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COMPARISONS

MetLife Pet Insurance vs. Embrace

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With so many pet insurance providers on the market, how do you know which one is best for your beloved companion? We’ve made it easier to see how we compare to other insurance plans, so you can confidently make an informed decision. Read on to see how we compare to Embrace^TM.¹

Compare Embrace Pet Insurance vs. MetLife Pet**

Here’s a glance at how some of the MetLife Pet Insurance policy provisions compare with those of Embrace’s full coverage policy.²

MetLife Pet's Plan Vs. Embrace's Plan

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Includes All Ages and Breeds
Grief Counseling
Holistic/Alternative Therapy
Add-on Dental Cleaning and Care

24/7 Telehealth Access
Add-on Spaying/Neutering
Add-on Wellness and Preventive Care
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100 - $1,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	10 – 15 days
Days to Submit Claim	90	Up to 60 days after the end of the policy term
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Many ways to customize your plan, plus coverage for curable pre-existing conditions."




Includes All Ages and Breeds
Grief Counseling
Holistic/Alternative Therapy
Add-on Dental Cleaning and Care

24/7 Telehealth Access
Add-on Spaying/Neutering
Add-on Wellness and Preventive Care
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100 - $1,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	10 – 15 days
Days to Submit Claim	90	Up to 60 days after the end of the policy term
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Many ways to customize your plan, plus coverage for curable pre-existing conditions."




Includes All Ages and Breeds
Grief Counseling
Holistic/Alternative Therapy
Add-on Dental Cleaning and Care

24/7 Telehealth Access
Add-on Spaying/Neutering
Add-on Wellness and Preventive Care
Prescriptions
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($100 - $1,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	10 – 15 days
Days to Submit Claim	90	Up to 60 days after the end of the policy term
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Many ways to customize your plan, plus coverage for curable pre-existing conditions."

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

Is MetLife Pet the Right Provider for You and Your Furry Family?

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Reasons To Consider MetLife Pet Insurance Over Embrace

We know having a plan that fits your needs is an essential part of choosing a pet insurance provider. Here are a few ways we may stand out against Embrace’s policies.

Includes All Ages

With MetLife Pet, you can enroll your pet in our standard accident and illness policy regardless of their age. With Embrace, if your pet is 15 or older, they can only get accident coverage.²

Dental Illness Coverage

MetLife Pet’s standard plan can reimburse⁸ you for dental care related to illnesses, up to your policy’s annual limit.¹¹ Embrace will only pay up to $1,000 for expenses related to dental illness.²

Quick Reimbursements

You could be waiting longer for reimbursements with Embrace. After you submit your claim, MetLife Pet typically reimburses⁸ covered costs within 5 days. With Embrace, it could be 10 days or more.²

Ways MetLife Pet Takes Care of Their Pack

When purchasing insurance protection, you likely want to know you’re making a good decision with your hard-earned money. Here are some of the ways we help pets and their people.

Support for the Community

In 2023, we donated over $1.3 million to animal shelters we work with across the country, and we offer educational resources to help people care for their pets.¹²

Preventive Care Coverage

You can add our optional Preventive Care Plan to your policy and get reimbursed for routine and wellness expenses, up to your policy’s annual limit.¹¹

Discounts

We have a variety of discounts for eligible policyholders and a deductible discount to help you save even more money.^13,14

Family Plans

Our family plan covers multiple pets under one policy with a shared deductible, so you can save more money — you can even combine cats and dogs.³

Get the Award-Winning¹⁵ Coverage They Deserve

With more than 15 years of experience insuring pet parents across the country, we work hard to ensure your pet gets the care they need — so you can focus on giving them the happy, healthy life they deserve. Just like California pup, Piccola.

Piccola, a 13-year-old Italian greyhound, was diagnosed with periodontal disease a couple of years ago, after her family had enrolled her in a pet insurance policy. One day, they realized she wasn’t finishing her food, so they took her to the vet. They found a few teeth that needed to be extracted due to the periodontal disease, which was causing Piccola discomfort when chewing. The dental extractions cost around $6,000.¹⁶

MetLife Pet covered $5,300 of the $6,000 bill.¹⁶ Get coverage, like Piccola’s family did, for your pets — so your finances can be covered for unexpected vet bills, and you can focus on their care.

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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 November 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 Insurance works and review our coverage and exclusions.

¹ MetLife Pet Insurance is not authorized, endorsed, or sponsored by the respective owners of Zelle, or any other third-party marks.

² Based on an Embrace Full Coverage Pet Insurance sample plan, retrieved from https://www.embracepetinsurance.com/coverage/embrace-terms, and information found across the Embrace website.

³ Family plan policies are limited to dogs age 12 and under and cats age 14 and under. Multi-policy discount is not available with Family Plans.

⁴ Coverage options may be limited for certain ages.

⁵ 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. Not available to NY residents.

⁶ Accident and optional Preventive Care coverage begins on midnight EST of the effective day of your policy 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 November 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.

⁷ Virtual veterinary services are available through the MetLife Pet App and are provided entirely by AskVet, a third-party partner; MetLife 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.

⁸ Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

⁹ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

¹⁰ Based on a November 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.

¹¹ Annual limit options range from $500 - $25,000 in $1,000 increments. Unlimited benefit option subject to availability. Pet age restrictions may apply.

¹² Information gathered from the MetLife Pet Animal Welfare Team

¹³ 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 Your pet’s deductible automatically decreases by $50 each policy year that you don’t receive a claim reimbursement.

¹⁵ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

¹⁶ All claims paid amounts are based on MetLife Pet internal claims data from November 2023. This example is for illustrative purposes only. This is based on a policy with a $250 deductible and 90% reimbursement. The pet policy issued by Metropolitan General Insurance Company is the governing document with respect to all matters of insurance. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy to determine coverage in each individual case.

Pet Insurance coverage issued by Metropolitan General Insurance Company, a Rhode Island insurance company, headquartered at 700 Quaker Lane, Warwick, RI 02886. Availability is subject to regulatory approval. 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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