MetLife Pet Insurance vs. Lemonade

Five Minutes
Mar 05, 2024

Many pet parents know that choosing the right pet insurance for your furry family member can be difficult, especially with so many options available. MetLife Pet Insurance wants to make life easier for dog and cat lovers alike, so we put in the work to show you how our coverage measures up to our competition. Read on to see how we compare to pet insurance from Lemonade.

Compare MetLife Pet Insurance** vs. Lemonade

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

MetLife Pet's Plan Vs. Lemonade'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
Lemonade Pet Insurance
Wellness and Preventative Care

Yes (optional add-on coverage)2

Yes (optional add-on coverage)




Holistic/Alternative Therapy


Yes (optional add-on coverage)

Dental Cleaning and Care

Yes (optional add-on coverage)

Yes (optional add-on coverage)

24/7 Telehealth Access



Cancer Coverage



Euthanasia/Cremation undefined



Yes (optional add-on coverage)

Grief Counseling



Spaying and Neutering

Yes (optional add-on coverage)

Yes (optional add-on coverage for puppies and kittens only)




Lost Pet Advertising and Reward



Includes All Ages and Breeds


Check with provider

No Per-Incident Limits




Flexible (50% – 90%)5

Flexible  (70% – 90%)

Average Deductible

Flexible ($0 – $2,500)6

Flexible ($100 – $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)

Can be as soon as same day

Days to Submit Claim


180 (90 in Texas)

NerdWallet Rating9

5.0 stars

4.0 stars

NerdWallet Callout9 “Customizable plans for dogs, cats, and even other animals in some states.”9 “Seamless online experience
and quick claims, but limited policy 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.

Reasons To Consider MetLife Pet Insurance Over Lemonade

We know that 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 Lemonade’s policies:

  • Shorter waiting period: Accidents can happen in the blink of an eye, and it’s important to be prepared with an insurance plan that has you covered. MetLife Pet Insurance has a 0-day waiting period7 for accident coverage, while Lemonade has a 2-day waiting period.1
  • Family plans: MetLife Pet is the only pet insurance provider that allows you to add multiple pets on the same policy with a shared deductible.9 Cover up to three pets with our family plans — even mix and match dogs and cats — to help you hit your deductible and have your insurance coverage kick in faster.
  • Supportive care: MetLife Pet offers coverage for grief counseling,4 boarding costs, and lost pet advertising and rewards. Other insurers, like Lemonade, may not offer this kind of supportive care.

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?

MetLife Pet Insurance offers customizable policies that work for you and your pet, so they have coverage from nose to tail. Learn why pet insurance may be worth it for you and your furry friend.

MetLife Pet cares

About our community: At MetLife Pet, we have an ongoing commitment to support shelters with care and operational costs. In 2023, we donated more than $1.3 million to our animal shelter partners across the country. We also announced our Golden Beagle Award — a $20,000 award that goes to an animal welfare organization finding forever homes for large-breed dogs.

But it doesn’t stop there! We strive to provide pet health education that can help pet parents care for their companions throughout their lives. And if you adopt a dog or cat through one of our partner shelters, you may be able to enroll in a MetLife Pet policy right there — making it easier to get the coverage you need from the start.

About our customers: To show our gratitude to pet parents in animal care, healthcare, and the armed forces, we offer discounts to eligible customers in these fields.10,11 MetLife Pet may also help cover boarding costs if you’re hospitalized and unable to care for your pet.

Free mobile app

MetLife Pet Insurance has an easy-to-use mobile app to provide our customers a seamless experience. The MetLife Pet app is free to our policyholders, while other insurers may offer this as a subscription service for an additional cost.12 Get artificial-intelligence-recommended articles tailored to your pet’s needs, chat with vets 24/7 using our telehealth3 feature, submit claims, manage vet records — and more — all in one place!


At MetLife Pet, we strive to offer a suitable coverage at competitive rates. To increase accessibility, we also 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.8

Animal care discount: We offer a 10% discount for veterinarians, animal care facility staff, shelter personnel, and more.10

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

Internet purchase discount: This applies to the first year of premiums.13

Employer benefit discount: We offer a discount to customers who enroll in a policy through their workplace.14

Preventive Care plan

We strive to help you afford the best care for your pet — whether they’re sick and need treatment or are healthy and going in for routine checkups. To enhance your standard illness and injury plan’s coverage, you can add on our Preventive Care plan. This optional plan can typically help cover costs associated with teeth cleanings, routine vet visits, spay or neuter procedures, and vaccinations, as well as parasite prevention and treatment.2

Holistic coverage

Alternative therapies can help pets manage pain in old age or aid in recovery from a surgery. To help make the costs easier to manage, we offer coverage for holistic treatments — like hydrotherapy, chiropractic care, laser therapy, herbal remedies, and acupuncture.

Success stories

MetLife Pet Insurance has more than 15 years of experience insuring pet parents across the country. Here’s a success story from a real customer and their pet.

Frank, a 1-year-old Siberian cat, was playing outside his family’s San Jose home when he was attacked by a neighborhood stray. He was rushed to the vet for emergency care, where he was hospitalized and treated for bite wounds. After a short stay at the hospital, Frank’s parents were charged around $13,000. With their MetLife Pet Insurance policy, they were reimbursed around $10,000. Now, Frank is recovering safely at home and taking a break from exploring the great outdoors.15

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. 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.

Take the Next Step in Your Research

See Personalized Rates

Coverage is subject to the language of the policies as actually issued. This comparison or description of Lemonade policy(ies) was not furnished by Lemonade. 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 January 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 Lemonade. Referenced publicly- available material for a Lemonade 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 a Lemonade Pet Insurance sample plan, retrieved from, February, 2024 and information found across the Lemonade website.

2 For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.

3 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.

4 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. Not available to NY residents.

5 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.

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 January 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 $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.

9 Based on a January 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 A discount is applicable to staff/owners of animal care facilities.  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 "The 8 best online veterinarians of 2023,” Business Insider

13 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.

14 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).

15 All claims paid amounts are based on MetLife Pet 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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