Metlife Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison
Compare MetLife Pet Insurance Plans to Spot Pet Insurance Plans with this helpful guide. See differences in deductibles, plan options, add-ons, and more!
Choosing the right pet insurance means understanding exactly what each provider covers, and how much it costs to cover it. Here's how Spot plans compare to MetLife plans on the details that matter most.
MetLife doesn't offer an Accident-Only plan. Spot does.
MetLife only helps cover microchip implantation as an optional add-on. Spot includes it in every base plan.
MetLife only helps cover Rx food and supplements through an add-on. Spot includes this in every base plan when prescribed for a covered condition.
MetLife requires a separate wellness rider to help cover behavioral conditions. Spot helps cover them in the base plan.
Spot's multi-pet discount is a flat 10% for every additional pet after the first. MetLife's discount varies depending on how many pets you enroll.
Behavioral Issues
No Upper Age Limit
Exam Fees
Preventive Care
Microchip
Prescription Foods
Alternative Therapies
Chronic Conditions
One Annual Deductible
Specialists
Hereditary & Congenital Conditions
Dental Illness
Multi Pet Discount
30-Day Money Back Guarantee
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Included
Not included/Some inclusionsComparison information is provided using publicly available information as of 3/2/24 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpet.com.
5 Reasons to consider Spot plans over Fetch plans
MetLife Doesn't Offer an Accident-Only Plan. Spot Does.
When you enroll in pet insurance, the biggest decision is which kind of plan you’ll choose. Every provider varies in terms of what kind of plans they offer and what is covered under each. Most offer an Accident & Illness plan; some offer Accident-only plans.
Many factors can influence your plan of choice, but having diverse and customizable options is helpful for finding exactly the right fit for you.
At Spot Pet Insurance, our highly customizable pet insurance plan options include an Accident-only plan option for those looking to spend less on premiums and get coverage for unexpected accidents only.
With MetLife, there is no Accident-only plan option available.
MetLife Only Covers Microchipping as an Add-On. Spot Includes It in Every Base Plan.
Microchipping is a helpful way to locate and reunite with your pet should they become lost, which is why we believe it’s essential for pet parents.
Microchip implantation coverage is included with base plans offered by Spot Pet Insurance. Plans provided by MetLife only include coverage for microchipping as an optional add-on for an extra cost.
MetLife Charges Extra for Rx Food Coverage. Spot Includes It in Every Base Plan.
Base plans provided by Spot Pet Insurance include coverage for Rx foods and supplements when prescribed by a licensed vet to treat covered conditions (excluding general maintenance or weight management).
MetLife does offer coverage for Rx food, but only through add-ons for an extra cost.
MetLife Requires an Extra Wellness Rider for Behavioral Coverage. Spot Includes It in the Base Plan.
Spot's base plans include coverage for behavioral conditions.
But with a MetLife policy, you would need to purchase the wellness rider for behavioral conditions to be covered.
MetLife's Multi-Pet Discount Varies by Pet Count. Spot's Is a Flat 10%.
Pet Insurance plans provided by Spot have a 10 percent multi-pet discount for each and every additional pet enrolled.
Big pet families are full of love, and sometimes they need extra love to help with the extra costs of keeping them well and healthy!
MetLife plans also offer multi-pet discounts. However, the multi-pet discount amount varies based on the number of pets you enroll.
Frequently Asked Questions
Does MetLife pet insurance cover microchipping?
MetLife only covers microchip implantation through an optional add-on. Spot includes it in every base accident & illness plan at no extra cost.
Does MetLife offer an Accident-Only pet insurance plan?
No — MetLife only offers Accident & Illness plans. Spot offers both Accident-Only and Accident & Illness options, so pet parents who only want protection against accidents have a lower-cost choice.
How does MetLife's multi-pet discount work?
MetLife's multi-pet discount amount varies depending on how many pets you enroll. Spot offers a flat 10% discount for every additional pet.
Does MetLife cover prescription pet food?
MetLife only covers Rx food through an add-on for an extra cost. Spot includes coverage for Rx food and supplements prescribed to treat a covered condition in every base plan.
Does MetLife cover behavioral conditions?
With MetLife, you need to purchase a wellness rider to get behavioral condition coverage. Spot's base accident & illness plans include behavioral condition coverage already.
Does MetLife offer pet insurance as an employee benefit?
Yes — MetLife offers pet insurance through an employer benefit programs. Spot also offers pet insurance as an employee benefit, giving employers a choice between providers when building out their benefits package.
Choose Spot if You Want an Accident-Only Option and Behavioral Coverage Included From Day One
Spot's base plans include behavioral condition coverage and offer an Accident-Only option for pet parents who don't need illness coverage — neither comes standard with a MetLife plan. We hope to help you find the perfect plan for your fur family. Get a quote today to see if a pet insurance plan provided by Spot is right for you!
Tucker's Road to Recovery
When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.
Cost of Treatment: $4,305
Spot Plan Reimbursed: $3,874.505
Comparison information is provided using publicly available information as of [DATE] and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing marketing@spotpetins.com.
Happy Pet Parents Trust Spot
I am happy for the most part
I am happy for the most part. After my last claim was in the review process only took two days to complete. I did an appeal for Jake's first depomedrol injection, it was given initially for Jake's arthritis, but as an added benefit it helped his dermatitis and hip. The vet had written in the note you received that was only for his dermatitis, the Vet sent a corrected letter stating that the injection was given for his arthritis. This was acouple months ago, I never received the outcome and nothing was added toward Jake's deductible for his first injection. The injections after that were added towards the deductible. I would be very happy to it this could be resolved and the amount added towards Jake's deductible. Thank you
Easy to understand website
Easy to understand website. Very clear coverage explanations and sign up process. Easy to submit claims and very fast reimbursements. Loved the explanation of benefits section.
They processed my claims quickly!
They processed my claims quickly!
Great turn around
Submitted claim online September 16th. September 19th received results and payment.
Great experience!
Great experience when i added our new puppy to our policy. It was quick, easy, and the rep was incredibly helpful and professional.
I was so glad to get a very nice person…
I was so glad to get a very nice person on the phone. She was congenial and put me at ease. I already had one dog with Spot and I added her 2 sisters. She was so helpful and I hope that if I have to contact Spot again, I get her to help me! Sorry, but I don’t have her name. 🥺 But she had an accent that was great!
The claim was reviewed quickly and I…
The claim was reviewed quickly and I received the payment within two days.
Quick review
Quick review, quick payment
Our first claims using Spot were…
Our first claims using Spot were extremely easy to submit. Their response was quick and appropriate for the claim.
Great quick response great customer…
Great quick response great customer service
Spot Is a Pack Leader
