MetLife FAQs

Ready to roam? Unleash the power of pet insurance. MetLife Pet Insurance can not only help cover the costs of unexpected accidents and illnesses, but also things like routine care. Help protect their health and your wallet. You asked. Why sign up for pet insurance? Find out with some FAQs. We answered. What is pet insurance? How does MetLife Pet Insurance work? A. Similar to how other types of insurance A. Our process is simple and straightforward. work, such as health insurance for you Take your pet to the vet and pay the bill, then send and your family, pet insurance is coverage for your claim documents to us. You can file by using our dogs and cats that can help you be prepared for mobile app, online portal, email, fax or mail. Most unexpected vet costs and routine care. claims are processed within 5 days. Then, you’ll receive reimbursement1 by check or direct deposit if Why MetLife Pet Insurance? the claim expense is covered under the policy. A. With MetLife, pet parents have the power of When does coverage start? choice to customize their pet insurance to A. MetLife Pet Insurance provides among the meet their needs. You can take advantage shortest wait periods for accident and illness of benefits like: 2,5 coverage. Accident coverage and optional • flexible coverage with up to 90% Preventive Care coverage begin on the effective date 1 reimbursement and the freedom to visit any of your policy. Illness coverage begins 14 days later. U.S. licensed vet 2 What’s covered? • only provider to offer family plans, covering A. Coverage includes: And our coverage also multiple cats and dogs on one policy includes: • optional Preventive Care coverage3 • accidental injuries • hip dysplasia • illnesses • 24/7 access to Telehealth Concierge Services • hereditary conditions • exam fees • congenital conditions • discounts up to 30%4 and additional offers on • surgeries • holistic care pet care, where available • medications • chronic conditions • MetLife Pet mobile app makes it easy to submit • ultrasounds • alternative therapies • hospital stays and track claims and manage your pet’s health and wellness. • X-rays and • and much more! diagnostic tests

Pet Insurance How do I pay for my coverage? What’s not covered? A. Pre-existing conditions may not be covered—to learn A. You can set up an automatic payment via more about what’s not covered, visit metlifepetinsurance.com/ credit card through the online portal or call coverage-exclusions. center. ACH (electronic bank-to-bank payment) Can I still use my vet? is available exclusively in our call center. A. You can visit any U.S. licensed vet, emergency clinic or How does the MetLife Pet App work? specialist and you and your veterinarian of choice can A. When you download our app, you can determine the best treatment plan and medical course of manage your pet insurance account from action for your pet. anywhere. How much pet insurance do I need? Plus, we make it easy to: A. Every individual and their pet have unique needs. Hence, • Submit and track claims we provide the ability to customize your coverage. • Manage your pet’s health records Coverage is flexible and customizable so that you can choose • Talk to an expert with 24/7 Telehealth Concierge Services the plan that works for you. Options include: • Find nearby pet services • levels of coverage from $500–unlimited6 Is my coverage portable if I leave • $0–$2,500 deductible options7 1 my employer? • reimbursement percentages from 50%–90% How much will it cost? A. Yes. You can take your policy with you. A. Each pet’s premium will be unique based on the age, Also, if you receive a group discount due to breed, location, as well as which coverage amount you signing up for MetLife Pet Insurance through 8 your employer, that discount will not carry over select. Plus, if you go claim-free in a policy year, we’ll into your next policy renewal. automatically decrease your deductible by $25 or $50.9 Are there any discounts? A. Yes, a variety of discounts are available,4 including: 10 • Employer Benefit Discount • Military, Veteran, First Responder 11 and Healthcare Workers Discount 12 • Animal Care Discount Get a Quote or Enroll Today Call 1-800-GET-MET8 metlifepetinsurance.com/UPH Scan the QR code 1 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply. 2 Based on a January 2023 review of publicly available summary information. Competitors did not furnish copies of their policies for review. If you have questions about a particular competitor's policy or coverage, please contact them or their representative directly. 3 For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit. 4 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details. 5 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy is compared to a wait time of 2 to 15 days for many competitors; Illness coverage begins 14 days from the effective day of your policy compared to 14 to 30 days for many competitors. 6 Annual limit options range from $1,000 - $25,000 in $1,000 increments. There is also a $500 annual limit option for MetGen policies. Unlimited benefit option subject to availability. Pet age restrictions may apply. 7 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. 8 For IAIC policies, premium is also based upon pet gender. 9 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states. 10 Discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. (IAIC policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives. MetGen policies, this discount is 10% for Employer Groups and 5% for Associations). 11 Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces. 12 Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities. For this discount, please call 1-800-GET-MET8. Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. Coverage subject to restrictions, exclusions and limitations and application is subject to underwriting. See policy or contact MetLife Pet Insurance Solutions LLC (“MetLife Pet”) for details. 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). L0623032760[exp0625][All States][DC] © 2023 MetLife Services and Solutions, LLC, New York, NY 10166 — All Rights Reserved © 2023 Peanuts Worldwide LLC