With the number of pet insurance providers out there, choosing the right one for you and your pets may feel challenging. To help you on your journey, we’ve put together some information that shows how MetLife Pet Insurance compares to other companies, including their plans and reimbursement rates.1
Compare Pet Insurance Coverage
Easily compare a MetLife Pet Insurance policy with accident and illness policies of other pet insurance providers. Browse the tables, and then check out the full comparison by clicking the link below it.
Have a specific insurer in mind? Choose the name below to view that comparison table.
MetLife Pet vs. SpotTM*
| MetLife Pet Insurance | Spot Pet Insurance2 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| No 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes |
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes |
| Holistic/Alternative Therapy | undefined Yes | Exclusions apply |
| Includes All Ages and Breeds6 | undefined Yes | Exclusions apply |
| Reimbursement | Flexible (50% – 90%)1 | Flexible (up to 90%) |
MetLife Pet vs. Lemonade
| MetLife Pet Insurance | Lemonade Pet Insurance7 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined No
|
| Holistic/Alternative Therapy | undefined Yes | Optional add-on |
| Includes All Ages and Breeds6 | undefined Yes | undefined No
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% – 90%) |
MetLife Pet vs. TrupanionTM*
| MetLife Pet Insurance | Trupanion Pet Insurance8 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | Only with select offers |
| Add-on Wellness and Preventive Care | undefined Yes | undefined No
|
| 24/7 Telehealth Access5 | undefined Yes | undefined No
|
| Holistic/Alternative Therapy | undefined Yes | Optional add-on |
| Includes All Ages and Breeds6 | undefined Yes | undefined No
|
| Reimbursement | Flexible (50% – 90%)1 | 90% (customizable in some states) |
MetLife Pet vs. Fetch®*
| MetLife Pet Insurance | Fetch Pet Insurance9 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined No
|
| Holistic/Alternative Therapy | undefined Yes | undefined Yes
|
| Includes All Ages and Breeds6 | undefined Yes | undefined Yes
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% – 90%) |
MetLife Pet vs. Nationwide®*
| MetLife Pet Insurance | Nationwide Pet Insurance10 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes
|
| Holistic/Alternative Therapy | undefined Yes | undefined Yes
|
| Includes All Ages and Breeds6 | undefined Yes
| undefined No
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (50% – 80%) |
MetLife Pet vs. Figo
| MetLife Pet Insurance | Figo Pet Insurance11 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes
|
| Holistic/Alternative Therapy | undefined Yes | undefined Yes
|
| Includes All Ages and Breeds6 | undefined Yes | undefined Yes
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% – 100%) |
MetLife Pet vs. ASPCA®*
| MetLife Pet Insurance | ASPCA Pet Insurance12 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes
|
| Holistic/Alternative Therapy | undefined Yes | undefined Yes
|
| Includes All Ages and Breeds6 | undefined Yes | undefined Yes
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% – 90%) |
MetLife Pet vs. EmbraceTM*
| MetLife Pet Insurance | Embrace Pet Insurance13 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No |
| 0-day Accident Waiting Period4 | undefined Yes | undefined Yes |
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes |
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes |
| Holistic/Alternative Therapy | undefined Yes | Some only covered under optional add-on |
| Includes All Ages and Breeds6 | undefined Yes | undefined No
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% – 90%) |
MetLife Pet vs. Pumpkin
| MetLife Pet Insurance | Pumpkin Pet Insurance14 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes
|
| Holistic/Alternative Therapy | undefined Yes | undefined Yes |
| Includes All Ages and Breeds6 | undefined Yes | undefined Yes |
| Reimbursement | Flexible (50% – 90%)1 | Flexible (80% or 90%) |
MetLife Pet vs. Pets Best
| MetLife Pet Insurance | Pets Best Pet Insurance15 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined Yes | undefined Yes
|
| Holistic/Alternative Therapy | undefined Yes | Optional add-on |
| Includes All Ages and Breeds6 | undefined Yes | undefined Yes |
| Reimbursement | Flexible (50% – 90%)1 | Flexible (50% – 90%) |
MetLife Pet vs. Healthy PawsSM*
| MetLife Pet Insurance | Healthy Paws Pet Insurance16 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | undefined No
|
| Add-on Wellness and Preventive Care | undefined Yes | undefined No
|
| 24/7 Telehealth Access5 | undefined Yes | undefined No
|
| Holistic/Alternative Therapy | undefined Yes | Exclusions apply |
| Includes All Ages and Breeds6 | undefined Yes | undefined No |
| Reimbursement | Flexible (50% – 90%)1 | Flexible (up to 90%) |
MetLife Pet vs. AKC®*
| MetLife Pet Insurance | AKC Pet Insurance17 | |
|---|---|---|
| Family Plan (Multiple Pets on One Policy)3 | undefined Yes | undefined No
|
| 0-day Accident Waiting Period4 | undefined Yes | Only with select offers |
| Add-on Wellness and Preventive Care | undefined Yes | undefined Yes
|
| 24/7 Telehealth Access5 | undefined
Yes
| undefined Yes |
| Holistic/Alternative Therapy | undefined
Yes
| Exclusions apply |
| Includes All Ages and Breeds6 | undefined Yes | undefined No
|
| Reimbursement | Flexible (50% – 90%)1 | Flexible (70% - 90%) |
As with any insurance policy, coverage may vary and exclusions apply. See our coverage and exclusions page for more details, and learn how our pet insurance works.
You picked the perfect pet, now pick the perfect plan for them
Ways MetLife Pet Takes Care of Their Pack
Preventive Care Coverage
Add our optional Preventive Care plan to your policy and get reimbursed for routine and wellness expenses, up to your policy’s annual limit.18
Family Plans
Combine cats and dogs on our unique family plan that covers multiple pets under one policy with a shared deductible,20 so you can save more money.3
0-Day Waiting Period for All
Take advantage of 0-day waiting periods on accidents and Preventive Care coverage for all cats and dogs, with no maximum age caps to enroll.4
24/7 Vet Chat
Rest easier with free, 24/7 vet chat support5 in our mobile app for policyholders. No matter the time or day, get answers to your pet care questions.
Helpful Tips for Comparing
To help you pick the right pet insurance, get a holistic picture of your options, then narrow it down to the plan that fits your budget and your pet’s needs. Consider a few key elements when comparing.
Make sure you understand what’s covered and excluded, as well as any enrollment restrictions for all policies. Explore customization options, like reimbursement limits and optional plans, or perks such as vet chat support and discounts.19 Assess how the price of your plan changes with different options, and don’t overlook the amount of coverage you’ll get by aiming for the lowest price.
How much is pet insurance for a dog?
Dog insurance typically costs more than cat insurance, and the national average in 2026 comes in at around $52 per month for adult dogs. If you have a puppy, you might find the monthly average to be around $43. However, the younger the puppy is, the more expensive it may be to insure them. For example, a 3-month-old puppy may be more expensive to insure than a puppy who’s a year old.2
Typically, the most expensive dog breeds to insure can include:3
- Bulldogs
- Great Danes
- Rottweilers
- German shepherds
- Bernese mountain dogs
- Golden retrievers
- Newfoundlands
- Boxers
How much is pet insurance for a cat?
Cat insurance generally costs less than dog insurance, with the national 2026 average being $28 per month for adult cats. Kittens might cost around $25 to insure per month. Just like puppies, it could cost more to insure a younger kitten than an older kitten.2
The most expensive cat breeds to insure typically include:4
- Abyssinian
- Bengal
- Burmese
- Devon Rex
- Persian
- Maine coon
- Munchkin
- Ragdoll
Types of Plans and How They Affect Pet Insurance Costs
There are a few different kinds of pet insurance plans you can purchase, depending on what providers offer. Let’s take a look at how these choices impact costs.2
- Accident and illness: Also known as comprehensive coverage, this plan covers a broad range of health issues and injuries your pet may experience. It’s also usually the most expensive.
- Accident-only: If you don’t want coverage for illnesses, you can get a lower-coverage plan that only covers accidents and injuries. This typically costs less than comprehensive coverage.
- Wellness: Some pet insurance providers offer wellness or preventive coverage. It may be included in your insurance plan’s coverage or presented as an add-on for an additional cost.
MetLife Pet offers a customizable accident and illness policy and optional Preventive Care coverage for an additional cost. Check out our pet insurance plans to find the right level of coverage for your furry family.
