MetLife — Accident & Illness

Plan facts

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.