Hey everyone, I’m hoping this is the right spot to ask about pet insurance. I’m looking for a plan that covers regular wellness exams alongside everything else. I’ve checked out Embrace, but they only reimburse up to $250 a year for wellness. Is there a better option that covers more or even all of it? I have one dog and two cats I’d like to insure.
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We use MetLife, and they don’t have a cap on wellness exams. Ours is $70, and they cover 80% after a $250 deductible. There’s also a $10,000 annual limit. I went with them since neutering costs about $650 around here.
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How’s your experience with MetLife so far?
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It’s hard to say right now since we haven’t needed to use it yet. But the customer service was great when I called. Our first vet visit is coming up on the 28th.
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Hey, I’m considering MetLife for my dog too. Do they have a waiting period?
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Yeah, there’s a two-week waiting period with most companies.
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From what I know, every wellness plan seems to have a cap or a list of allowed expenses. Correct me if I’m wrong, but I haven’t found any that cover everything. You might pay more for better coverage, like ManyPets, which has a $600 allowance but still has limits on each category. Many people end up self-funding their preventive care and just get insurance for major issues. Unless you really maximize the wellness plan, it probably won’t save you much.
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I’m looking at MetLife for my 9-year-old Cairn Terrier. Do they cover pre-existing conditions after the waiting period? I saw they have a 12-year age limit—does that mean they’ll drop you once your dog turns 12, or is that just for new applicants? They seem to be well-rated, but I couldn’t find answers on their site. They only have a phone number, and I prefer email since I’m hard of hearing.