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Trupanion vs MetLife Pet Insurance

COMPARISONS

MetLife Pet Insurance vs. Trupanion

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Choosing the best pet insurance for your family can feel like a challenge, but MetLife Pet can make it easier by helping you compare policies. Consider what’s most important to you as a pet parent while you read our comparison guide below and see how we match up against Trupanion^TM.¹

Compare Trupanion Pet Insurance vs. MetLife Pet**

Here’s a quick glance at how some of the MetLife Pet Insurance policy provisions compare with those of Trupanion.²

MetLife Pet's Plan Vs. Trupanion's Plan

Download the excel sheet

This table has 3 columns and 7 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	Trupanion Pet Insurance
Family Plan ³	undefined Yes	undefined No
Includes All Ages and Breeds ⁴	undefined Yes	undefined No
24/7 Telehealth Access ⁵	undefined Yes	undefined No
Grief Counseling ⁶	undefined Yes	undefined No
Add-on Wellness and Preventive Care	undefined Yes	undefined No
Add-on Dental Cleaning and Care	undefined Yes	undefined No
Add-on Spaying/Neutering	undefined Yes	undefined No
0-Day Accident Waiting Period ⁷	undefined Yes	Only with select offers
Holistic/Alternative Therapy	undefined Yes	Optional add-on
Prescriptions	undefined Yes	undefined Yes
No Per-Incident Limits	undefined Yes	undefined Yes
Reimbursement	Flexible (50% – 90%) ⁸	90% (customizable in some states)
Average Deductible	Flexible ($0 – $2,500) ⁹	Flexible ($0 – $1,000 per condition over your pet’s lifetime)
Illness Waiting Period	14 days ⁷	30 days, or waived with select offers
Days to Reimburse	Most claims reimbursed within 5 days	Paid at checkout if the vet participates in VetDirect Pay™ — if not, 70% of claims reimbursed within 24 hours
Days to Submit Claim	90	90
NerdWallet Rating ¹⁰	5.0 stars	4.0 stars
NerdWallet Callout ¹⁰	“Customizable plans for dogs, cats, and even other animals in some states.” ¹⁰	“Generous coverage with features that stand out from the crowd.”¹⁰

This table has 3 columns and 7 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	Trupanion Pet Insurance
Family Plan ³	undefined Yes	undefined No
Includes All Ages and Breeds ⁴	undefined Yes	undefined No
24/7 Telehealth Access ⁵	undefined Yes	undefined No
Grief Counseling ⁶	undefined Yes	undefined No
Add-on Wellness and Preventive Care	undefined Yes	undefined No
Add-on Dental Cleaning and Care	undefined Yes	undefined No
Add-on Spaying/Neutering	undefined Yes	undefined No
0-Day Accident Waiting Period ⁷	undefined Yes	Only with select offers
Holistic/Alternative Therapy	undefined Yes	Optional add-on
Prescriptions	undefined Yes	undefined Yes
No Per-Incident Limits	undefined Yes	undefined Yes
Reimbursement	Flexible (50% – 90%) ⁸	90% (customizable in some states)
Average Deductible	Flexible ($0 – $2,500) ⁹	Flexible ($0 – $1,000 per condition over your pet’s lifetime)
Illness Waiting Period	14 days ⁷	30 days, or waived with select offers
Days to Reimburse	Most claims reimbursed within 5 days	Paid at checkout if the vet participates in VetDirect Pay™ — if not, 70% of claims reimbursed within 24 hours
Days to Submit Claim	90	90
NerdWallet Rating ¹⁰	5.0 stars	4.0 stars
NerdWallet Callout ¹⁰	“Customizable plans for dogs, cats, and even other animals in some states.” ¹⁰	“Generous coverage with features that stand out from the crowd.”¹⁰

This table has 3 columns and 7 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	Trupanion Pet Insurance
Family Plan ³	undefined Yes	undefined No
Includes All Ages and Breeds ⁴	undefined Yes	undefined No
24/7 Telehealth Access ⁵	undefined Yes	undefined No
Grief Counseling ⁶	undefined Yes	undefined No
Add-on Wellness and Preventive Care	undefined Yes	undefined No
Add-on Dental Cleaning and Care	undefined Yes	undefined No
Add-on Spaying/Neutering	undefined Yes	undefined No
0-Day Accident Waiting Period ⁷	undefined Yes	Only with select offers
Holistic/Alternative Therapy	undefined Yes	Optional add-on
Prescriptions	undefined Yes	undefined Yes
No Per-Incident Limits	undefined Yes	undefined Yes
Reimbursement	Flexible (50% – 90%) ⁸	90% (customizable in some states)
Average Deductible	Flexible ($0 – $2,500) ⁹	Flexible ($0 – $1,000 per condition over your pet’s lifetime)
Illness Waiting Period	14 days ⁷	30 days, or waived with select offers
Days to Reimburse	Most claims reimbursed within 5 days	Paid at checkout if the vet participates in VetDirect Pay™ — if not, 70% of claims reimbursed within 24 hours
Days to Submit Claim	90	90
NerdWallet Rating ¹⁰	5.0 stars	4.0 stars
NerdWallet Callout ¹⁰	“Customizable plans for dogs, cats, and even other animals in some states.” ¹⁰	“Generous coverage with features that stand out from the crowd.”¹⁰

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

Is MetLife Pet the Right Provider for You and Your Furry Family?

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Reasons To Consider MetLife Pet Insurance Over Trupanion

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 Trupanion’s policies.

Shorter Waiting Period

MetLife Pet Insurance offers a 0-day waiting period⁷ for accidents and 14 days for illnesses. Without select offers, Trupanion has a 5-day waiting period for accidents and 30 days for illnesses.²

Comprehensive Coverage

Exam fee coverage is built into MetLife Pet policies, with the option to add preventive care. Trupanion doesn’t cover exam fees, alternative therapies typically cost extra, and there are no preventive care add-ons.²

Multipet Discounts

If you have more than one pet, you can get a discounted rate with MetLife Pet’s family plan or keep individual policies and get a multi-policy discount.^3,11 Trupanion doesn’t offer either option.²

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.¹²

Optional Preventive Care Coverage

You can add our optional Preventive Care Plan to your policy and get reimbursed8 for routine and wellness expenses, up to your policy’s annual limit.¹³

Discounts

We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.^11,14

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.³

Get the Award-Winning¹⁵ Coverage They Deserve

With more than 15 years of experience insuring pet parents across the country, 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. Just like Oregon pup, Teague.

Teague, a 2-year-old dog, is the light of his owner’s life, so they enrolled him in a dog insurance policy early on to help protect him. Afterward, Teague was diagnosed with liver disease and gallstones and later suffered from stomach issues. Teague was taken to the vet for an exam, where he was also diagnosed with gastroenteritis. After supportive care and medication to help him feel better, Teague’s owner was charged around $3,500.¹⁶

MetLife Pet covered $3,200 of the $3,500 bill.¹⁶ Get coverage, like Teague’s family did, for your pets — so your finances can be covered for unexpected vet bills and you can focus on their care.

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Coverage is subject to the language of the policies as actually issued. This comparison or description of Trupanion policy(ies) was not furnished by Trupanion. It was prepared solely by MetLife Pet Insurance based on publicly available summary information about competitors' offerings and highlights selected coverages of the policies referenced as of November 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 Trupanion. Referenced publicly- available material for Trupanion 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 MetLife Pet Insurance is not authorized, endorsed, or sponsored by the respective owners of Zelle, or any other third-party marks.

² Based on Trupanion’s sample policy, retrieved from https://trupanion.com/pet-insurance/policy/view-sample-policy, and information found across the Trupanion website.

³ 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.

⁴ Coverage options may be limited for certain ages.

⁵ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife 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.

⁶ 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.

⁷ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy 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 November 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 Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

⁹ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

¹⁰ Based on a November 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.

¹¹ When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

¹² Information gathered from the MetLife Pet Animal Welfare Team.

¹³ “Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.“

¹⁴ Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.

¹⁵ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards.

¹⁶ All claims paid amounts are based on MetLife Pet internal claims data from November 2023. This example is for illustrative purposes only. This is based on a policy with a $500 deductible and 90% 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.

Pet Insurance coverage issued by Metropolitan General Insurance Company, 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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