MetLife Pet Insurance vs. Fetch Pet Insurance

Four Minutes
May 21, 2024

As pet parents, we all want the best for our fur babies, and that includes getting the best pet insurance to keep them safe. Make sure you have a policy that’s right for you and your pet by comparing providers. Keep reading to see how MetLife Pet Insurance stacks up against Fetch Pet Insurance.

Compare Fetch vs. MetLife Pet Insurance**

Here’s a quick rundown of how MetLife Pet Insurance policy provisions compare with those of a Fetch policy.1

MetLife Pet’s Plan vs. Fetch’s Plan

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
MetLife Pet  Insurance
Fetch Pet Insurance
Wellness and Preventative Care

Yes (optional add-on coverage)

Yes (optional add-on coverage)




Holistic/Alternative Therapy



Dental Cleaning and Care

Yes (optional add-on coverage)

Yes (optional add-on coverage that reimburses $75 – $125 per year for a cleaning)

24/7 Telehealth Access



Cancer Coverage






Grief Counseling






Family Plan (Multiple Pets on a Single Policy)



Spaying and Neutering

Yes (optional add-on coverage)

Yes (optional add-on coverage that reimburses $100 – $125 per year)

Includes All Ages and Breeds


No (only covers pets 6 weeks and older)

No Per-Incident Limits


Check with provider


Flexible (50% – 90%)5

Flexible (70% – 90%)

Average Deductible

Flexible ($0 – $2,500)6

Flexible ($250 – $2,500)

0-Day Accident Waiting Period



Illness Waiting Period

14 days 7

15 days 

Deductible Savings



Days to Reimburse

Up to 30 days (80% of claims reimbursed within 10 days)

Typically up to 15 days

Days to Submit Claim



NerdWallet Rating9

5 stars

4.5 stars

NerdWallet Callout9 "Customizable plans for dogs, cats and even other animals in some states.”9 "Fetch may be a good option for pet owners who want plenty of coverage and a high reimbursement amount."9

A “No” accompanied with 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 and exclusions apply. See our coverage and exclusions page for more details, and learn how our pet insurance works.

Still searching for pet insurance? See how we compare to other providers.

Reasons To Consider MetLife Pet Insurance Over Fetch

When looking for the best pet insurance for your furry family member, it’s important to consider which features and benefits are most important to you. Here are a few of the ways we may stand out from Fetch:

  • No waiting period: Accidents don’t wait for your insurance policy to kick in. MetLife Pet offers accident coverage with a 0-day waiting period, whereas Fetch coverage has a 15-day waiting period.1,7
  • Family plan: With MetLife Pet’s family plans, you can cover up to three pets on a single policy13 with a shared deductible. Fetch only offers individual plans, with separate deductibles and premiums, for each one of your pets.1
  • End-of-life coverage: Losing a beloved pet is difficult for any pet parent. MetLife Pet Insurance reimburses you for the cost of euthanasia and cremation, as well as grief counseling services.3 Fetch doesn’t.1
  • 24/7 telehealth access: Your MetLife Pet policy gives you free, 24/7 chat access to a team of pet health experts.2 That means you can get your most pressing pet-care questions answered, even when the vet is closed. Fetch only provides a reimbursement for using a vet telehealth platform of your choosing.1

Protect your Pets

Does our coverage fit the bill? Check out more FAQs, and start your pet insurance journey today by getting a free quote!

Why Choose MetLife Pet Insurance?

MetLife Pet lets you customize your deductible, reimbursement rate, and coverage levels to create a plan that fits your budget, as well as your furry family’s needs.5,6 But the benefits don’t end there. Keep reading to learn more about what makes us different from other providers.

MetLife Pet cares

About the community: Our love for pets includes those who have yet to find their forever home. We donated over $1.3 million in 2023 to animal shelters nationwide to support their operational and pet care costs. In addition, we created our Golden Beagle Award — which grants $20,000 to an animal welfare organization focusing on adoptions of large-breed dogs.

We’re also committed to furthering education by providing valuable learning resources to help pet parents care for their furry family members. Plus, adopting from one of our partner shelters may give you the option to instantly enroll in a MetLife Pet Insurance policy — ensuring your new companion is protected from day one.

About our customers: Life can change in an instant. If you're hospitalized, our pet insurance could help cover boarding costs for your pet while you recover. We’re also proud to offer special discounts10 for first responders, active service members, and animal care workers.11,12

To help pet parents save even more, in addition to our family plan, you can still receive a multi-policy discount if you choose to have separate policies for your pets instead of enrolling them together.13

Free mobile app

To make using your pet insurance benefits easier, MetLife Pet has a free mobile app for our policyholders — offering convenient access to our services. You can manage claims, access veterinary records, receive articles tailored to your pet’s needs, and use our 24/7 online vet chat.2  All of this is included in your policy, at no extra cost!


To help make pet insurance accessible to all animal lovers, we provide an array of discounts to eligible policyholders.10

Deductible discount: Your pet's deductible automatically decreases by $50 each policy year that you don't receive a reimbursement for a submitted claim.8

Internet purchase discount: This discount applies to your first year of premiums.14

Animal care discount: This is a 10% discount for animal care facility staff, veterinarians, shelter personnel, and more.12

Military discount: A discount is available to eligible active or retired military members, veterans, and first responders.11

Healthcare workers: This discount is available to people who work in the healthcare industry — such as nurses, physicians, doctors, and more.11

Employer benefit discount: This is offered to policyholders who enroll through their workplace.15

Woman feeding her dog food from a bowl

Preventive Care plan

Being proactive about your pet’s health is a great way to maintain their happiness. That’s why we offer an optional Preventative Care plan add-on to supplement our accident and illness plan. This add-on can help cover the costs of vaccinations, routine checkups, dental cleanings, parasite prevention and treatment, as well as spaying and neutering.

Holistic coverage

Part of being proactive may mean taking a holistic approach to your pet’s health. It can also benefit pets who are managing a chronic condition or in recovery. Our coverage extends to some alternative treatments — such as hydrotherapy, chiropractic care, acupuncture, herbal therapies, and massage therapy.

Success stories

For over 15 years, MetLife Pet Insurance has helped countless pet parents cover the costs of crucial veterinary care. Here’s a real-life example of policyholders who received a reimbursement for their vet bills.

At 5 years old, an LA-based pup named Luna was entering the prime of her life. Despite this,  Luna and her parents soon found themselves facing one of the most serious diagnoses that can be given: cancer.16

 Luna was diagnosed with mast cell tumors, a malignant skin cancer. Her parents were ready to do anything to save her life, and fortunately, this cancer has a relatively simple form of treatment. By surgically removing the tumors, their spread could be halted.17 But the financial burden of this vital treatment was significant — more than $10,000. Many pet parents have found themselves in this exact situation: trapped between a dire diagnosis and a financial barrier to treatment. But  Luna’s parents were prepared with a MetLife Pet dog insurance policy. We reimbursed them for nearly $8,600, and Luna was able to get the medical care she needed.16

Real-life stories like these can showcase just how important pet insurance can be, and why it may be worth it for you. If MetLife Pet’s coverage and benefits fit your family’s needs, start your enrollment today by getting a free, personalized quote.

Take the Next Step in Your Research

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Coverage is subject to the language of the policies as actually issued. This comparison or description of Fetch’s policy(ies) was not furnished by Fetch. 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 March 2024 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 Fetch. Referenced publicly- available material for Fetch 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 Insurance works and review our coverage and exclusions.

1 Based on information on the Fetch Pet coverage page retrieved from and information found across the Fetch Pet website.

2 Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet 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.

3 Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife Pet. Not available to NY residents.

4 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.

5 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

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

7 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 March 2024 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 Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.

9 Based on a March 2024 review of publicly available summary information about competitors’ offerings. 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.

10 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

11 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.

12 Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.

13 Multi-policy discount is not available with Family Plans.

14 Discount may not be available in all states. When coverage is purchased on-line, a premium discount will apply during the first year of the policy.

15 The Affinity Group Discount is not available on policies issued to residents of MN or TN. The Employer Group Discount is not available on policies issued to residents of TN. These discounts are only available to individuals who are eligible members or employees of an entity that has arranged for MetLife Pet to offer pet insurance (the discount is 10% for Employer Groups and 5% for Affinity Groups). In MN, the Employer Group Discount is called an “Employee Affinity Discount." In AK, Employer Group must be > 2+ employees and the employee must enroll through employer’s voluntary benefit or employee discount program via URL and/or toll-free number. In AK, for Affinity Groups, the policyholder must enroll through the affinity group's discount program via URL and/or toll-free number.

16 All claims paid amounts are based on MetLife Pet internal claims data from December 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

17 "Mast Cell Tumors in Dogs,” VCA Animal Hospitals,

Coverage issued by Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. 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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