MetLife
Accident & Illness
Dogs & catsAccident + illness
Plan facts read from the provider's official pages; last reviewed 2026-07-11. Facts vary by state, pet age, and breed — confirm every detail on the official policy documents before purchasing.
Coverage terms
- Region availability
- Not available
- Annual limit options
- $500–$25,000 in $1,000 increments, or unlimited
Costs
- Reimbursement options
- 50% / 70% / 80% / 90% of covered costs
- Deductible options
- $0–$750 in $50 increments; also $1,000 / $1,250 / $1,500 / $2,000 / $2,500
Waiting periods
- Accident
- None — accident coverage starts at midnight after enrollment
- Illness
- 14 days after enrollment
- Orthopedic
- Not available
Eligibility
- 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
Exclusions
- Exclusions summary
- Microchipping, grooming, obedience training, elective or cosmetic procedures, breeding, non-prescription food
Source
Official provider page: metlifepetinsurance.com · last reviewed 2026-07-11