MetLife Pet Insurance vs. Embrace: How Does Embrace Stack Up?

Five Minutes
May 02, 2023

It can be overwhelming to decide which pet insurance is best for your four-legged friend, especially with so many options available. We’ve made it simple to see how we stack up to other pet insurance providers on the market. Read on to see how we compare to Embrace.

MetLife Pet vs. Embrace

Here’s a quick glance of how some of the MetLife Pet Insurance policy provisions compare with those of Embrace.1

MetLife Pet Vs. Embrace**

Wellness and Preventative Care


Holistic / Alternative Therapy

Dental Surgery and Care

24/7 Telehealth Access

Cancer Coverage

A “No” followed by a red “X” in the above table means this is not included or that exclusions may apply.

As with any insurance policy, coverage may vary. Learn how our pet insurance works and see what our pet insurance policies cover.

**Some exclusions apply. Using a screen reader or simply love a good spreadsheet? Download this excel sheet , which outlines the differences between MetLife Pet Insurance and Embrace.

Still searching? See how we compare to Nationwide, ASPCA, and Healthy Paws.

Embrace’s Partnership With GEICO

GEICO’s partnership with Embrace gives customers coverage with Embrace under the GEICO umbrella. This means that customers who enroll in a pet insurance policy through GEICO will have Embrace as their provider.

Reasons To Consider MetLife Pet Insurance Over Embrace

When choosing the right pet insurance for you and your family, consider what coverage options and features are most important to you. Then, take a look at some of the ways we stand out from Embrace:

  • Shorter waiting period: Accidents can strike at any moment — even the day after you sign up for an insurance policy. MetLife Pet Insurance offers a 0-day waiting period for accident coverage,7 while Embrace has a 2-day waiting period.1
  • Family plans: MetLife Pet’s policies allow you to have up to three pets on the same plan with a shared deductible. You may be limited to separate deductibles with other insurers, like Embrace, which can be costly.6
  • Supportive care: MetLife Pet Insurance covers alternative therapies and costs associated with boarding, cremation, lost pet advertising and rewards, and grief counseling — all of which can help provide more peace of mind.
  • Reimbursement options: MetLife Pet Insurance may have more generous reimbursement options than other insurers.

Protect your Pets

Still have questions? Learn more in our FAQs and get a free quote to see how much you could save.

Why Choose MetLife Pet Insurance?

With MetLife Pet Insurance, plans are customizable to fit your lifestyle, so you and your pet can live your best lives together. A MetLife Pet Insurance policy may be a worthwhile investment for your furry friends. Check out some more reasons you might choose MetLife Pet below.

MetLife Pet cares

As part of our ongoing efforts to help shelters with their care and operational costs, MetLife Pet contributed $500,000 to our premier animal rescue and shelter partners across the U.S. in 2021.8

We also offer discounts to customers who work in animal care and health care, as well as veterans.9,10 To further support our customers, our policies may also help cover boarding costs for your furry friend if you’re hospitalized and unable to take care of your pet.


At MetLife Pet Insurance, we offer discounts to eligible policyholders.

  • Deductible discount: Your pet's deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year you don't receive a reimbursement for a submitted claim.4
  • Military discount: This is available to active or retired military members, veterans, and first responders.10
  • Animal care discount: We offer a 10% discount for veterinarians, shelter personnel, animal care facility staff, and more.9
  • Employer benefit discount: This is offered to customers who enroll in a policy through their workplace.11
  • Internet purchase discount: This applies to the first year of premiums.12

Free mobile app

MetLife Pet Insurance has an easy-to-use mobile app to make your experience even better. While other insurance providers may require additional subscription costs, our mobile app is free to use when you have a policy with MetLife Pet.13 A few perks that come with the MetLife Pet app include the ability to:

  • Access a 24/7 telehealth chat service with veterinarians who can answer your questions
  • Search for nearby pet services
  • Manage your pet’s vet records and keep them all in one convenient place
  • Upload your vet invoices and submit your claim documents
  • Get recommendations and articles tailored to you and your pet

Here are a few examples of questions our telehealth veterinarians can help answer:

  • My dog ate a grape. What should I do?
  • My cat was hit in the eye and now it’s swollen. Should I take them to the vet for care?
  •  My dog’s nose is irritated. Do I need to bring them in for care?

 Holistic care and alternative therapies

Alternative treatment options can mean the world to parents of a senior pet or a pet on the road to recovery. MetLife Pet Insurance can offer coverage for treatments like hydrotherapy, laser therapy, massages, vet-prescribed diet food, and herbal therapies that may not be covered under policies from other insurers.

Success stories

With over 15 years of serving pet parents, we have the experience to help you and your beloved companions. Here’s a real life success story, so you can see our coverage in action.

Lemon, a mixed breed kitten living in Washington, D.C., ingested one of her parent’s hair ties. She was rushed to the emergency clinic for an emergency surgery to remove the foreign object. The bill came out to just over $4,800, but Lemon’s mom was able to submit a claim to MetLife Pet for reimbursement. She was reimbursed almost $4,200, and Lemon recovered safely at home after a few days in the hospital.14

We strive to offer expansive pet insurance coverage for you and your furry friend, so you can focus on giving them the life they deserve. Get a free quote today from MetLife Pet Insurance, winner of the 2023 “Pet Insurance of the Year” award at the Pet Innovations Awards Program.


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See Personalized Rates

Coverage is subject to the language of the policies as actually issued. This comparison or description of Embrace policy(ies) was not furnished by Embrace. It was prepared solely by MetLife Pet Insurance based publicly available summary information about competitors' offerings and highlights selected coverages of the policies referenced as of May 1, 2023 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 Embrace. Referenced publicly- available material for Embrace sample plan. For completely reliable benefit comparisons, insurance departments (including North Dakota’s) advise that you obtain the benefit schedules directly from each applicable insurance company.


**As with any insurance policy, coverage may vary. Learn how MetLife Pet pet insurance works and review our coverage and exclusions.

1 Based on an Embrace Full Coverage Pet Insurance sample plan, retrieved from, and information found across the Embrace website.

2 Grief Counseling services are provided through an agreement with LifeWorks. US Inc., an unaffiliated third-party service provider. Grief counseling services provided by LifeWorks are separate and apart from the insurance provided by MetLife.

3 Reimbursement options include: 70%, 80% and 90% and a 50% option for MetGen policies and a 65% option for IAIC policies only. Pet age restrictions may apply.

4 Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

5 Your pet’s deductible automatically decreases by $25 (IAIC policies) or $50 (MetGen policies) each policy year that you don’t receive a claim reimbursement. May not be available in all states.

6 Based on a March 2023 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.

Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy is 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 March 2023 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.

8 “MetLife Pet Insurance Contributes $500,000 to Animal Shelters across U.S.,” Business Wire

9 A discount is applicable to staff/owners of animal care facilities. Not available in NY.

10 Discount may not be available in all states. A discount is available to Healthcare Workers, First Responders, and serving and retired members of the Armed Forces.

11 Discount is not available in MN or TN. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance. (IAIC policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives. MetGen policies, this discount is 10% for Employer Groups and 5% for Associations).

12 When coverage is purchased on-line, a premium discount will apply during the first year of the policy. When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

13 “The 7 best online veterinarian services for virtual pet care,” Insider

14 All claims paid amounts are based on MetLife internal claims data from October 2022. Story altered for illustrative purposes.

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, and Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85454. 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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