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

Three Minutes Sep 02, 2022
A pet owner who’s browsing online lounges with their corgi. A pet owner who’s browsing online lounges with their corgi. A pet owner who’s browsing online lounges with their corgi.

Nowadays, there are multiple pet insurance companies and plans to compare. It can be a challenge to find pet insurance that’s worth it. But by evaluating your needs — plus a little research — you can make a decision that’s right for you and your pet.

If you’re considering Healthy Paws Pet Insurance, see how MetLife Pet Insurance compares before you make your decision.

What To Consider When Comparing Pet Insurance

There are multiple factors to consider when choosing the best pet insurance for you and your furry family member. What works for you may not work for another pet parent. When comparing providers, a few factors you might want to consider include:

  • Premium costs
  • Deductibles (e.g., annual vs. per incident)
  • Coverage and exclusions
  • Claims process
  • Customer service
  • Available discounts

Keep in mind that your location along with your pet’s breed and age will typically impact the cost of your policy’s rates. Some pet insurance companies may also consider a pet’s breed and age when determining coverage.

To make your research easier, explore our frequently asked questions and what a MetLife Pet Insurance plan covers. MetLife Pet Insurance plans have no breed or upper age limits, so rest assured your pet can have accessible coverage for life.

MetLife vs. Healthy Paws Pet Insurance

It’s helpful to understand that Healthy Paws insurance has one plan that covers accidents and illness. Here’s a quick glance of how some MetLife Pet Insurance’s policy provisions compare with those of Healthy Paws.3

MetLife Pet Insurance Vs. Healthy Paws: At Glance

Days to Reimburse

Waiting Periods



Annual Limit

Clinical Examination Required To Enroll

MetLife Insurance**

Up to 30 days, 80% of claims reimbursed within 10 days4

Accident: 0 days

Illness:14 days

Hip dysplasia: 14 days

Flexible ($0 – $2,500)5

Flexible  (50 – 100%)6

Flexible ($500 - Unlimited)7



Healthy Paws Pet Insurance

Up to 60 days

Accident: 15 days

Illness: 15 days

Hip dysplasia: 12 months

Flexible ($100 – $500)

Flexible (70 – 100%)



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

Why Choose MetLife Pet Insurance?

Protect your pet’s health without compromising your budget by only paying for what you need. MetLife’s customizable annual limit paired with flexible reimbursement rates and deductibles ensure you get the coverage for your pet at a price that’s right for your needs. You may be able to find even more savings with our family plan option — a single deductible that covers all of your pets.9

Consider becoming part of MetLife’s 100+ year history with over 15 years of serving pet parents with a pet insurance policy you can depend on.10

Protect your Pets

Get a free MetLife Pet Insurance quote to find your unique coverage and rate options.

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 Based on Healthy Paws’ sample plan for California residents. Retrieved from 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 Deductible options range include: $0 - $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

6 Reimbursement options include: 70%, 80%, 90% and 100%. In addition, there is also a 50% option for MetGen underwritten policies only and a 65% for IAIC underwritten policies only.

7 Annual limit options range from $1,000−$25,000 in $1,000 increments. In addition, there is also a $500 annual limit option for MetGen underwritten policies. Unlimited benefit option subject to availability.

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 claim reimbursement. May not be available in all states.

9 Based on a January 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 MetLife Pet Insurance Solutions LLC (fka "PetFirst Healthcare, LLC"), a MetLife company, has over 15 years of experience serving pet parents.

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