MetLife Pet Insurance vs. Lemonade: How Does Lemonade Compare?

Five Minutes
May 02, 2023

Many pet parents know that choosing the right pet insurance for your four-legged 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 we measure up to our competition. Read on to see how we compare to Lemonade.

Lemonade vs. MetLife Pet Insurance

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

MetLife Pet Vs. Lemonade**

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 the excel sheet that compares Lemonade and MetLife Pet Insurance.

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

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 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
  • Shared deductible: If you have multiple cats or dogs in your family, you can insure up to three of them on the same MetLife Pet policy with a shared deductible. You may be limited to separate deductibles with insurers like Lemonade.6
  • Supportive care: MetLife Pet covers holistic and alternative therapies, grief counseling,2 boarding costs, and lost pet advertising and rewards. Other insurers like Lemonade may not offer this kind of supportive care, or may offer for an additional cost.


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 a worthwhile investment for you and your furry friend.

MetLife Pet cares

At MetLife Pet, we have an ongoing commitment to support shelters with care and operational costs. In 2021, we contributed $500,000 to our premier animal rescue shelter partners across the country.8

To show our gratitude to pet parents in healthcare, animal care, and the armed forces, we offer discounts to eligible customers in these fields.9,10 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 with 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.11 Here are some of the things you can do with the app:

  • Access a 24/7 telehealth chat service with veterinarians who can answer your questions
  • Search for pet services in your area
  • Submit claim documents, relevant vet records, and invoices
  • Get recommendations and articles tailored to you and your pet

Wondering what kind of questions the on-call vets in our app can answer? Here are a few questions we’ve answered for customers:

  • My dog is reverse sneezing. Is she okay?
  • I gave my dog a new treat and now he’s vomiting. Should I take him to the vet?
  • My cat recently had surgery and she’s been having diarrhea since we brought her home. Is this normal?

Holistic care and alternative therapies

Alternative therapies can help pets manage pain in old age or even aid in recovery from a surgery. Treatments like hydrotherapy, laser therapy, and acupuncture may not be covered under policies from other insurers but may be covered under ours.

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 and was hospitalized and treated for bite wounds. After a short stay at the hospital to get him the care he needed, Frank’s parents were charged around $13,000. Luckily, 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.12

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.

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 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 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, and information found across the Lemonade 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.

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 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

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

12 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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