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Fact	No photo yet MetLife — Accident & Illness Remove
Brand	MetLife
Type	Insurance
For	Cat, Dog
Coverage	Accident and illness
What's covered	Eligible diagnostics, surgery, hospitalization, emergency care, specialist care, and rehabilitation can be covered.
Exclusions	Microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, non-prescription food
Reimbursement	50% / 70% / 80% / 90% of covered costs
How reimbursement is worked out	The annual deductible is applied first, then the selected reimbursement percentage is applied to eligible expenses.
Deductible	$0–$750 in $50 increments; also $1,000 / $1,250 / $1,500 / $2,000 / $2,500
How the deductible works	Annual deductible; met once during the policy year.
Annual limit	$500–$25,000 in $1,000 increments, or unlimited
Payout limit	Selected annual benefit limit, with an unlimited annual option available.
Waiting period: accidents	None — accident coverage starts at midnight after enrollment
Waiting period: illnesses	14 days after enrollment
Pre-existing conditions	Typically not covered; previously covered conditions may carry over when switching through an employer plan
Hereditary and congenital conditions	Hereditary and congenital conditions can be covered when eligible and not pre-existing.
Dental	Eligible dental illnesses and injuries can be covered; routine dental care requires applicable preventive coverage.
Exam fees	Veterinary exam fees for eligible covered conditions can be covered, subject to the policy.
Prescriptions	Prescription medications for eligible covered conditions can be covered.
Preventive care	Optional preventive-care coverage is available for eligible routine services.
Enrollment age	No upper age restrictions
Medical exam to enroll	Veterinary records are not required to enroll; up to 12 months of records may be requested with the first claim.
Which vets	Use any licensed veterinarian in the United States; there is no provider network.
Paying the vet	Direct payment to the veterinarian is not offered; the policyholder pays first and receives reimbursement.
Claims	Submit the claim and veterinary invoice through the app or online account; most complete claims are processed within about 5 days.
Renewal	Policies renew automatically unless cancelled; pricing and terms can change at renewal.
Where it's offered	Availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.
Checked against the source	July 23, 2026

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