Pets Best Insurance vs. MetLife Pet Insurance: Where Does Pets Best Differ?

Three Minutes Sep 02, 2022
A young child sits next to a cat tree and holds a wand toy, while an orange cat lounges in the tree.  A young child sits next to a cat tree and holds a wand toy, while an orange cat lounges in the tree.  A young child sits next to a cat tree and holds a wand toy, while an orange cat lounges in the tree.

We all want the best for our pets. That can make it hard to choose between all the pet insurance providers out there. MetLife is all about making life easier for pet lovers.1 That’s why we’ve put in the work to show where we differ from the other guys. Read on to see how we stack up against Pets Best Pet Insurance.

What To Consider When Comparing Pet Insurance

There are lots of factors to consider when choosing the best pet insurance for you and your furry family members – and not every plan will be right for every pet parent.  A few specific things to keep in mind when shopping around for pet insurance are:

  • Waiting period
  • Coverage exclusions
  • Flexibility
  • Per incident limits

It’s also important to remember that a quote is just an estimate. Policy rates may vary based on where you live, what kind of pet you have, and how old they are. Make sure to look for any restrictions related to these categories that could impact the terms or cost of the coverage.

MetLife Pet Insurance vs. Pets Best Pet Insurance

With multiple pet insurance companies and plans to compare, it can be a challenge to choose pet insurance that’s right for you and your pet. MetLife Pet Insurance is all about making life easier for pet lovers. That’s why we’ve gathered some information and tips to help you as you research and compare your options. Here’s how some of MetLife Pet Insurance’s policy provisions compare with those of Pets Best’s BestBenefit Accident and Illness Plan:3

MetLife Pet Insurance vs. Pets Best Pet Insurance

Waiting Periods

Days to Submit Claim Before Expiration

Prescription Coverage

Preventive Care

Holistic/Alternative Therapy

End of Life Expenses (i.e., euthenasia,
cremation, and grief counseling)

MetLife Insurance**

Accident: 0 Days
Illnesses: 14 Days

90 Days


Yes, (optional add-on coverage)



Pets Best Insurance

Accident: 3 Days
Illnesses: 14 Days

180 Days

Yes (optional add-on coverage)

Yes (optional add-on coverage)



Comparison data shows how MetLife Pet Insurance policies can potentially compare against Pets Best Pet Insurance policies.  Download the excel sheet. Some exclusions apply. 


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

Other Reasons to Choose MetLife

With MetLife Pet Insurance, you can customize your policy to get the best coverage for you and your furry family. Rest assured knowing that your pets are protected from tail to whisker with over 100 years of experience in core and voluntary benefits to depend on.

Protect your Pets

Still have questions? Learn more in our FAQs and get a free quote to see how much you could save.

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 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 Pets Best included Pet Best’s BestBenefit Accident and Illness sample plan. Retrieved from September, 2022

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

5 May not be available in all states.

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.

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