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!
Comparing pet insurance providers can be overwhelming for pet parents without some help. Whether you’re looking into alternative therapies or managing a pet with a chronic condition, you want to make sure you get the pet care you need. Exam fees and veterinary care can start to add up. That’s why we’re back with another insurance comparison guide.
We’re looking at the differences between Spot Pet Insurance plan offerings and those from MetLife Pet Insurance. We’re evaluating core differences in these pet insurance plans, such as deductibles and discounts. Having the information you need should help you choose the right pet insurance plan for your furry family members.
No Upper Age Limit
Exam Fees
Behavioral Issues
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 inclusionsNo Upper Age Limit
Tired of being told no? Spot plans don't place an upper age limit on coverage. *With Nationwide, only pets 10 years of age or younger may enroll in a Major Medical Plan. *With Embrace and USAA, pets of any age can be insured but pets 15+ are restricted to enrolling in new accident-only plans. *** "No upper age limit*** data in table with "Y" means pets are covered and can enroll in a new plan regardless of old age. "N" means there is a maximum age to enroll or be insured.
Exam Fees
Once your deductible is met, exam fees for accidents and illnesses related to covered conditions are covered. Annual physical exam fees are not covered. *With Figo, Prudent Pet, Embrace, Lemonade, Liberty Mutual, and Pets Best, an additional monthly fee is required. *With Pawp, Exam Fees are only covered in life-threatening emergency situations, and only 1 emergency a year.
Behavioral Issues
This coverage can help with eligible costs for veterinary visits for concerning behavioral issues that may be related to anxiety or compulsive behavior, like excessive licking, fur pulling, and destruction of home. *Trupanion behavioral issues coverage are available for an additional cost. *Fetch only covers up to $1k towards behavioral issues each year. *Metlife coverage available for an additional cost.
Preventive Care
Treatment for the purposes of avoiding an illness or injury or for the promotion of general heath, where there is no underlying illness, injury, or symptoms. Dental cleaning, wellness exams, deworming, flea/heartworm prevention, fecal and blood test, and more! Spot provides options to add preventive care coverage for extra monthly costs.
Microchip
Your core policy covers microchip implantation by a veterinarian; not any associated fees for registration, monitoring, or renewal. *With Pets Best, Fetch, Prudent Pet, Embrace, Geico and Trupanion, an additional monthly fee is required. *Included in Nationwide's and Liberty Mutual's Wellness packages for an additional monthly cost.
Prescription Foods
## Prescription Diets & Dietary Supplements A food that is prescribed by your veterinarian to treat a covered condition, with guaranteed analysis and safety standards. Spot plans don't cover the following prescription diets: treats, general health maintenance diets, weight loss diets, puppy or kitten diets, homemade diets, or raw food diets, even if prescribed or dispensed by your veterinarian. *Figo only covers food to treat bladder stones / crystals for up to 6 months *With Pets Best, an additional monthly fee is required. *Prudent Pet only covers prescription food costs to treat bladder stones and crystals for a limited time. *Fetch only covers prescription supplements, not prescription food. *Manypets covers prescription supplements, not prescription food.
Alternative Therapies
There are all sorts of alternative therapies now involved for pets, such as acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy. Spot plans can reimburse you for alternative therapies your pet might need to treat a covered condition.
Chronic Conditions
These are accidents & illnesses that need care across multiple plan period, such as diabetes and cancer. With accident & illness pet insurance plans provided by Spot, you don't have to worry about a condition becoming ineligible for coverage just because it is ongoing.
One Annual Deductible
Spot plans allow you to select from a range of annual deductible amounts. Once you meet your annual deductible, Spot plans will reimburse a percentage of covered expenses, according to the reimbursement percentage you select, up to your annual limit.
Specialists
Spot understands the importance of timing, which is why we’re proud to offer you plans with coverage at any licensed vet, emergency clinic or specialist in the US.
Hereditary & Congenital Conditions
This coverage is for the costs of eligible inherited illnesses and that don't show symptoms until later in your pet's life, like heart disease, IVDD, eye disorders, and hip dysplasia. *Healthy Paws does cover hereditary conditions, though pets enrolled after age 6 are not eligible for hip dysplasia coverage. *With Embrace, pets enrolled after age 6 are not eligible for hip dysplasia coverage. *Pawp covers hereditary and Congenital conditions only related to life-threatening emergencies.
Dental Illness
Spot plans cover dental illnesses if you enroll in an accident & illness plan, and Spot plans cover tooth extractions for accidents.
Multi Pet Discount
Insure one, discount the rest. Spot plans provide a 10% multi-pet discount for every additional pet insured. *Liberty Mutual gives 5% discount for first additional pet, and 10% for 3 or more.
30-Day Money Back Guarantee
Take the time to understand if this service is for you and your furry pal. Test it out and determine if it’s right for you with our 30-day money back guarantee. *30-day money back guarantee only available if no claims have been covered. *Not available in NY. *Not available in ME. ME residents receive a 15 day right to examine.
Comparison 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.
Accident-Only Plan Options
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.
Microchipping coverage: Spot Pet Plans vs. MetLife Plans
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.
Base Spot Plans Include Coverage for Rx Foods Prescribed to Treat Covered Conditions
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.
Base Spot Plans Cover Behavioral Conditions
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.
Multi-pet Discount Differences
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.
Conclusion
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
Happy Pet Parents Trust Spot
First Claim A+
Recently had our first experience with a claim and it has been seamless. Spot has counted payments towards the deductible and once it was met, they paid 90% of the remainder which is what our plan covers. There were no questions asked when I supplied the invoice, they paid. Could not be more pleased with Spot at this point.
Submitting a Claim
I appreciate the clarity of instructions for filing my first claim. Submitted all the paperwork on Sunday and by Friday the claim was completed and funds transferred to my bank account. Thank you for your dependable service at a challenging time.
Quickly settled my bill
Quickly settled my bill. Very easy submission.
Great company!
I got Spot Insurance because it had the best coverage for a great price. I have not had a problem with a claim. I have filed two and both were handled quickly and efficiently. Great company.
From the difficult to Easily Done
Previously used Pet Insurers' wanted detailed histories and required us to provide very detailed claims. Not so with Spot. Sent the Vet bills to Spot and if they needed more info they then called vet. Easy done!!!
Our new puppy broke her leg
Our new puppy broke her leg soon after we got her. We were so glad to have gotten Spot insurance. It mad a huge difference in the total amount. The app is very easy to use.
Spot pet insurance is affordable
Spot pet insurance is affordable, fair and very quick in paying. Easy to use.
Quick and Easy
Good rates and very easy process to submit claims.
Quick refund and they cover everything…
Quick refund and they cover everything they said they would!
Spot pet insurance is a must have
Spot pet insurance has always quickly reviewed the claims, and sends reimbursements in a timely fashion. Having spot pet insurance has helped out so much for my pets unexpected vet bills. I always recommend spot pet insurance to every pet owner I talk to.
Spot Is a Pack Leader
