Metlife Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

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.

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No Upper Age Limit

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Exam Fees

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Behavioral Issues

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Preventive Care

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Prescription Foods

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Alternative Therapies

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Chronic Conditions

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One Annual Deductible

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Hereditary & Congenital Conditions

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Dental Illness

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Multi Pet Discount

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30-Day Money Back Guarantee

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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

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.


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!

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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

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

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