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COMPARISONS

MetLife Pet Insurance vs. Embrace

Five Minutes

Feb 20, 2024

A yellow Labrador retriever walking next to a person holding a leash outdoors.

It can be overwhelming to decide which pet insurance is best for your beloved companion, especially with so many options available. We’ve made it easier to see how we stack up to other pet insurance providers on the market. Read on to see how we compare to Embrace.

Compare MetLife Pet Insurance** vs. Embrace

Here’s a quick glance at how some of the MetLife Pet Insurance policy provisions compare with those of Embrace.¹

MetLife Pet’s Plan vs. Embrace's Plan

Download the excel sheet

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Embrace
Wellness and Preventative Care	Yes (optional add-on coverage)²	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (with some covered under optional add-on coverage)
Dental Cleaning and Care	Yes (optional add-on coverage)	Yes (only if related to an accident or illness, or with optional add-on coverage)
24/7 Telehealth Access	Yes³	Yes
Cancer Coverage	Yes	Yes
Euthanasia	undefined Yes	undefined Yes
Cremation	undefined Yes	undefined Yes (optional add-on coverage)
Grief Counseling	Yes⁴	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	No
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	10 – 15 days
Days to Submit Claim	90	Up to 60 days after your next policy renewal date
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”⁹	“Many ways to customize your plan, plus coverage for curable pre-existing conditions.”⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Embrace
Wellness and Preventative Care	Yes (optional add-on coverage)²	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (with some covered under optional add-on coverage)
Dental Cleaning and Care	Yes (optional add-on coverage)	Yes (only if related to an accident or illness, or with optional add-on coverage)
24/7 Telehealth Access	Yes³	Yes
Cancer Coverage	Yes	Yes
Euthanasia	undefined Yes	undefined Yes
Cremation	undefined Yes	undefined Yes (optional add-on coverage)
Grief Counseling	Yes⁴	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	No
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	10 – 15 days
Days to Submit Claim	90	Up to 60 days after your next policy renewal date
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”⁹	“Many ways to customize your plan, plus coverage for curable pre-existing conditions.”⁹

This table has 3 columns and 20 rows. 1st column represents the product 2nd & 3rd represent MetLife and its competitors. Each row indicates whether the product is covered by MetLife or its competitors
	MetLife Pet Insurance	Embrace
Wellness and Preventative Care	Yes (optional add-on coverage)²	Yes (optional add-on coverage)
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes (with some covered under optional add-on coverage)
Dental Cleaning and Care	Yes (optional add-on coverage)	Yes (only if related to an accident or illness, or with optional add-on coverage)
24/7 Telehealth Access	Yes³	Yes
Cancer Coverage	Yes	Yes
Euthanasia	undefined Yes	undefined Yes
Cremation	undefined Yes	undefined Yes (optional add-on coverage)
Grief Counseling	Yes⁴	No
Spaying and Neutering	Yes (optional add-on coverage)	Yes (optional add-on coverage)
Includes All Ages and Breeds	Yes	No
No Per-Incident Limits	Yes	No
Reimbursement	Flexible (50% – 90%)⁵	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)⁶	Flexible ($100 – $1,000)
0-Day Accident Waiting Period	Yes⁷	No
Illness Waiting Period	14 days⁷	14 days
Deductible Savings	Yes⁸	No
Days to Reimburse	Up to 30 days (80% of claims reimbursed within 10 days)	10 – 15 days
Days to Submit Claim	90	Up to 60 days after your next policy renewal date
NerdWallet Rating⁹	5.0 stars	5.0 stars
NerdWallet Callout⁹	“Customizable plans for dogs, cats, and even other animals in some states.”⁹	“Many ways to customize your plan, plus coverage for curable pre-existing conditions.”⁹

A “No” accompanied with 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 and exclusions apply. See our coverage and exclusions page for more details, and learn how our pet insurance works.

Still searching for pet insurance? See how we compare to other providers.

Embrace’s Partnership With Other Insurers

There are a few insurance companies that partner with Embrace to provide their customers coverage through Embrace. This means customers who enroll in a pet insurance policy through GEICO, Allstate, or USAA will have Embrace as their provider.

Reasons To Consider MetLife Pet Insurance Over Embrace

When choosing the right pet insurance for you and your family, consider what coverage options and features are most important to you. Then, take a look at some of the ways we may stand out from Embrace:

Shorter waiting period: Accidents can strike at any moment — even the day after you sign up for an insurance policy. MetLife Pet Insurance offers a 0-day waiting period for accident coverage,⁷ while Embrace has a 2-day waiting period.¹
Family plans: MetLife Pet is the only provider that allows you to have up to three pets on the same plan with a shared deductible. You may be limited to separate deductibles with other insurers, like Embrace, which can be costly.⁹
Supportive care: MetLife Pet Insurance may cover alternative therapies and costs associated with boarding, cremation, lost pet advertising and rewards, and grief counseling⁴ — all of which can help provide more peace of mind.

Why Choose MetLife Pet Insurance?

With MetLife Pet Insurance, plans are customizable to fit your lifestyle — so you and your pet(s) can live your best lives together. A MetLife Pet policy may be worth enrolling in for your furry friends. Check out some more reasons you might choose MetLife Pet below.

MetLife Pet cares

About our community: In addition to educating pet parents on how they can care for their cats and dogs, we commit to helping shelters with their care and operational costs. In 2023, MetLife Pet donated more than $1.3 million to our animal rescue and shelter partners across the U.S. Plus, we recently announced our Golden Beagle Award — a $20,000 award that goes to an animal welfare organization helping to find forever homes for large-breed dogs.

And if you adopt from one of our partner shelters, you may be able to enroll in a MetLife Pet Insurance policy right there — giving you easier access to protecting your pet and your wallet from the start.

About our customers: We also offer discounts to customers who work in animal care and health care, as well as veterans.^10,11 To further support our customers, our policies may also help cover boarding costs for your furry friend if you’re hospitalized and unable to take care of your pet.

Discounts

At MetLife Pet Insurance, 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 you don't receive a reimbursement for a submitted claim.⁸

Military discount: This is available to active or retired military members, veterans, and first responders.¹¹

Animal care discount: We offer a 10% discount for veterinarians, shelter personnel, animal care facility staff, and more.¹⁰

Employer benefit discount: This is offered to customers who enroll in a policy through their workplace.¹²

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

Free mobile app

MetLife Pet Insurance has an easy-to-use mobile app to make your experience even better. While other insurance providers may require additional subscription costs, our mobile app is free to use when you have a policy with MetLife Pet.¹⁴ You can read artificial-intelligence-recommended articles related to your pet’s needs, access a 24/7 vet chat service to get your pet health questions answered, submit claims, and manage vet records.

Preventive Care plan

To enhance your standard illness and injury plan’s coverage, you can add on our Preventive Care plan. It can typically help cover costs related to routine vet visits, vaccinations and spay or neuter procedures, as well as parasite prevention and treatment.²

Holistic coverage

Alternative treatment options can mean the world to parents of a senior pet or a pet on the road to recovery. MetLife Pet Insurance can offer coverage for treatments like hydrotherapy, laser therapy, massages, vet-prescribed diet food, and herbal therapies that may not be covered under policies from other insurers.

Success stories

With over 15 years of serving pet parents, we have the experience to help you and your beloved companions. Here’s a real-life success story, so you can see our coverage in action.

Lemon, a mixed breed kitten living in Washington, D.C., ingested one of her parent’s hair ties. She was rushed to the emergency clinic for an emergency surgery to remove the foreign object. The bill came out to just over $4,800, but Lemon’s mom was able to submit a claim to MetLife Pet for reimbursement. She received almost $4,200 back, and Lemon recovered safely at home after a few days in the hospital.¹⁵

We strive to offer expansive pet insurance coverage for you and your furry friend, so you can focus on giving them the life they deserve. Get a free quote today from MetLife Pet Insurance, winner of the 2024 “Pet Insurance of the Year” award at the Pet Innovations Awards Program.

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Coverage is subject to the language of the policies as actually issued. This comparison or description of Embrace policy(ies) was not furnished by Embrace. 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 January 2024 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 Embrace. Referenced publicly- available material for Embrace 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.

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

¹ Based on an Embrace Full Coverage Pet Insurance sample plan, retrieved from https://www.embracepetinsurance.com/coverage, and information found across the Embrace website.

² For IAIC policies, optional Preventive Care coverage is based on a Schedule of Benefits. For MetGen policies, optional Preventive Care coverage is included in the annual limit.

³ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife Pet is not responsible for any pet guidance or advice provided or taken. Veterinarians providing virtual veterinary services cannot prescribe medication or answer questions about the pet policy.

⁴ Grief Counseling services are provided through an agreement with TELUS Health, an unaffiliated third-party service provider. Grief counseling services provided by TELUS Health are separate and apart from the insurance provided by MetLife Pet. Not available to NY residents.

⁵ 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.

⁶ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500

⁷ 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 2024 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.

⁸ 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.

⁹ Based on a January 2024 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.

¹⁰ Discount may not be available in all states. A discount is applicable to staff/owners of animal care facilities.

¹¹ 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.

¹² 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).

¹³ When coverage is purchased on-line, a premium discount will apply during the first year of the policy. When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

¹⁴ “The 8 best online veterinarians of 2023,” Business Insider

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

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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