Multi-pet households & employer benefits
2 Reddit posts
I have MetLife. They’re a stickler for pre existing conditions, but it’s been 5 years with no symptoms. Most polices that cover pre existing conditions have the stipulation that the cat must be symptom free for 6 months to a year. Last post I read for urinary coverage is 3 years symptom free.
My 7 year old cat had a urinary blockage, hospitalization, catheter, uti — the whole nine yards, costing me $2k, back in 2021. I only got pet insurance through MetLife for him about a year ago. We’ve been very fortunate that he has not had another incident since. He was briefly on a urinary prescription diet but eventually was back on regular food. Now he is on a hydrolyzed protein vet diet due to food allergies, which works well for him. Insurance won’t cover the food because it’s also pre-existing condition, which is fine. Sadly, the cat of someone I know recently had to be put down due to a severe blockage, even though he was on the prescription food. So now I’m worried — would MetLife (or any other pet insurance agencies) cover the expenses if my cat were to have another urinary incident? Though technically a pre-existing condition, it’s been five years, and he technically isn’t on treatment for blockages or crystals (though the hydrolyzed protein diet is helpful for it). I should probably call MetLife to verify, but was curious if anyone here would know?