ASPCA Pet Insurance vs. MetLife Pet Insurance

Three Minutes
May 05, 2023

Pet insurance can be a great way to help keep your pet healthy, but how do you know which provider is right for you? There are dozens of companies that have entered the U.S pet insurance market — and for good reason! Pet ownership is on the rise with 90.5 million families owning a cat, dog, or other animal in 2022.1

To get you started on your journey to finding the right insurer for you, 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) policy.

ASPCA vs Metlife Pet Insurance2

Don’t want to waste time doing a ton of research? No problem! Here’s a look at how some of MetLife Pet’s policy provisions compare with those of the well-known ASPCA.3

MetLife Pet Insurance* Vs. ASPCA

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.

**Some exclusions apply. Review MetLife Pet’s coverage and exclusions page to learn more about how we can help protect your pet!

For an accessible or screenreader-friendly view, check out our excel sheet  that breaks down the coverage differences between MetLife Pet Insurance and the ASPCA.

Why Consider MetLife Pet Insurance Over ASPCA

What makes MetLife Pet stand out over ASPCA’s coverage? Here are a few ways MetLife Pet comes out on top:

  • We offer multipet policies: No other pet insurances offer multipet policies.9 We let you mix and match up to three cats and dogs on one policy with a shared deductible. This way, all of your pets’ covered injuries and illnesses are counted toward one deductible, rather than separate ones. ASPCA offers a 10% multipet discount if you purchase multiple separate policies, however, each pet will still have an individual deductible for you to meet.10
  • We don’t have a minimum age: Cats and dogs of all ages are eligible for a MetLife Pet Insurance policy. Meanwhile, ASPCA typically requires pets to be at least 6 weeks old for eligibility.3
  • We have affordable premiums: MetLife Pet Insurance monthly premiums start at $9 for cats and $15 for dogs.11 Meanwhile, a sample ASPCA Pet Insurance monthly premium can start at $16.12 Like MetLife Pet, their prices vary and can go up from there, depending on factors including your pet’s size, breed, age, gender, and location.
  • We cover lost pet expenses: MetLife Pet works with pet owners to find lost pets. In the event your furry friend goes missing, we can help cover advertising and a reward. This way you can get the word out and incentivize people to watch out for your pet. ASPCA doesn’t cover lost pet expenses.3


Protect your Pets

Does this coverage fit the bill? Start your pet insurance journey today by getting a free quote!

Wondering how we stack up against other competitors in the pet insurance space? Keep researching with our Nationwide, Pets Best, and Healthy Paws comparison pages, or hop over to our frequently asked questions page.

Why Choose MetLife Pet Insurance?

MetLife Pet offers customizable coverage options with up to 90% reimbursement for various pet health care costs. We work with all licensed veterinarians across the U.S., letting you keep your favorite vet! This way you can focus on caring for your pet the way you want to, knowing the unexpected won’t drain your savings account.

Here are a few more ways a MetLife Pet Insurance policy stands out:

Deductible and premium discounts

MetLife Pet is all about helping pet parents save on the ever-growing costs of pet care. We offer a few discounts in an effort to make pet insurance more accessible.

  • Deductible discount: For every policy year you don’t submit a claim and get reimbursed, your policy’s deductible automatically decreases. We offer a $25 discount for policies underwritten by IAIC and $50 discount for policies underwritten by MetGen.8
  • Service members discount: Veterans, active service members, and first responders may be eligible for a discount on their monthly premiums.13
  • Animal care workers discount: Animal care workers such as veterinarians, vet techs, shelter workers, and veterinary physical therapists may be eligible for a 10% discount on their monthly premiums.14
  • Healthcare workers discount: Healthcare workers such as doctors, nurses, physicians, pharmacists, and therapists may be eligible for a discount on their monthly premiums.13
  • Employer discount: Pet parents who enroll in a policy through their employer may be eligible for a discount on their monthly premiums.15
  • Internet purchase discount: People who purchase a policy online may be eligible for a discount on their monthly premiums.16

Comprehensive mobile app

MetLife Pet’s mobile app is a unique space for pet parents to submit claims, maintain veterinary records, and access telehealth options. And the best part? Policyholders get free access to all its benefits!

ASPCA’s My Pet Insurance App lets pet parents submit claims, find nearby clinics, pay bills, and access poison control.3 However, it doesn’t provide the 24/7 telehealth feature that MetLife Pet does.3,

Wondering why your dog isn’t eating or why your cat may be constipated? That’s what we’re here for! Our app gives you access to veterinarians you can chat with at any time to help answer your pet-related questions.

Commitment to our community

MetLife Pet Insurance exists to empower pet owners to give their pets the best medical care available. We don’t want money to be top of mind when making veterinary care decisions. However, our mission doesn’t stop there. Here are a few ways MetLife Pet invests in our community:

  • In gratitude to veterans, active military service members, animal care workers, first responders, and healthcare workers, we offer discounts on their monthly premiums.13,14
  • To help care for shelter animals, we contributed $500,000 in 2021 to our partners and animal rescues all over the U.S. This went directly towards both caring for rescued animals and operations costs.
  • In the event you’re hospitalized, we may be able to help cover boarding fees for your pets. We want to make sure your pets are well cared for, when you’re not physically able to do so. This gives you peace of mind to focus on your own healing without worrying about your pets.

Fast claims process and accident coverage

MetLife Pet Insurance works hard to ensure pet parents are covered as soon as possible and reimbursed soon after a claim is submitted.

Our claims process is easy. First, submit the vet bill and any veterinary records to us through the app, online portal, email, snail mail, or even fax! We’ll process your claim and reimburse you typically within 10 days. Meanwhile, ASPCA may take up to 30 days to reimburse you.3

We also have one of the shortest waiting periods for accident coverage. Our accident coverage kicks in at midnight after you enroll your pet,17 whereas ASPCA’s accident coverage typically doesn’t kick in for 14 days after enrollment.3

Holistic medicine

Our pets have the potential to benefit from holistic treatment just like us. Rather than just treating symptoms, holistic medicine focuses on treating the whole body to promote overall wellness.

At MetLife Pet, we believe in empowering pet owners to care for their pets as members of the family. As such, we may cover alternative treatments such as acupuncture, hydrotherapy, chiropractic care, massage, and laser therapy.

Success stories

While comparison charts and bullet points can help break down what MetLife Pet covers, they’re not the same as seeing how a policy helped a real pet. Here’s a recent claim story that may give you a better idea if MetLife Pet Insurance is worth it for you.

Ezzie, a 6-year-old Chesapeake Bay retriever, injured her right front leg. She experienced lameness and pain as she limped around. Her pet parents took her to the vet for an exam, where they were referred to a physical therapist.

The therapeutic treatment cost just under $4,000, but their MetLife Pet Insurance policy covered the entire bill.18 Imagine having that kind of coverage if your pet gets an injury or illness.

If you’re looking to find a company that’s right for you and your cat or dog, MetLife Pet Insurance may be the one. The MetLife Pet team has been helping pet owners protect their pets’ health and well-being for over 15 years. And the 2023 Pet Independent Innovation Awards named MetLife Pet the “Pet Insurance of the Year.”19 Your pet deserves the best, so take the next step by getting a free quote today!

Ready? Start your free quote

What's your pets's name?

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 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 ASPCA. Referenced publicly-available material for ASPCA 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 “Facts + Statistics: Pet Ownership and Insurance,” Insurance Information Institute

2 As with any insurance policy, coverage may vary. Learn how MetLife Pet pet insurance works and review our coverage and exclusions.

3 Based on ASPCA’s sample policies, retrieved from, and information found across the ASPCA website.

4 For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.

5 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.

6 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.

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

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.

Based on a March 2022 review of publicly available summary information about competitors’ offerings. 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 IAIC family plan policies are limited to dogs and cats under the age of 10. MetGen family plan policies are limited to dogs under the age of 13 and cats under the age of 15. Multi-policy discount is not available with Family Plans. 

11 Calculation based upon select plans and coverages. Actual rates may vary based on pet age, breed, location, deductible, reimbursement rate, and annual limits you choose. For IAIC policies, premium is also based upon pet gender.

12 “ASPCA Pet Health Insurance 2021 Review: Coverage, Costs, and Fine Print,” Pawlicy Advisor

13 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.

14 A discount is applicable to staff/owners of animal care facilities. Not available in NY. When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

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. (IAIC policies, the discount is 10% for Groups > 1000 lives and 5% for Groups 51-999 lives. MetGen policies, this discount is 10% for Employer Groups and 5% for Associations).

16 When coverage is purchased on-line, a premium discount will apply during the first year of the policy.

17  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. 

18  All claims paid amounts are based on MetLife internal claims data from October 2022. Story altered for illustrative purposes.

19 “2023 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, 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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