Is MetLife Pet Insurance same day?
MetLife Pet offers a 0-day waiting period on accidents and our optional preventative care plan. That's virtually same-day pet insurance coverage! When you enroll, your benefits begin at midnight.
MetLife Pet Insurance1 provides among the shortest wait periods for accident and illness coverage. Accident coverage and optional Preventive Care coverage begin on the effective date of your policy. Illness coverage begins 14 days later.
The typical waiting period is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.
The lifetime individual maximum is $1,000 with a 12 month waiting period.
Submit your claim via mobile app, our online portal, email, fax or mail. Make a copy of your paperwork to keep on file. That's it! Remember to submit your claim within 90 days of your pet's vet visit, and you'll receive reimbursem*nt by check or direct deposit — most claims are processed within 10 days.
Waiting periods can vary between providers. MetLife Pet offers a 0-day waiting period on accidents and our optional preventive care plan, and a 14-day waiting period on illnesses.
MetLife Pet Insurance has the shortest waiting period for accidents, with coverage going into effect at midnight on the day you purchase the plan (read more in our MetLife pet insurance review). Figo Pet Insurance also has a very short wait time for accident coverage.
MetLife Pet Insurance provides among the shortest wait periods for accident and illness coverage. Accident coverage and wellness coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.
Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type.
Pets Best o ers some of the shortest waiting periods in the industry: just 3 days following the policy start date for accidents, 14 days for illnesses, and 6 months for cruciate ligament events and any related conditions. Routine care plans can be used the day after your policy start date.
Does MetLife pet insurance require an exam?
Unique features: Offers coverage of previously covered pre-existing conditions when switching providers. No initial exam or previous vet records to apply. Competitive rates and discounts: Offers a wide range of discounts4, healthy pet incentive5, and is the only provider offering family plans.
With MetLife's Health Screening Benefit, available with critical illness insurance (CII), you'll receive $50 each year you take one of the covered screenings or tests.
MetLife Insurance Denial Reasons
You failed to disclose a pre-existing health condition. Your medical examinations were insufficient or inadequate. There were problems with your paperwork or documentation.
MetLife doesn't offer an accident-only plan or the option to have the company pay your vet directly. Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.
How Much Does MetLife Pet Insurance Cost? Your monthly premium will vary based on factors such as your pet's age, species and breed as well as your location and any selected customizations. MetLife premiums average $25 to $40 per month for dogs and $15 to $30 for cats.
MetLife Pet Can Help With Routine and Unexpected Costs
Our preventative care plan add-on enhances our standard plan with coverage for your pet's routine care. In addition to spay and neuter procedures, some of the things we can typically cover under this optional plan include: Teeth cleaning. Vaccinations.
Most pet insurance companies have waiting periods, but the best ones don't make you wait long. For example, MetLife's accident coverage begins immediately, and illness coverage starts after 14 days. One of the only pet insurance companies without a waiting period is Companion Protect.
- ManyPets: Cheapest pet insurance for cats.
- Lemonade: Cheapest pet insurance for dogs.
- ASPCA Pet Health Insurance: Our pick for older pets.
- AKC Pet Insurance: Our pick for breeders.
- Healthy Paws: Most affordable unlimited coverage.
Figo's claims experts will review your pet's medical records and veterinary visit notes to determine whether the condition is eligible for coverage. In some cases, the company may consider the condition a symptom of a larger pre-existing issue, such as undiagnosed allergies or a gastrointestinal disorder.
A pet insurance deductible is the amount you pay for veterinary expenses before your pet insurance starts paying for covered care. The lower your deductible, the less you'll have to pay out of pocket per claim, but you'll also pay a higher insurance premium.
Is MetLife worth it?
MetLife is a reputable insurance company that has an A+ (Superior) rating from AM Best, one of the nation's leading insurance-rating organizations, as well as solid scores from S&P and Moody's. The good scores are a reflection of MetLife's financial strength and claims-paying ability.
MetLife Pet is the policy administrator. It may operate under an alternate or fictitious name in certain jurisdictions, including MetLife Pet Insurance Services LLC (New York and Minnesota), and MetLife Pet Insurance Solutions Agency LLC (Illinois).
At MetLife1, our dog insurance plans may offer end-of-life care benefits like euthanasia, cremation, and burial benefits that could help offset the costs of your companion's death.
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.
An illness or injury experienced before enrollment in a health insurance plan may be considered a pre-existing condition. Pre-existing conditions can include health issues such as cancer, diabetes, lupus, depression, acne, pregnancy, or just about any other health condition you can imagine.
