PET INSURANCE

MetLife Pet Insurance vs. Spot

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Ensuring the health and well-being of our pets is a top priority for pet parents. Choosing the right pet insurance policy can be an overwhelming part of this with so many options available in the market. It’s important to carefully consider factors like coverage, deductibles, and policy terms to find the right fit for you and your pet.

We’re here to help make things simpler. Read on to learn how a MetLife Pet policy measures up to Spot™ pet insurance.¹

Compare Spot vs. MetLife Pet Insurance**

Ever wondered how Spot fares against MetLife Pet insurance? Here’s a snapshot of Spot’s accident and illness policy provisions to help you make an informed decision.¹

MetLife Pet’s Plan vs. Spot's Plan

Download the excel sheet

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	Spot Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia/Cremation	Yes	Yes
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying/Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	Yes (exclusions apply)
Family Plan (Multiple Pets on One Policy)	Yes⁴	No
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁵	Flexible (up to 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Typically within 3 days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	“Offers a wide range of coverage choices for pet owners but won’t pay your vet directly.”⁹

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	Spot Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia/Cremation	Yes	Yes
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying/Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	Yes (exclusions apply)
Family Plan (Multiple Pets on One Policy)	Yes⁴	No
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁵	Flexible (up to 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Typically within 3 days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	“Offers a wide range of coverage choices for pet owners but won’t pay your vet directly.”⁹

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	Spot Pet Insurance
Wellness and Preventative Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (exclusions apply)
Dental Care	Yes (optional add-on coverage)	Yes (optional add-on coverage)
24/7 Telehealth Access	Yes²	Yes
Cancer Coverage	Yes	Yes
Euthanasia/Cremation	Yes	Yes
Grief Counseling	Yes³	No
Boarding	Yes	No
Spaying/Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	Yes (exclusions apply)
Family Plan (Multiple Pets on One Policy)	Yes⁴	No
No Per-Incident Limits	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁵	Flexible (up to 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	Typically within 3 days
Days to Submit Claim	90	270
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	"Customizable plans for dogs, cats and even other animals in some states.”⁹	“Offers a wide range of coverage choices for pet owners but won’t pay your vet directly.”⁹

A “No” accompanied 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 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 Spot

To choose the best pet insurance for your furry friend, it’s crucial to understand what sets pet insurance providers apart. Here are a few reasons you may choose us over Spot:

Supportive care: MetLife Pet offers a comprehensive range of supportive services, such as grief counseling,³ lost pet advertising and awards, and boarding costs. This level of supportive care may not be offered by Spot or other insurers.
Shorter waiting period: When accidents strike, you need coverage that kicks in right away. With MetLife Pet Insurance, there’s a 0-day waiting period⁷ for accident coverage — unlike Spot’s 14-day waiting period.¹
Family coverage: MetLife Pet is the only provider that offers family plans — letting you insure up to three pets under one policy with a shared deductible.^4,9 Spot offers a 10% multi-pet discount, but each pet still needs to meet their own deductible.¹

Why Choose MetLife Pet Insurance?

From customizable coverage to flexible reimbursements, a MetLife Pet policy is committed to ensuring the best care and protection for your beloved pet, without breaking the bank. With the help of MetLife Pet, you can focus on your pet’s care and recovery. Here’s why our coverage might be worth it for you.

MetLife Pet cares

About the community: At MetLife Pet, our dedication to animal welfare is at the heart of everything we do. In 2023, we donated over $1.3 million to support our animal shelter partners across the country. Additionally, our Golden Beagle Award offers a $20,000 grant to animal welfare organizations striving to find loving homes for larger breed dogs.

But beyond insurance coverage, we also empower pet parents with the knowledge and resources to properly take care of their furry companions. Furthermore, when you adopt a pet from one of our partner shelters, you may be able to enroll in MetLife Pet Insurance right away — providing coverage for your newest family member from the start.

About our customers: We offer special discounts to those who serve our community, including eligible customers in the animal care field or military.^10,11 And if you’re hospitalized, our policies may include coverage for boarding costs to help take care of your pet when you’re unable to.

Free mobile app

Our user-friendly mobile app is available to MetLife Pet Insurance policyholders. Unlike other insurers that may charge for this service, the MetLife Pet app is included as part of your policy, at no additional cost.¹²

The MetLife Pet mobile app is a convenient place for pet owners to handle claims, chat with a vet via our 24/7 telehealth service,² manage their pet’s vet records, and receive articles recommended by artificial intelligence tailored to their pet’s needs.

Discounts

At MetLife Pet, we want you to get the most out of your pet insurance policy while saving money along the way. To help, we provide an assortment of discounts to eligible policyholders.¹³

Deductible discount: Your pet's deductible automatically decreases by $50 (for MetGen underwritten policies) each policy year you don't receive a reimbursement for a submitted claim.⁸

Internet purchase discount: This applies to the first year of premiums.¹⁴

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

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

Healthcare workers: A discount is available to people who work in the healthcare industry — such as doctors, nurses, physicians, and more.¹¹

Employer benefit discount: This is offered to policyholders who enroll through their workplace.¹⁵

Preventive Care plan

We offer an optional add-on Preventive Care plan that’s designed to elevate the coverage provided by your standard illness and injury plan. It can typically assist with expenses related to routine vet visits, teeth cleanings, spay and neuter procedures, vaccinations, as well as parasite prevention and treatment.

Holistic coverage

Alternative treatments like acupuncture, hydrotherapy, and chiropractic care can offer invaluable support to our pets, whether they’re managing pain in old age or recovering from surgery. At MetLife Pet, we understand this, and that’s why we offer coverage for holistic therapies — ensuring your pet gets the care they deserve.

Success stories

With over 15 years of experience helping to protect your pets and your wallet, we’ve amassed quite a few success stories. Here are just some of the ways a MetLife Pet Insurance policy helped real-life pet parents.

Agnes, a mixed-breed pup from New York, got into some chocolate-covered raisins and began vomiting and having severe diarrhea. Her pet parents took her to the vet to get a theobromine and caffeine toxicity exam to assess for food poisoning and help determine the gravity of the situation. After extensive tests, her vet bill was well over $3,000 — but her parents had a MetLife Pet Insurance policy, which reimbursed them over $2,000.¹⁶

And when Blossom, a golden retriever from South Carolina, needed emergency surgery to remove a tumor on her spleen, her vet bill came out to around $8,200. But with MetLife Pet Insurance, Blossom’s family saved over $5,200, after their policy reimbursed them.¹⁷

Want to explore more and find out if pet insurance is worth it for you? Get started today, and fetch a free quote from MetLife Pet, winner of the 2024 “Pet Insurance of the Year” award.¹⁸

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

²Virtual 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.

³Grief 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.

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.

⁵ 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 applicable to staff/owners of animal care facilities.

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 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 80% 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.

¹⁷ 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 $250 deductible and 80% 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.

¹⁸“2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

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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