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Does MetLife Pet Insurance Cover Medications and Prescriptions? (2023 Update)

Young woman pet owner signs documents for prescriptions in veterinary clinic

When you’re responsible for another creature’s care, things can quickly get expensive. This is why pet insurance is a great way to protect your pocketbook from unexpected veterinary costs. However, it can be hard to tell which policies will provide the coverage that you need in different situations. Also, you must take into account that your pet will likely need medication at some point in their life, such as antibiotics to fight bacteria, painkillers for chronic pain, insulin to treat diabetes, or a simple shot for allergies.

MetLife Pet Insurance is an insurance provider that does cover prescriptions and drug costs. Pills, injections, liquid medications, and compound drugs, among others, are all reimbursed by this insurance company — as long as they are for coverable conditions.

To help you figure out if a MetLife Pet Insurance policy is right for your needs, we put together this guide. Keep reading to learn more!

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What Is Prescription and Medication Coverage?

Before we get into MetLife’s policy details, it’s important to understand what prescription and medication coverage entails. This type of coverage generally includes drugs and prescriptions associated with a covered accident or illness. Most pet insurance plans cover at least a few medications.

However, preventative medications like flea treatment or vaccinations are only covered if you add a wellness plan to your monthly premium.


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Does MetLife Pet Insurance Provide Coverage for Prescription and Medication Costs?

Yes, MetLife Pet Insurance provides full coverage for prescription and medication costs for all pet insurance plans. You can expect the same coverage no matter which plan you sign up for.

For example, if your dog needs antibiotics to treat an infection or your cat needs a special diet to manage diabetes, MetLife will cover those medications. The policy also covers over-the-counter medications, such as those for allergies, pain, digestion, and other common issues. However, it doesn’t cover vitamins or nutritional and mineral supplements.

Moreover, parasite prevention and treatment are not included in the accident-and-illness plan, but there is an optional preventative care add-on that covers these specific treatments. So, if your dog needs heartworm prevention or your cat needs flea treatment, MetLife will cover those costs if you add Standard Wellness to your plan.

Note that while most pet insurance companies cover prescription and medication costs, it’s always important to double-check that your plan includes that benefit. If it doesn’t, you’ll want to find a different company.

 

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What’s Covered by MetLife Pet Insurance?

MetLife’s basic coverage for pets covers medical expenses related to accidents and illnesses, including:

  • Accidents
  • Illnesses (including chronic illnesses and cancer)
  • Hereditary conditions
  • Hospitalizations
  • Surgeries
  • Diagnostic tests
  • Exam fees
  • X-rays
  • Ultrasounds
  • Medications
  • Prescription food
  • Holistic care and alternative therapies
  • Emergency care
  • Grief counseling

You can also add an optional preventive care package (Standard Wellness). This helps reduce costs associated with routine care, such as dental cleaning, vaccinations, flea and heartworm prevention, and wellness exams.

What’s Not Covered

Like all other pet insurance companies, there are exclusions to MetLife coverage:

  • Pre-existing conditions
  • Elective procedure (like declawing)
  • Grooming costs
  • Removal of anal glands
  • Breeding and breeding-related conditions
  • Vitamins and mineral supplements
  • Organ transplants
  • Illness or injury that arises out of commercial guarding, coursing, organized fighting, or racing
Pet insurance
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How Much Does MetLife Pet Insurance Cover?

MetLife Pet Insurance provides a range of plans with different levels of coverage. The company offers both short-term and long-term pet insurance plans. But regardless of which one you get, all MetLife plans cover the costs of medications and prescription drugs.

The specific costs vary based on which MetLife plan you choose. You can customize your plan for different levels of annual benefits, deductibles, and reimbursement when selecting your policy, based on the following options:

  • Maximum Annual Coverage: $2,000, $5,000, $10,000
  • Reimbursement: 70%, 80%, 90%
  • Deductible: $50, $100, $250, $500

Here are examples of monthly premiums for a mixed breed dog and cat:

Samples of Prices for Dog or Cat:

Accident & Illness Plan Mixed Breed Dog Mixed Breed Cat
Male or Female  Female Female
Age 3 Years 3 Years
Reimbursement Level New York (10005) New York (10005)
Annual Deductible $500 $500
Annual Benefit $5,000 $5,000
Monthly Premium $36.23 $24.13
Add-ons
Preventive Care Standard Wellness Standard Wellness
Total Monthly Rate
(Accident & Illness + Wellness) $63.63 $36.61
labrador puppy having medication
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Is There a Catch to MetLife’s Prescription and Medication Coverage?

Thankfully, there’s no catch to MetLife’s prescription and medication coverage. All plans provide coverage for the conditions included in the insurance policy, but you may have to pay a high amount, depending on the reimbursement level, deductible, and annual coverage limit that you have chosen. Also, keep in mind that MetLife will only cover medication that your veterinarian prescribes. If you want to switch your pet to another medication, you’ll have to visit your vet again and get a new prescription.

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Final Thoughts

When you’re considering pet insurance plans, it’s important to understand the coverage that each company offers. In the case of MetLife, you can expect coverage for prescription and medication costs. That’s great news if you’re worried about the cost of taking care of your pet.

That said, it’s best to request a free quote before choosing MetLife as your pet insurance provider, as pricing options vary greatly depending on your location, your pet’s breed, age, etc. Then you should compare this quote with other pet insurance companies to determine which plan is best for you and your beloved pet!


Featured Image Credit: Vladeep, Shutterstock

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