COMPARISONS
MetLife Pet Insurance vs. Pumpkin
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Finding the best pet insurance for you and your pets can mean doing a lot of research. We want to make this process easier by providing information to help you compare your options. Read on to see how MetLife Pet compares to Pumpkin and some of the ways we may stand out.
Compare Pumpkin Pet Insurance vs. MetLife Pet**
Here’s a glance at how some of the MetLife Pet Insurance policy provisions compare with those of Pumpkin.1
MetLife Pet’s Plan vs. Pumpkin’s Plan
MetLife Pet Insurance |
Pumpkin Pet Insurance |
|
---|---|---|
Family Plan2 | Yes |
No |
0-Day Accident Waiting Period3 | Yes |
No |
Grief Counseling4 | Yes |
No |
Includes All Ages and Breeds5 | Yes |
Yes |
Holistic Therapy | Yes |
Yes |
Add-on Wellness and Preventive Care | Yes |
Yes |
Add-on Dental Cleaning and Care | Yes |
Yes |
Add-on Spaying/Neutering | Yes |
Yes |
24/7 Telehealth Access6 | Yes |
Yes |
Prescriptions | Yes |
Yes |
No Per-Incident Limits | Yes |
Yes |
Reimbursement | Flexible (50% – 90%)7 |
Flexible (80% or 90%) |
Average Deductible | Flexible ($0 – $2,500)8 |
Flexible ($100 – $1,000) |
Illness Waiting Period |
14 days3 |
14 days |
Days to Reimburse | Most claims reimbursed within 5 days |
Most claims reimbursed in a few days |
Days to Submit Claim | 90 |
270 |
NerdWallet Rating9 | 5.0 stars |
4.5 stars |
NerdWallet Callout9 | "Customizable plans for dogs, cats and even other animals in some states.”9 | "Offers a comprehensive accident and illness plan that includes coverage for dental illnesses and some pre-existing conditions."9 |
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
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Reasons To Consider MetLife Pet Insurance Over Pumpkin
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 Pumpkin’s policies.
Shorter Waiting Period
For virtually immediate coverage of unexpected injuries, MetLife Pet Insurance offers a 0-day waiting period3 for accidents. Pumpkin has a 14-day waiting period for accidents.1
Free Vet Chat With Standard Plan
MetLife Pet’s standard plan comes with access to a free 24/7 vet telehealth chat6 in the MetLife Pet app. Pumpkin doesn’t have an app, and you can only get access to their vet chat if you buy the Wellness Club package.1
More Plan Customization Options
To help support a wide range of budgets and needs, MetLife Pet offers more reimbursement rates7 and deductibles8 to choose from than Pumpkin — who only offers two reimbursement rates and four deductible options.1
Ways MetLife Pet Takes Care of Their Pack
When purchasing 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.10
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.11
Discounts
We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.12,13
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.2
Get the Award-Winning14 Coverage They Deserve
With more than 15 years of experience insuring pet parents across the country, we work hard to help you get your pets the care they need — so you can focus on giving them the happy, healthy life they deserve. Just like South Carolina pup, Judy.
Judy, a 1-year-old boxer, started showing signs of lethargy, lack of appetite, and vomiting after staying at a doggie boarding facility during her family’s vacation. Judy’s parents brought her to the vet. After running tests, the vet diagnosed Judy with parvovirus and immediately began treatment. The exam, diagnostics, and treatment cost around $5,500.15
MetLife Pet covered $4,950 of the $5,500 bill.15 Get coverage, like Judy’s family did, for your pets — so your finances can be covered for unexpected vet bills, and you can focus on their care.