Pet Insurance Plan Comparison

Insurance plan comparison

Select up to 3 plans, then compare plan facts.

This tool places plan facts side by side — coverage shape, reimbursement, deductibles, waiting periods, and exclusions. iPickPet does not rank or score insurance plans and does not sell insurance. Plans are shown in the order you select them.

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Plan facts	MetLife Accident & Illness Dogs & cats · Accident + illness
Region availability	Availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.
Reimbursement	50% / 70% / 80% / 90% of covered costs
Deductible	$0–$750 in $50 increments; also $1,000 / $1,250 / $1,500 / $2,000 / $2,500
Annual limit	$500–$25,000 in $1,000 increments, or unlimited
Accident waiting period	None — accident coverage starts at midnight after enrollment
Illness waiting period	14 days after enrollment
Orthopedic waiting period	Not available
Pre-existing conditions	Typically not covered; previously covered conditions may carry over when switching through an employer plan
Enrollment age limits	No upper age restrictions
Key exclusions	Microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, non-prescription food
Source	Official plan page, reviewed 2026-07-23

Plan facts change over time and vary by state, pet age, and breed. Confirm every detail on the provider's official policy documents before purchasing, and ask your veterinarian which coverage questions matter for your pet's existing conditions. Insurance facts are kept separate from food and supplement data and never influence nutrition comparisons.

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Plan facts

MetLife

Accident & Illness

Dogs & cats · Accident + illness

Region availability

Availability, benefits, and policy terms vary by state; confirm eligibility in the current quote and policy.

Reimbursement

50% / 70% / 80% / 90% of covered costs

Deductible

$0–$750 in $50 increments; also $1,000 / $1,250 / $1,500 / $2,000 / $2,500

Annual limit

$500–$25,000 in $1,000 increments, or unlimited

Accident waiting period

None — accident coverage starts at midnight after enrollment

Illness waiting period

14 days after enrollment

Orthopedic waiting period

Not available

Pre-existing conditions

Typically not covered; previously covered conditions may carry over when switching through an employer plan

Enrollment age limits

No upper age restrictions

Key exclusions

Microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, non-prescription food

Source

Official plan page, reviewed 2026-07-23