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COMPARISONS

MetLife Pet Insurance vs. Pets Best

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When it comes to decisions about pet care, MetLife Pet strives to make life easier for the dog and cat lovers out there. That’s why we’ve put in the work to help you more easily compare our pet insurance to other providers on the market. Read on to see how we stack up against Pets Best.

Compare Pets Best Pet Insurance vs. MetLife Pet**

Here’s a glance at how some of the MetLife Pet Insurance policy provisions compare with those of Pets Best’s accident and illness plans.¹

MetLife Pet’s Plan vs. Pets Best’s Plan

Download the excel sheet


		Pets Best Insurance


Grief Counseling
Prescriptions		Some types require add-on coverage
Holistic/Alternative Therapy
Includes All Ages and Breeds
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
24/7 Telehealth Access⁶
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (50% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($50 – $2,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	3 - 7 days
Days to Submit Claim	90	180
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Lots of options, plus the ability to pay your vet directly.”


		Pets Best Insurance


Grief Counseling
Prescriptions		Some types require add-on coverage
Holistic/Alternative Therapy
Includes All Ages and Breeds
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
24/7 Telehealth Access⁶
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (50% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($50 – $2,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	3 - 7 days
Days to Submit Claim	90	180
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Lots of options, plus the ability to pay your vet directly.”


		Pets Best Insurance


Grief Counseling
Prescriptions		Some types require add-on coverage
Holistic/Alternative Therapy
Includes All Ages and Breeds
Add-on Wellness and Preventive Care
Add-on Dental Cleaning and Care
Add-on Spaying/Neutering
24/7 Telehealth Access⁶
No Per-Incident Limits
Reimbursement	Flexible (50% – 90%)	Flexible (50% – 90%)
Average Deductible	Flexible ($0 – $2,500)	Flexible ($50 – $2,000)
Illness Waiting Period	14 days	14 days
Days to Reimburse	Most claims reimbursed within 5 days	3 - 7 days
Days to Submit Claim	90	180
NerdWallet Rating	5.0 stars	5.0 stars
NerdWallet Callout	“Customizable plans for dogs, cats, and even other animals in some states.”	“Lots of options, plus the ability to pay your vet directly.”

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.

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Reasons To Consider MetLife Pet Insurance Over Pets Best

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 Healthy Paws' policies.

Shorter Waiting Period

For virtually immediate coverage, MetLife Pet Insurance offers a 0-day waiting period³ for accidents, while Healthy Paws has a 15-day waiting period for accidents.¹

Comprehensive Coverage

Exam fee, alternative therapy, and prescription medication coverage are built into MetLife Pet policies. Coverage for exam fees, alternative therapies, and take-home prescriptions must be added to Pets Best policies.¹

Supportive Care

MetLife Pet offers coverage for boarding costs, lost pet advertising and rewards, cremation, grief counseling,⁴ and vet-prescribed food. Pets Best policies don’t offer this kind of supportive care.¹

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.¹⁰

Optional 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.^12,13

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.²

Get the Award-Winning¹⁴ 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 Illinois pup, Kilo.

Kilo, a 1-year-old mixed-breed dog, was enrolled in a MetLife Pet policy when he was a puppy. Shortly after, he had his first seizure and was diagnosed with epilepsy. One day, Kilo had an intense seizure episode that required a short stay at the animal hospital. After receiving supportive care, Kilo’s hospitalization for his epilepsy cost around $3,600.¹⁵

MetLife Pet covered $3,000 of the $3,600 bill.¹⁵ Get coverage, like Kilo’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 Pets Best policy(ies) was not furnished by Pets Best. 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 Pets Best. Referenced publicly- available material for Pets Best 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 Based on a Pets Best sample plan, retrieved from https://www.petsbest.com/faq/download-sample-policy, and information found across the Pets Best website.

² 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.

³ 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.

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 Coverage options may be limited for certain ages.

⁶ 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.

⁷ Reimbursement options include: 50%, 70%, 80% and 90%. Pet age restrictions may apply.

⁸ Deductible options range include: $0 – $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500.

⁹ 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.

¹⁰ Information gathered from the MetLife Pet Animal Welfare Team

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 When using multiple discounts, discounts cannot exceed 30%. Each discount may not be available in all states. Please contact MetLife Pet for further details.

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

¹⁴ “2024 Pet Insurance of the Year Award” Winners, Pet Independent Innovation Awards

¹⁵ 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 $500 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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