
| Max Payout Based on Body System |
This plan does not have a maximum payout based
on body system |
| Client Reimbursed or Vet Paid Directly |
You pay the veterinarian and then you are reimbursed
after you file the claim. |