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ASPCA vs MetLife Pet Insurance

COMPARISONS

MetLife Pet Insurance vs. ASPCA

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Pet insurance can be a great way to help keep your pet healthy and safeguard your finances. But how do you know which provider is the best choice for you? To help you find the right insurer, let’s take a look at how a MetLife Pet policy stacks up against an American Society for the Prevention of Cruelty to Animals (ASPCA®) insurance policy.¹

Compare ASPCA Pet Insurance vs. MetLife Pet**

Here’s a glance at how some of the MetLife Pet Insurance policy provisions compare with those of the ASPCA’s Complete Coverage^SM plan.^1,2

MetLife Pet's Plan Vs. ASPCA's Plan

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Grief Counseling
Includes All Ages and Breeds
24/7 Telehealth Access
Holistic/Alternative Therapy
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100, $250, or $500)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Up to 30 days (9 days on average)
Days to Submit Claim	90	270
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Generous coverage and multiple plan options, including an accident-only policy."





Grief Counseling
Includes All Ages and Breeds
24/7 Telehealth Access
Holistic/Alternative Therapy
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100, $250, or $500)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Up to 30 days (9 days on average)
Days to Submit Claim	90	270
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Generous coverage and multiple plan options, including an accident-only policy."





Grief Counseling
Includes All Ages and Breeds
24/7 Telehealth Access
Holistic/Alternative Therapy
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100, $250, or $500)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	Up to 30 days (9 days on average)
Days to Submit Claim	90	270
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Generous coverage and multiple plan options, including an accident-only policy."

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.

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

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Reasons To Consider MetLife Pet Insurance Over ASPCA

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 ASPCA's policies.

Shorter Waiting Period

For virtually immediate coverage, MetLife Pet Insurance offers a 0-day waiting period⁴ for accidents while ASPCA has a 14-day waiting period for accidents.²

Supportive Care

MetLife Pet offers coverage for boarding costs, lost pet advertising and rewards, and any vet-prescribed food. ASPCA policies don’t offer this kind of supportive care.²

Quick Reimbursements

You could be waiting longer for reimbursements with ASPCA. After you submit your claim, MetLife Pet typically reimburses covered costs within 5 days. With ASPCA, it could be 9 days or more.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.¹¹

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.¹²

Discounts

We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.^13,14

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 Texas pup, Frank.

Frank, a 2-year-old beagle, is a curious pup who got into the garbage and ate some chicken bones leftover from dinner. He started acting really sick, so his family took him to the vet. After diagnostics and supportive care, they had to surgically remove the chicken bones to avoid further damage. The surgery and hospitalization cost around $5,900.¹⁶

MetLife Pet covered $5,300 of the $5,900 bill.¹⁶ Get coverage, like Frank’s family did, for your pets — so your finances can be covered for unexpected vet bills and you can focus on their care.

Take the Next Step in Your Research

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Coverage is subject to the language of the policies as actually issued. This comparison or description of ASPCA policy(ies) was not furnished by ASPCA. 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 ASPCA. Referenced publicly-available material for ASPCA sample plan. Retrieved from https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/. 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 ASPCA’s sample policies, retrieved from https://www.aspcapetinsurance.com/more-info/state-documents-and-sample-policies/, and information found across the ASPCA 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 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.

⁵ 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.

⁶ Coverage options may be limited for certain ages.

⁷ 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.

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 Information gathered from the MetLife Pet Animal Welfare Team

¹² Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

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 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 $100 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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