MetLife Pet Insurance vs. Nationwide Pet Insurance: How Does Nationwide Stack Up?

Three Minutes Sep 16, 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.

With so many options and reputable companies to choose from, choosing the right pet insurance can be overwhelming. But it shouldn’t have to be! At MetLife Pet Insurance, we put in the work to show how we compare to other popular pet insurance providers.17 See how we hold up compared to Nationwide Pet Insurance.

What To Consider When Comparing Pet Insurance

Each pet insurance company and policy is unique. It’s best to weigh what’s important to you and your pet’s needs. A few things to consider when comparing plans might include:

  • Reimbursement rate
  • Deductible
  • Coverage exclusions
  • Customer service
  • Flexibility

Policy rates are often impacted by your location and your pet’s breed and age. Pay close attention to any breed or age restrictions when comparing plans.  

Here’s how Nationwide’s Major Medical℠ plan compares to our policies.3

MetLife vs. Nationwide Pet Insurance

Days to Reimburse

Days to Submit Claim

Waiting Periods

Average Deductible


Deductible Savings 

MetLife Pet Insurance**

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


0 days

14 days

Flexible  ($0 – $2,500)5

Flexible  (50% – 100%)6


Nationwide Pet Insurance

Up to 30 days


14 days

14 days




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

Download the excel sheet. Some exclusions apply. 

Protect your Pets

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

Still searching? See how we compare to Pets BestASPCA, and Healthy Paws!
Employee Benefits: MetLife vs. Nationwide “My Pet Protection®”

Employer Group Discounts

Species Covered

Family Plan (Multiple pets on a single policy)

Multi-Policy Discount

Internet Purchase Discount

Military, Veteran, & First Responder Discount

MetLife Insurance**


Dogs and Cats





Nationwide “My Pet Protection®” Plan


Dogs, Cats, Avians, and Exotics





** Some exclusions apply.  Download the Excel Sheet.

As with any insurance policy, coverage may vary. Learn more about MetLife Pet Insurance and review our coverage and exclusions.

Why Choose MetLife?

Our pet insurance plans are fully customizable to your needs, ensuring your furry family member is covered from nose to tail. We’re also the only pet insurance company that offers family plans, so you can cover all of your pets under one simple and affordable policy.17

With over 100 years of experience in core and voluntary benefits and 15+ years serving pet parents, you can depend on MetLife.18

Protect your Pet

Enroll in 3 Easy Steps

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 Nationwide’s California Major Medical℠ sample plan. Retrieved from

4 Approximately 80% of claims are processed within 10 days or less.

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.

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.

8 May not be available in all states.

9 This discount is not available in Tennessee. This discount is only available to individuals who are eligible members or employees of an entity that has arranged for MetLife to offer pet insurance to its population (the discount is 10% for Employer Groups of all sizes and 5% for Associations of all sizes).

10 Nationwide discount is 5% for all employees on the products Nationwide sells in the group channel. Based on a review of publicly available information.

11 Multi-policy discount is not available with Family Plans.

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

13 A discount is available to serving and retired members of the Armed Forces & First Responders.

14 For MetGen underwritten policies, a discount is also available to active healthcare workers.

15 A discount is applicable to staff/owners of animal care facilities.

16 Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability.

17 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.

18 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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