COMPARISONS

Metlife Pet Insurance vs. Figo

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We know how important it is to research which pet insurance provider is the best fit for you and your furry family member(s). We also know how time-consuming that research can be. So we’ve done the heavy lifting to give you a comparison of MetLife Pet Insurance with Figo Pet Insurance. Keep reading to see how our coverage stacks up to help you make your decision.

Compare Figo vs. MetLife Pet Insurance**

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

This table has 3 columns and 7 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	Figo Pet Insurance
Family Plan²	This product is included Yes	This product is not included No
Grief Counseling³	This product is included Yes	This product is not included No
0-Day Accident Waiting Period4⁴	This product is included Yes	Only with select offers
Includes All Ages and Breeds⁵	This product is included Yes	Pets must be 8 weeks old to enroll
Holistic/Alternative Therapy	This product is included Yes	Optional add-on
24/7 Telehealth Access⁶	This product is included Yes	This product is included Yes
Add-on Wellness and Preventive Care	This product is included Yes	This product is included Yes
Add-on Dental Cleaning and Care	This product is included Yes	This product is included Yes
Add-on Spaying/Neutering	This product is included Yes	This product is included Yes
Prescriptions	This product is included Yes	This product is included Yes
No Per-Incident Limits	This product is included Yes	This product is included Yes
Reimbursement	Flexible (50% – 90%)⁷	Flexible (70% – 100%)
Average Deductible	Flexible ($0 – $2,500)⁸	Flexible ($100 – $1,500)
Illness Waiting Period	14 days⁴	14 days
Days to Reimburse	Most claims reimbursed within 5 days⁹	Most claims closed in 2 – 3 days
Days to Submit Claim	90	180
NerdWallet Rating⁹	5.0 stars	4.5 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”¹⁰	“Extensive coverage, a variety of deductibles to choose from, and generous reimbursement options.”⁹

This table has 3 columns and 7 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	Figo Pet Insurance
Family Plan²	This product is included Yes	This product is not included No
Grief Counseling³	This product is included Yes	This product is not included No
0-Day Accident Waiting Period4⁴	This product is included Yes	Only with select offers
Includes All Ages and Breeds⁵	This product is included Yes	Pets must be 8 weeks old to enroll
Holistic/Alternative Therapy	This product is included Yes	Optional add-on
24/7 Telehealth Access⁶	This product is included Yes	This product is included Yes
Add-on Wellness and Preventive Care	This product is included Yes	This product is included Yes
Add-on Dental Cleaning and Care	This product is included Yes	This product is included Yes
Add-on Spaying/Neutering	This product is included Yes	This product is included Yes
Prescriptions	This product is included Yes	This product is included Yes
No Per-Incident Limits	This product is included Yes	This product is included Yes
Reimbursement	Flexible (50% – 90%)⁷	Flexible (70% – 100%)
Average Deductible	Flexible ($0 – $2,500)⁸	Flexible ($100 – $1,500)
Illness Waiting Period	14 days⁴	14 days
Days to Reimburse	Most claims reimbursed within 5 days⁹	Most claims closed in 2 – 3 days
Days to Submit Claim	90	180
NerdWallet Rating⁹	5.0 stars	4.5 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”¹⁰	“Extensive coverage, a variety of deductibles to choose from, and generous reimbursement options.”⁹

This Table has 2 columns and multiple rows. The first column represents the product, The seconds and 3 columns represent metlife and their competitors. Each row indicates weither the product is covered by Metlife or their competitors
Metlife
Family Plan²	This product is included Yes
Grief Counseling³	This product is included Yes
0-Day Accident Waiting Period⁴	This product is included Yes
Includes All Ages and Breeds5	This product is included Yes
Holistic/Alternative Therapy	This product is included Yes
24/7 Telehealth Access⁶	This product is included Yes
Add-on Wellness and Preventive Care	This product is included Yes
Add-on Dental Cleaning and Care	This product is included Yes
Add-on Spaying/Neutering	This product is included Yes
Prescriptions	This product is included Yes
No Per-Incident Limits	This product is included Yes
Reimbursement	Flexible (50% – 90%)⁷
Average Deductible	Flexible ($0 – $2,500)⁸
Illness Waiting Period	14 days⁴
Days to Reimburse	Most claims reimbursed within 5 days9
Days to Submit Claim	90
NerdWallet Rating⁹	5.0 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”¹⁰
Figo Pet Insurance
Family Plan²	This product is not included No
Grief Counseling³	This product is not included No
0-Day Accident Waiting Period⁴	Only with select offers
Includes All Ages and Breeds⁵	Pets must be 8 weeks old to enroll
Holistic/Alternative Therapy	Optional add-on
24/7 Telehealth Access⁶	This product is included Yes
Add-on Wellness and Preventive Care	This product is included Yes
Add-on Dental Cleaning and Care	This product is included Yes
Add-on Spaying/Neutering	This product is included Yes
Prescriptions	This product is included Yes
No Per-Incident Limits	This product is included Yes
Reimbursement	Flexible (70% – 100%)
Average Deductible	Flexible ($100 – $1,500)
Illness Waiting Period	14 days
Days to Reimburse	Most claims closed in 2 – 3 days
Days to Submit Claim	180
NerdWallet Rating⁹	4.5 stars
NerdWallet Callout⁹	“Extensive coverage, a variety of deductibles to choose from, and generous reimbursement options.”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.

Is MetLife Pet the Right Provider for You and Your Furry Family?

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Reasons To Consider MetLife Pet Insurance Over Figo

We know having a plan that fits your needs is an essential part of choosing a pet insurance provider. Here are a few ways we may stand out against Fetch’s policies.

Exam Fee Coverage

Coverage for exam fees is included in your Metlife Pet standard plan. With Figo, you need to purchase their optional exam fee coverage add-on plan.¹

Parasite Coverage

MetLife Pet’s standard plan can reimburse⁸ you for diagnostics and treatments related to parasite illnesses. Figo doesn’t typically cover treatments for parasite conditions.¹

Supportive Coverage & Care

MetLife Pet offers coverage for vet-prescribed food, lost pet advertising and rewards, grief counseling³, and multiple pets on one plan² — things that aren’t offered by Figo.¹

Ways MetLife Pet Takes Care of Their Pack

When buying insurance protection, you likely want to know you’re making a good decision with your hard-earned money. Here are some of the ways we help pets and their people.

Support for the Community

In 2023, we donated over $1.3 million to animal shelters we work with across the country, and we offer educational resources to help people care for their pets.¹¹

Preventive Care Coverage

You can add our optional Preventive Care Plan to your policy and get reimbursed for routine and wellness expenses, up to your policy’s annual limit.¹²

Discounts

We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.^13,14

Family Plans

Our family plan covers multiple pets under one policy with a shared deductible, so you can save more money — you can even combine cats and dogs.³

Get the Award-Winning¹⁵ Coverage They Deserve

With more than 15 years of experience insuring pet parents across the country, we work hard to ensure your pet gets the care they need — so you can focus on giving them the happy, healthy life they deserve. Just like California pup, Zane.

Zane, a shih tzu puppy, was on a walk when his owners noticed him lifting both his knees and skipping at times. Worried about these sudden bouts of lameness, Zane’s parents took him to the vet. After an exam and X-rays, the vet diagnosed Zane with patellar luxation in both of his back legs. The surgery to realign his kneecaps cost around $11,675.¹⁶

MetLife Pet covered $9,550 of the $11,675 bill.¹⁶ Get coverage, like Zane’s family did, for your pets — so your finances can be covered for unexpected vet bills and you can focus on their care.

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Coverage is subject to the language of the policies as actually issued. This comparison or description of Figo’s policy(ies) was not furnished by Figo. 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 April 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 Figo. Referenced publicly- available material for Figo 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 a Figo sample plan, retrieved from https://figopetinsurance.com/state-documents-and-sample-policies and information found across the Figo website.

² 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.

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 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 an April 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 Coverage options may be limited for certain ages.

⁶ 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. The MetLife Pet App features are coming soon for exotic pet policyholders.

⁷ Reimbursement options include: 50%, 70%, 80% and 90%. Some restrictions may apply.

⁸ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500. Restrictions may apply.

⁹ Most claims are processed in 5-10 days, but processing may take longer in some cases

¹⁰ Based on an April 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.

¹¹ Information gathered from the MetLife Pet Animal Welfare Team

¹² Annual limit options range from $500 – $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

¹³ When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

¹⁴ Your policy deductible decreases by $50 each policy year that you don’t receive a claim reimbursement. Deductible reverts on renewal if claim reimbursement for claims other than preventive care have been made. Restrictions apply.

¹⁵ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

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.

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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Metlife Pet Insurance vs. Figo

Compare Figo vs. MetLife Pet Insurance**

Multiple pets on a single policy

Per-incident limits mean a provider will have a maximum amount of money they will reimburse for an individual incident in a claim.

A flexible reimbursement rate means you can get anywhere from 50% to 90% of your vet bill reimbursed depending on your customized rate.

A deductible is the amount you cover before we start to reimburse you for your pet's vet bills.

MetLife Pet has up to 30 days to reimburse covered claims

Multiple pets on a single policy

Per-incident limits mean a provider will have a maximum amount of money they will reimburse for an individual incident in a claim.

A flexible reimbursement rate means you can get anywhere from 50% to 90% of your vet bill reimbursed depending on your customized rate.

A deductible is the amount you cover before we start to reimburse you for your pet's vet bills.

MetLife Pet has up to 30 days to reimburse covered claims

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Is MetLife Pet the Right Provider for You and Your Furry Family?