Coverage is subject to the language of the policies as actually issued. This comparison or description of competitor insurance policy(ies) was not furnished by Nationwide, Healthy Paws, Lemonade, Pets Best, Trupanion, ASPCA, Embrace, Figo, Fetch, Pumpkin, Spot, or AKC. It was prepared solely by MetLife Pet Insurance based on publicly available summary information about competitors' offerings and highlights selected coverages of the policies referenced as of February 2025 and is subject to change without notice. It may not be completely accurate and should not be the sole source of information relied upon in deciding which insurance coverage to purchase. To receive the latest information about other providers' available plans, please visit their website. If you have questions regarding the illustration or about a particular competitor’s policy or coverage, please contact a representative of the competitor. For completely reliable benefit comparisons, insurance departments (including North Dakota’s) advise that you obtain the benefit schedules directly from each applicable insurance company.
**A “No” in the above tables means this is not included or that exclusions may apply. As with any insurance policy, coverage may vary. Learn how MetLife Pet Insurance works, and review our coverage and exclusions.
* MetLife Pet Insurance is not authorized, endorsed, or sponsored by the respective owners of any third-party marks.
1 Reimbursement options include: 50%, 70%, 80% and 90%. Some restrictions may apply.
2 Based on a Spot Pet Insurance sample policy, retrieved from https://spotpetins.com/spot-sample-policy.pdf, and information found across the Spot website, last accessed March, 2025
3 Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.
4 Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy 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. Based on a February 2025 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.
5 Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.
6 Coverage options may be limited for certain ages.
7 Based on a Lemonade Pet Insurance sample plan, retrieved from https://www.lemonade.com/pet-insurance, and information found across the Lemonade website. Last accessed March, 2025
8 Based on Trupanion’s sample policy, retrieved from https://trupanion.com/pet-insurance/policy/view-sample-policy, and information found across the Trupanion website. Last accessed March, 2025
9 Based on a Fetch Pet Insurance sample plan, retrieved from https://www.fetchpet.com/terms-conditions, and information found across the Fetch Pet Insurance website. Last accessed March, 2025
10 Based on Nationwide’s California Modular Pet Insurance sample plan. Retrieved from petinsurance.com/forms, and information found across the Nationwide website. Last accessed March, 2025
11 Based on a Figo sample plan, retrieved from https://assets.ctfassets.net/wcjeikrx8553/2D7uiYmiwcmvk6PlNsHptw/dda1584912b94bd24f0d8467abc69d46/Figo_Sample_Policy_-_Dog_-_08012023.pdf and information found across the Figo website. Last accessed March, 2025
12 Based on ASPCA’s sample policies, retrieved from https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/, and information found across the ASPCA website. Last accessed March, 2025
13 Based on an Embrace Full Coverage Pet Insurance sample plan, retrieved from https://www.embracepetinsurance.com/coverage/embrace-terms, and information found across the Embrace website. Last accessed March, 2025
14 Based on a Pumpkin sample plan, retrieved from https://www.pumpkin.care/sample-plan/ and information found across the Pumpkin website. Last accessed March, 2025
15 Based on a Pets Best sample plan, retrieved from https://www.petsbest.com/faq/download-sample-policy, and information found across the Pets Best website. Last accessed March, 2025
16 Based on a Healthy Paws sample plan, retrieved from https://www.healthypawspetinsurance.com/PolicyDocuments/StateDocuments/Global/Pet%20Health%20Insurance%20Policy%20Form%20WFIC%20LD-50812%20%2807-18%29%20%281%29.pdf, and information found across the Healthy Paws website. Last accessed March, 2025
17 Based on an AKC’s CompanionCare Pet Insurance sample plan, retrieved from https://www.akcpetinsurance.com/state-documents-and-sample-policies, and information found across the AKC website. Last accessed March, 2025
18 Annual limit options range from $500 – $25,000 in $1,000 increments or unlimited benefit option also available. Restrictions may apply.
19 Must be eligible for applicable discount. When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.
Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. 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).
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