MetLife Pet Insurance vs. Fetch

As pet parents, we all want the best for our fur babies. The right pet insurance can help you keep them healthy and happy. We’ve made it easier to compare pet insurance providers so you can make that decision. Keep reading to see how MetLife Pet Insurance stacks up against Fetch® Pet Insurance.¹

Compare Fetch vs. MetLife Pet Insurance**

Here’s a quick rundown of how MetLife Pet Insurance policy provisions compare with those of a Fetch policy.¹

MetLife Pet’s Plan vs. Fetch’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	Fetch Pet Insurance
	Yes	No
	Yes	No
24/7 Telehealth Access⁵	Yes	No
Grief Counseling⁶	Yes	No
No Per-Incident Limits	Yes	Check with provider
Includes All Ages and Breeds⁷	Yes	Yes
Add-on Wellness and Preventive Care	Yes	Yes
Add-on Dental Cleaning and Care	Yes	Yes
Add-on Spaying/Neutering	Yes	Yes
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁸	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)⁹	Flexible ($250 – $2,500)
Illness Waiting Period	14 days⁴	15 days
Days to Reimburse	Most claims reimbursed within 5 days	Typically up to 15 days
Days to Submit Claim	90	90
NerdWallet Rating¹⁰	5.0 stars	4.5 stars
NerdWallet Callout¹⁰	Customizable plans for dogs, cats, and even other animals in some states.¹⁰	May be a good option for pet owners who want plenty of coverage and a high reimbursement amount.¹⁰

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	Fetch Pet Insurance
	Yes	No
	Yes	No
24/7 Telehealth Access⁵	Yes	No
Grief Counseling⁶	Yes	No
No Per-Incident Limits	Yes	Check with provider
Includes All Ages and Breeds⁷	Yes	Yes
Add-on Wellness and Preventive Care	Yes	Yes
Add-on Dental Cleaning and Care	Yes	Yes
Add-on Spaying/Neutering	Yes	Yes
Prescriptions	Yes	Yes
Holistic/Alternative Therapy	Yes	Yes
Reimbursement	Flexible (50% – 90%)⁸	Flexible (70% – 90%)
Average Deductible	Flexible ($0 – $2,500)⁹	Flexible ($250 – $2,500)
Illness Waiting Period	14 days⁴	15 days
Days to Reimburse	Most claims reimbursed within 5 days	Typically up to 15 days
Days to Submit Claim	90	90
NerdWallet Rating¹⁰	5.0 stars	4.5 stars
NerdWallet Callout¹⁰	Customizable plans for dogs, cats, and even other animals in some states.¹⁰	May be a good option for pet owners who want plenty of coverage and a high reimbursement amount.¹⁰

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?

Enroll Them Today

Reasons To Consider MetLife Pet Insurance Over Fetch

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 Fetch’s policies.

Shorter Waiting Period

For virtually immediate coverage, MetLife Pet Insurance offers a 0-day waiting period⁴ for accidents, as well as a 14-day waiting period for illnesses. Fetch has a 15-day waiting period for accidents and illnesses.²

Free 24/7 Vet Telehealth Chat5

MetLife Pet policies come with access to a free 24/7 vet telehealth chat⁵ in the MetLife Pet app. Fetch doesn’t offer this. Instead, they can reimburse you for using a paid vet telehealth service of your choosing.²

Supportive Coverage & Care

Vet-prescribed food, end-of-life expenses, and grief counseling⁶ are part of MetLife Pet’s coverage — but not Fetch’s. MetLife Pet also has more reimbursement rate⁸ options than Fetch to help support a wider range of budgets.²

Ways MetLife Pet Takes Care of Their Pack

When buying 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.¹¹

Optional Preventive Care Coverage

You can add our optional Preventive Care plan to your policy and get reimbursed⁸ for routine and wellness expenses, up to your policy’s annual limit.¹²

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 New Hampshire pup, Yelli.

Yelli, a 4-year-old mixed-breed dog, was running around the yard with her family when she turned too quickly and then started limping. The vet diagnosed Yelli with a cruciate rupture in her hind leg and surgically repaired it. Her exam, surgery, and medications cost around $7,400.¹⁶

MetLife Pet covered $6,600 of the $7,400 bill.¹⁶ Get coverage, like Yelli’s family did, for your pets — so your finances can be covered for unexpected vet bills and you can focus on their care.

Take the Next Step in Your Research

GET A QUOTE

855-270-7387

Coverage is subject to the language of the policies as actually issued. This comparison or description of Fetch’s policy(ies) was not furnished by Fetch. 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 2025 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 Fetch. Referenced publicly- available material for Fetch 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. All Zelle^® marks used herein are the exclusive property of Early Warning Services, LLC.

² Based on a Fetch Pet Insurance sample plan, retrieved from https://www.fetchpet.com/terms-conditions, and information found across the Fetch Pet Insurance 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 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 January 2025 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.

⁵ 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.

⁶ 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.

⁷ Coverage options may be limited for certain ages.

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 January 2025 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 Information gathered from the MetLife Pet Animal Welfare Team, Last Accessed January, 2025

¹² Annual limit options range from $500 - $25,000 in $1,000 increments or unlimited benefit option also available. Pet age restrictions apply with Family Plans. Additional restrictions on available options in certain states.

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 December 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).

L0225046294[exp0227][xGU,MP,PR,VI]

MetLife Pet Insurance vs. Fetch Pet Insurance