Pet insurance changes when moving in the DMV

Just wanted to provide a warning for pet owners in the DMV. this may not apply to your specific pet insurance, but I would encourage you to check if you are planning to move, especially within the DMV.

I insure my 2 cats with Metlife Pet. I know not everyone likes pet insurance but they are senior cats and it had helped a lot with their vet costs- until I moved from DC to Hyattsville, MD. when I moved last year, I updated my address with Metlife and they informed me that moving to a new state meant that they needed to create a new policy for my pets. I had moved 8 miles away.

when they created the new policies, because my cat had become a "senior" he was only covered up to $2,000 (which may vary by insurance provider). but what is even worse is that all of the cats' previously treated ailments became "pre-existing conditions" even though these issues had been discovered during their time with this insurance provider. and now that they are pre-existing, those conditions aren't covered at all (again, may vary by plan)

if I had known all of this before moving, I genuinely don't know if I would have moved out of DC. so I am sharing this as a warning that I think applies more to the DMV than other regions, since it is so easy to move to a new state.

TLDR: if you have pet insurance, check whether your coverage will be impacted before you decide to move to a different state.