MetLife Pet Insurance vs. Figo

Four Minutes
May 09, 2024

When it comes to your pet’s medical needs, you want the best care. But the best care for your pet can come with high vet bills. The good news? Pet insurance can be a great way to help ease the financial stress that may come with these bills.

We know how important it is to research which pet insurance provider is the best 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 comparisons of MetLife Pet Insurance against some of the common providers — including Figo. Keep reading to see how our coverage stacks up to help you make your decision.

Compare Figo vs. MetLife Pet Insurance**

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

MetLife Pet’s Plan vs. Figo’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
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 up to $75 per year for a cleaning) 

Exam Fees Covered


Yes (optional add-on coverage)

24/7 Telehealth Access



Cancer Coverage








Yes (optional add-on 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 up to $75 per year for neutering/spaying)

Includes All Ages and Breeds



No Per-Incident Limits




Flexible (50% – 90%)5

Flexible (70% – 100%)

Average Deductible

Flexible ($0 – $2,500)6

Flexible ($100 – $1,500)

0-Day Accident Waiting Period



Illness Waiting Period

14 days7

14 days 

Deductible Savings



Days to Reimburse

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

Up to
30 days (most within 3 days)

Days to Submit Claim


180 (can vary by state)

NerdWallet Rating9

5.0 stars

5.0 stars

NerdWallet Callout9 "Customizable plans for dogs, cats and even other animals in some states.”9 "Figo offers 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


Reasons To Consider MetLife Pet Insurance Over Figo

When choosing the best pet insurance provider for you, it’s helpful to figure out which benefits and coverage options are most important according to you and your pet’s needs. Here are some of the ways we may stand out against Figo:

  • Exam fees covered: You’re typically charged an exam fee for the physical examination of your pet by a vet — which is separate from diagnosis or treatment costs. MetLife Pet can cover this fee, while Figo typically doesn’t unless you purchase their optional exam fee coverage plan.1
  • Family plan: Having multiple pets can get expensive. With MetLife Pet, you can save on costs by enrolling up to three pets on a single policy with a shared deductible.4 While Figo offers a multi-policy discount, they don’t offer a family plan, so all of your pets will have separate deductibles.1
  • Short waiting periods: Accidents can happen at any moment — even right after you sign up for a pet insurance policy. MetLife Pet boasts one of the shortest waiting periods among providers, with a 0-day waiting period for accidents.7 Figo offers a 1-day waiting period for accidents.1
  • No minimum age: MetLife Pet Insurance policies cover dogs and cats of all ages. Meanwhile, pets must be at least 8 weeks old to be eligible for a Figo policy.1


Protect your Pets

Ready to explore more? Check out our frequently asked questions, and continue your research with a free quote.

Why Choose MetLife Pet Insurance?

Here at MetLife Pet, we offer customizable policies you can tailor to fit your needs — such as flexible reimbursement rates, deductibles, and coverage levels.5,6 But the benefits don’t stop there. Keep reading for some of the reasons MetLife Pet Insurance may be the right fit for you.

MetLife Pet cares

About the community: In addition to providing education for pet parents, so they can confidently take care of their beloved companions, MetLife Pet strives to provide funding to shelters. Plus, we created our Golden Beagle Award, which gives $20,000 to an animal welfare organization searching for homes for large-breed dogs.

If you happen to adopt a dog or cat from one of our partner shelters, you may be able to enroll in a MetLife Pet policy right there! This can help you get the care your pet needs from the beginning.

About our customers: Our policies include supportive care for you and your pet in times of need — such as boarding cost coverage while you’re hospitalized and grief counseling related to the loss of a pet.3 We also offer discounts to eligible customers who work in healthcare, animal care, or the military.10,11 MetLife Pet is the only provider offering a multi-pet policy that allows you to save on costs for multiple pets by putting them on a family plan with a shared deductible.4,9 And if, for whatever reason, you have separate policies for your pets, we still offer a multi-policy discount.12


MetLife Pet offers discounts13 in an effort to make pet insurance more accessible. Some of the industry discounts we have are for:

  • Military members: A discount is available to eligible active or retired military members, veterans, and first responders.10
  • Animal care workers: This is a 10% discount on monthly premiums for animal care workers — such as veterinarians, shelter staff, vet technicians, and more.11
  • Healthcare workers: A discount is available to workers in the healthcare industry — like physicians, doctors, nurses, therapists, and more.10

We have additional discounts for pet parents engaged in other industries. These include our:

  • Deductible discount: Your pet's deductible automatically decreases by $50 each policy year you don't receive a reimbursement for a submitted claim.8
  • Internet purchase discount: If you purchase a policy online, you may be eligible for a discount on your first year of premiums.14
  • Employer discount: Those who enroll in a policy through their employer may receive a discount on their premium.15
Family running through the field with their dog

Free mobile app

Certain mobile applications can help make life easier — especially when they help you organize and keep track of information. MetLife Pet Insurance strives to make managing your pet parenting responsibilities a bit easier with our comprehensive mobile app. Free with your policy, you can use it to manage your pet’s vet records, submit and track claims, access a 24/7 vet chat service,2 and receive artificial intelligence-recommended articles to help you with your pet’s specific needs.

Preventive Care plan

As pet parents ourselves, we understand that your furry family doesn’t just need care when they’re sick. Part of pet care means ensuring they get the routine care they need to stay healthy. This is why we offer an optional Preventive Care plan  to enhance your standard illness and injury insurance policy. We can typically cover things like teeth cleaning, spay or neuter procedures, routine vet visits, vaccinations, and parasite prevention and treatment with this add-on.

Holistic coverage

Just like humans, pets may benefit from a holistic approach to health. That’s why we offer coverage for some holistic and alternative therapies — such as chiropractic care, vet-prescribed diet food, hydrotherapy, and acupuncture — as part of our standard plan. Whether your pet is on the road to recovery or you’re managing a chronic condition, you can explore alternative therapies that help them feel better.

Success stories

Here at MetLife Pet, we have over 15 years of experience serving pet parents. With benefits that go beyond covering vet costs for accidents and illnesses, you may find being part of our family is worth it for you. Here’s a real-life MetLife Pet success story and how these pet parents used their coverage.

Cody, a 9-year-old poodle from Pennsylvania, was playing around with his human siblings when he fractured one of his legs. He was rushed to the vet, and they examined his leg, took X-rays, and had a cast placed on it to help with healing. Between the exam, treatment, and pain medication, the vet bill totaled almost $6,300. With the help of their MetLife Pet policy, Cody’s pet parents were reimbursed over $5,800. After a few weeks of recovery, Cody is back to playing around, and his parents are all the more grateful that they’re prepared with dog insurance for when accidents happen.16

Take advantage of our 0-day accident waiting period,7 our family plans, and all of the other benefits a pet insurance policy with MetLife Pet offers. Start by getting a free, personalized quote for your beloved companions today.

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 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 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 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 and information found across the Figo 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.

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 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 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. May not be available in all states.

9 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.

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

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

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 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 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. ( the discount is 10% for Employer Groups and 5% for Associations).

16 All claims paid amounts are based on MetLife Pet internal claims data from October 2022. This example is for illustrative purposes only. This is based on a policy with a $500 deductible and 100% 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.

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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