Claim Coverage

Marcela, As per the policy we do require full medical records for all enrolled pets in order to process claims. Once full records are received (typically we ask for them when you file your first few claims) we will keep them on file for future claims processing and you will never have to submit full records again. In the future, if we do need clarification for a specific claim, we may simply request the date of service exam notes for that visit. We appreciate your efforts in providing those records. Your recent claim was covered in its entirety with the exception of the exam fee, which are excluded by your plan. Covered items were applied towards your chosen deductible. As with any plan that has an annual deductible, that must be satisfied before any reimbursements can occur. The Healthy Paws Team

I am finding the same great comfort with them. My new pup had giardia when she came to me and it took three rounds of treatment to cure it. She also needed blood work and spaying and it was all covered. So very happy I decided on Met Life!!!!

As per the policy we do require medical records for all enrolled pets in order to process claims. At minimum we require the notes from the enrollment exam as outlined in your policy. When you enrolled online and prior to completing the enrollment process, you were asked and checked off a box noting that an examination was performed within a specific time frame based on the age of the pet you were enrolling. When an enrollment examination is not performed prior to enrollment or during the waiting period, this will affect the last day of the waiting period. Not having an enrollment exam may result in the denial of claims related to any signs and symptoms that are present at the time of the exam. Claims denied for pets due to a lack of an enrollment exam are denied under the policy's waiting period exclusion, which is currently the case for your pet. If your baby has *any* prior vet visits to the one noted in our customer care team’s email to you, let us know.