MetLife Pet Insurance vs. Healthy Paws: How Do They Compare?

Five Minutes
May 03, 2023

Nowadays, there are multiple pet insurance companies, and it can be a challenge to find pet insurance that’s right for you. You can make the decision a little bit easier by doing a little research before you commit to a policy. Read on to see how MetLife Pet Insurance compares to Healthy Paws.

MetLife Pet Insurance1 vs. Healthy Paws

Healthy Paws has one plan that covers accidents and illnesses. Here’s a quick glance of how some of MetLife Pet Insurance’s policy provisions compare with those of Healthy Paws.2

MetLife Pet Insurance* Vs. Healthy Paws

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.

As with any insurance policy, coverage may vary. Learn how our pet insurance works and see what our pet insurance policies cover.

**Some exclusions apply. Using a screen reader or simply love a good spreadsheet? Download the excel sheet that outlines the differences between Healthy Paws and MetLife Pet.

Still searching? See how we compare to Nationwide, ASPCA, and Pets Best!

Reasons to Consider MetLife Pet Insurance Over Healthy Paws

To help you choose the right pet insurance for you and your family, consider what coverage options and features are most important to you. Here are some of the ways we stand out from Healthy Paws:

  • Shorter waiting period: Accidents can happen at any time, including the day after you enroll in an insurance policy. MetLife Pet has a 0-day waiting period for accident coverage8 while Healthy Paws’ coverage has a 15-day waiting period.2
  • Supportive care: MetLife Pet covers boarding costs, lost pet advertising and rewards, grief counseling,3 and cremation — all of which can give you peace of mind when it comes to your furry family. Other insurers like Healthy Paws may not offer this kind of supportive care.
  • Family plans: If you have multiple pets, you can save on costs by insuring up to three pets on the same MetLife Pet policy with a shared deductible. You may be limited to separate deductibles with Health Paws and other insurers, which can cost you more before being reimbursed.7
  • Wellness and Preventative Care Plans: MetLife Pet offers add-on plans that can help cover routine vet visit costs, vaccinations, and preventative care like parasite protection and treatment. Healthy Paws doesn’t offer additional coverage plans.2

Protect your Pets

Looking for more? Explore frequently asked questions and continue your research with a free quote

Why Choose MetLife Pet Insurance?

Protect your pet’s health without compromising your budget by only paying for what you need. MetLife Pet’s customizable coverage paired with flexible reimbursement rates and deductibles ensure you get the coverage for your pet at a price that’s right for your needs.4,5 Read on for some more reasons why you might choose MetLife Pet Insurance.

MetLife Pet cares

We have an on-going commitment to support shelters across the U.S. with their operational and care costs. MetLife Pet contributed $500,000 in 2021 to our premier animal rescue shelter partners.9

We also offer discounts to eligible customers whose work focuses on helping others, like military service members and animal care workers.10,11 Our policies also include potential assistance for boarding costs to help make sure your pets are taken care of while you’re hospitalized.

Free mobile app

MetLife Pet Insurance strives to make your customer experience easier by offering a mobile app. Similar services with other insurance providers often require additional subscription costs, but MetLife Pet includes this service with your policy at no extra charge.12 The MetLife Pet app allows you to:

  • Access a 24/7 telehealth chat service with veterinarians available to answer questions
  • Easily manage your pet’s vet records by keeping them all in one place
  • Upload vet invoices and submit your claim documents
  • Quickly search for nearby pet services
  • Receive recommendations and articles tailored to you and your pet

Unsure of the types of questions you can ask the on-call vets in our app? Take a look a few examples:

  • My cat ate part of my houseplant and seems to be acting funny. Is she OK?
  • My dog has had diarrhea all day long. Should I take him to the vet?
  • My cat started limping after he jumped off of the couch. Should I take him to an emergency clinic?


At MetLife Pet, we strive to offer affordable rates and expansive coverage. To make it even more affordable, we offer discounts to eligible policyholders.

Deductible discount: Your pet's deductible automatically decreases by $25 (for IAIC underwritten policies) or $50 (for MetGen underwritten policies) each policy year that you don't receive a reimbursement for a submitted claim.6

Internet purchase discount: Applies to the first year of premiums.13

Animal care discount: A 10% discount for animal care facility staff, veterinarians, shelter personnel, and more.11

Military discount: Available to active or retired military, veterans, and first responders.10

Employer benefit discount: Offered to policyholders who enroll through their workplace.14

Wellness and Preventative Care Plans

MetLife Pet offers optional plans to increase the amount of coverage you have. Our Wellness Plan can help cover the cost of routine vet visits and vaccinations. Our Preventative Care Plan can help cover the cost of things like parasite prevention and treatment.

Success stories

We have over 15 years of experience serving pet parents — helping you protect your beloved furry companion and your wallet. Here’s a real life success story so you can see our coverage in action.

In Philadelphia, PA, 9-year-old poodle Ives was happily playing in his yard with his human siblings when things got a little chaotic. Running at full speed, he accidentally tripped over some large rocks. Ives’ family took him to the vet after noticing him limping, and after an exam with X-rays, the vet diagnosed Ives with a fracture.

Between the exam and the treatment, the vet bill was almost $6,300. Fortunately, Ives’ family had a dog insurance policy that reimbursed them over $5,800. Ives has fully recovered and his family breathed a sigh of relief knowing that they had dog insurance to help cover the vet costs when an accident happened.15

Just like Ives’ family, you may find investing in dog insurance to be worth it. Get started today with a free quote from award-winning16 MetLife Pet Insurance.

Coverage is subject to the language of the policies as actually issued. This comparison or description of Healthy Paws policy(ies) was not furnished by Healthy Paws. 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 [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 Healthy Paws. Referenced publicly- available material for Healthy Paws 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.


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

2 Based on a Healthy Paws sample plan, retrieved from, and information found across the Healthy Paws website.

3 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.

4 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.

5 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 2023 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.

8 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 [January 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.

9 “MetLife Pet Insurance Contributes $500,000 to Animal Shelters across U.S.,” Business Wire

10 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.

11 A discount is applicable to staff/owners of animal care facilities. Not available in NY.

12 “The 7 best online veterinarian services for virtual pet care,” Insider

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

14 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).

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

16 “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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