ASPCA Pet Insurance vs. MetLife Pet Insurance

Three Minutes Aug 31, 2022
Beagle dog and brown cat lying together on the footpath outdoors in the park. Beagle dog and brown cat lying together on the footpath outdoors in the park. Beagle dog and brown cat lying together on the footpath outdoors in the park.

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 up by 12% since 2019 with 90.5 million families owning a cat, dog, or other animal in 2022.³

If you’re struggling to find a company that’s right for you and your cat or dog, MetLife Pet Insurance may be the one for you. MetLife brings more than 100 years of expertise in supporting American families' financial futures, while its pet insurance team has been helping pet owners protect their pets’ health and well-being for over 15 years.

What to Consider When Comparing Pet Insurance

Choosing an insurance provider is a big decision, but it doesn’t have to be a difficult one! There are a few factors to consider when comparing providers, including:

  • Coverage exclusions
  • Waiting periods
  • Coverage caps
  • Flexibility

It’s also important to keep in mind that policy rates are often influenced by things like where you’re located, as well as your pet’s breed and age.

ASPCA vs. MetLife Pet Insurance: At A Glance

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 well-known pet insurer, ASPCA Pet Insurance.

MetLife Pet Insurance Vs. ASPCA

Waiting Periods

Average Days to Reimburse


Burial, Cremation and Other Funeral

Family Plans(i.e, more than one pet)

Lost Pet Advertising

MetLife Insurance**

Accident: 0 Days
Illnesses: 14 Days



Yes, up to $500



ASPCA Insurance

Accident: 14 Days
Illnesses: 14 Days






** Some exclusions apply. Download Excelsheet.


Still searching? See how we compare to Pets BestNationwide, and Healthy Paws!

Other Reasons to Choose MetLife

Flexible Product Offerings and Dependability

  • Flexibility to choose from various levels of coverage with breed exclusions or upper age limits
  • No initial exam or previous vet records required to enroll
  • More than 100+ years of experience in core and voluntary benefits
  • Caring and passionate pet advocates who have been serving pet parents and their communities for 15+ years

Ready to Get Started?

MetLife offers customizable coverage with up to 100% reimbursement for various pet health care costs. Check out a pet insurance policy and keep your favorite vet knowing the unexpected won’t drain your savings account.

Protect your Pets

Join the 4.41 million pets that were ensured in North America in 20215.  Get started with a free quote or learn more about pet insurance here.

¹ Pet Insurance offered by MetLife Pet Insurance Solutions LLC is underwritten by Independence American Insurance Company (“IAIC”), a Delaware insurance company, headquartered at 485 Madison Avenue, NY, NY 10022, and Metropolitan General Insurance Company (“MetGen”), a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886, in those states where MetGen’s policies are available. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by IAIC and MetGen to offer and administer pet insurance policies. MetLife Pet Insurance Solutions LLC was previously known as PetFirst Healthcare, LLC and in some states continues to operate under that name pending approval of its application for a name change. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Solutions Agency LLC (Illinois), and such other alternate, assumed, or fictitious names approved by certain jurisdictions.

² Provided all terms of the policy are met. Application is subject to underwriting review and approval. Like most insurance policies, insurance policies issued by IAIC and MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

³ “Facts + Statistics: Pet Ownership and Insurance,” Insurance Information Institute

Coverage is subject to the language of the policies as actually issued. This comparison 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 January 1, 2022 and is subject to change without notice. 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.  To receive the latest information about other providers' available plans, please visit their website. Referenced publicly-available material for ASPCA included “Sample Plans for Dogs & Cats,” ASPCA Pet Health Insurance.

5 “Pet Insurance in North America,” North American Pet Health Insurance Association

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