Based on our study of pet insurance companies, ASPCA offers better pet insurance for dogs and cats than Met Life. However, your best choice depends on what you're looking for. ASPCA is the best choice if you value affordability for both pets and great customer experience, while Met Life is ideal if you prioritize better coverage options.
ASPCA vs. Met Life Pet Insurance
Updated: December 19, 2025
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ASPCA vs. Met Life Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance than Met Life, charging $31 monthly for cats and $48 for dogs, allowing you to save 14% and 21%, respectively.
ASPCA ranks sixth nationally in customer experience for both cats and dogs, surpassing Met Life's eighth place ranking, largely thanks to its higher rating from the Better Business Bureau.
Met Life has better coverage options than ASPCA, offering more flexibility in customizing policies and no waiting period for new accidents.
Is ASPCA or Met Life Pet Insurance Better?
| Cat | Overall Score | ASPCA | 9 | 12 |
| Dog | Overall Score | ASPCA | 5 | 10 |
| Cat | Customer Experience | ASPCA | 6 | 8 |
| Dog | Customer Experience | ASPCA | 6 | 8 |
| Cat | Coverage | Met Life | 7 | 8 |
| Dog | Coverage | Met Life | 7 | 8 |
| Cat | Affordability | ASPCA | 7 | 10 |
| Dog | Affordability | ASPCA | 2 | 6 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet across different situations:
ASPCA and Met Life Comparison by State
Our analysis found that ASPCA is the best pet insurance company in all 50 states for dogs and cats, outperforming Met Life.
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How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
ASPCA vs. Met Life Pet Insurance Cost
Our pet insurance cost study found that ASPCA offers more affordable pet insurance than Met Life across nearly all age groups for cats and dogs.
- Kittens: ASPCA charges $14 monthly, 44% less than Met Life's $25 rate.
- Puppies: At $25 monthly, ASPCA saves pet owners 31% compared to Met Life's $36.
- Young cats: ASPCA's $20 monthly rate beats Met Life's $29 by 32%.
- Young dogs: Pet owners pay $31 with ASPCA versus $44 with Met Life, saving 29%.
- Middle-aged cats: ASPCA costs $31 monthly while Met Life charges $35, a 14% difference.
- Middle-aged dogs: ASPCA's $48 monthly rate undercuts Met Life's $61 by 21%.
- Senior cats: Met Life wins at $57 monthly compared to ASPCA's $74, saving 23%.
- Senior dogs: ASPCA charges $116 monthly, just 5% less than Met Life's $122.
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| Kittens | ASPCA | $14 | 44% |
| Young Cats | ASPCA | $20 | 32% |
| Puppies | ASPCA | $25 | 31% |
| Middle Aged Cats | ASPCA | $31 | 14% |
| Young Dogs | ASPCA | $31 | 29% |
| Middle Aged Dogs | ASPCA | $48 | 21% |
| Senior Cats | Met Life | $57 | 23% |
| Senior Dogs | ASPCA | $116 | 5% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
ASPCA vs. Met Life Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance in all 50 states for most pet categories. ASPCA leads in affordability over Met Life for middle-aged dogs, middle-aged cats, puppies, kittens, young cats and young dogs across the country.
Met Life only wins over ASPCA in the senior cat category, delivering lower rates in 50 states.
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Middle Aged Dogs
| Alabama | ASPCA | $35 | 21% |
| Alaska | ASPCA | $47 | 21% |
| Arizona | ASPCA | $58 | 21% |
| Arkansas | ASPCA | $32 | 21% |
| California | ASPCA | $60 | 21% |
| Colorado | ASPCA | $60 | 21% |
| Connecticut | ASPCA | $55 | 21% |
| Delaware | ASPCA | $48 | 21% |
| Florida | ASPCA | $54 | 21% |
| Georgia | ASPCA | $43 | 21% |
| Hawaii | ASPCA | $48 | 21% |
| Idaho | ASPCA | $48 | 21% |
| Illinois | ASPCA | $59 | 21% |
| Indiana | ASPCA | $43 | 21% |
| Iowa | ASPCA | $40 | 21% |
| Kansas | ASPCA | $44 | 21% |
| Kentucky | ASPCA | $38 | 21% |
| Louisiana | ASPCA | $39 | 21% |
| Maine | ASPCA | $58 | 21% |
| Maryland | ASPCA | $47 | 21% |
| Massachusetts | ASPCA | $62 | 21% |
| Michigan | ASPCA | $48 | 21% |
| Minnesota | ASPCA | $50 | 21% |
| Mississippi | ASPCA | $41 | 21% |
| Missouri | ASPCA | $38 | 21% |
| Montana | ASPCA | $40 | 21% |
| Nebraska | ASPCA | $43 | 21% |
| Nevada | ASPCA | $50 | 21% |
| New Hampshire | ASPCA | $56 | 21% |
| New Jersey | ASPCA | $54 | 21% |
| New Mexico | ASPCA | $42 | 21% |
| New York | ASPCA | $52 | 21% |
| North Carolina | ASPCA | $43 | 21% |
| North Dakota | ASPCA | $37 | 21% |
| Ohio | ASPCA | $44 | 21% |
| Oklahoma | ASPCA | $40 | 21% |
| Oregon | ASPCA | $59 | 21% |
| Pennsylvania | ASPCA | $50 | 21% |
| Rhode Island | ASPCA | $42 | 21% |
| South Carolina | ASPCA | $45 | 21% |
| South Dakota | ASPCA | $42 | 21% |
| Tennessee | ASPCA | $44 | 21% |
| Texas | ASPCA | $51 | 21% |
| Utah | ASPCA | $46 | 21% |
| Vermont | ASPCA | $45 | 21% |
| Virginia | ASPCA | $51 | 22% |
| Washington | ASPCA | $55 | 21% |
| West Virginia | ASPCA | $41 | 21% |
| Wisconsin | ASPCA | $51 | 21% |
| Wyoming | ASPCA | $44 | 21% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
ASPCA vs. Met Life Pet Insurance Discounts
Met Life offers more pet insurance discounts than ASPCA, including exclusive savings for military members, federal employees and health care workers. While both providers offer identical 10% discounts for multi-pet households, employer group plans and veterinary staff, ASPCA provides a higher 10% association discount compared to Met Life's 5%, making the former better for association members.
Multiple pets | 10% on each additional pet's base premium when you enroll with ASPCA. | Provides savings when enroll more than one pet with Met Life. |
Employer group plan | Save 10% on pet insurance for joining a participating employer's benefit program. | Get 10% off when you join a participating employer's group plan. |
Association | 10% discount for members of certain associations, such as REALTOR benefits programs. | 5% off for members of participating organizations. |
Veterinary staff | Employees of veterinary practices get 10% off on pet insurance. | Owners, staff members or volunteer workers in the animal care industry get a 10% discount. |
Military, veteran and first responder | None. | 10% off for first responders or active/former members of the Armed Forces or National Guard/Reservists. |
Federal employee | None. | Federal employees of the U.S. Government get a discount on pet insurance. |
Healthcare worker | None. | Those working in the healthcare industry save 10% off on pet insurance. |
Internet purchase | None. | Reduces base premium by $1 when purchase your pet insurance policy online. |
Deductible | None. | Reduces deductible by $50 for the next policy year for policyholders who have not filed a claim within the year. |
ASPCA vs. Met Life Pet Insurance Customer Experience
ASPCA delivers better customer experience than Met Life, ranking sixth nationally for both dogs and cats compared to Met Life's 14th place ranking. Met Life outperforms ASPCA on Trustpilot (4.6 rating vs. 3.6) and garners more positive comments on Reddit, while ASPCA holds a higher rating from the Better Business Bureau.
ASPCA vs Met Life Trustpilot ratings
Met Life outperforms ASPCA on Trustpilot with a 4.6 out of 5.0 rating compared to ASPCA's 3.6 out of 5.0. Met Life's verified customers praise the company's streamlined claims process and responsive customer service, with many highlighting quick reimbursements and helpful representatives. ASPCA reviews show more mixed feedback, with customers appreciating easy claim submissions and prompt payments but expressing concerns about claim denials and rising premiums.
ASPCA vs Met Life BBB ratings
ASPCA holds an A+ BBB rating with full accreditation, while Met Life maintains an A- rating but is not accredited. ASPCA's accredited status indicates stronger commitment to BBB standards for complaint resolution and business transparency.
ASPCA vs Met Life Pet Insurance Reddit Sentiment
Both companies show mixed customer perception on Reddit, though Met Life performs slightly better than ASPCA. Met Life has 40% positive sentiment from 20 comments (eight positive, 12 negative), with users highlighting the company's helpful service representatives and quick response times but pointing out its claim processing delays. ASPCA has 36% positive feedback from 11 total comments (four positive, seven negative), with most of the complaints focused on slow claim processing and unexpected coverage exclusions.
ASPCA vs. Met Life Pet Insurance Coverage
Met Life offers better pet insurance coverage for dogs and cats than ASPCA, ranking sixth nationally while ASPCA ranks eighth. Although ASPCA offers accident-only plans and unlimited payouts, Met Life stands out by providing more flexibility in coverage options and immediate coverage for accidents.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500 | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
$2,500, $5,000, $7,000, $10,000, Unlimited | $500 to $25,000 in $1,000 increments | |
70%, 80%, 90% | 50%, 70%, 80%, 90% | |
14 days for accidents, illnesses and knee or ligament conditions | 0 days for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | No upper age limit in most states | No explicit upper age limit stated for base plan |
Pre‑existing conditions | Curable conditions may be eligible after 180 symptom‑free days | Only covers certain pre-existing conditions when you switch from another provider to Met Life's group policy; the condition must be covered by the previous insurer |
Accident-only coverage | Offers accident-only plans that reimburse the cost of exam fees, diagnostics and treatment for accidents and injuries | Doesn't have accident-only coverage |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
ASPCA vs. Met Life Pet Insurance Add-ons
ASPCA and Met Life both offer pet insurance add-ons to include routine care coverage in their base policies, but Met Life’s options provide more customization depending on your pet’s needs.
- Basic preventive care: Covers routine wellness services up to $250 yearly. Includes wellness exams, vaccines, flea and tick prevention, heartworm testing and prevention, routine blood work, urinalysis, fecal testing, and dental cleaning.
- Prime preventive care: Offers expanded coverage that totals up to $450 yearly. Covers all Basic plan services, plus spay or neuter procedures, health certificates and additional diagnostic tests.
- Preventive 365: Provides routine care coverage with lower annual limits per service. Includes wellness exams, vaccinations, flea and tick prevention, heartworm testing and prevention, routine blood work, urinalysis, fecal testing, dental cleaning (up to $100), spay or neuter surgery (up to $100), microchipping, nail trimming, anal gland expression and behavioral training.
- Preventive 575: Delivers expanded routine care coverage with higher annual limits per service. Includes the same services as Preventive 365 but with increased reimbursement amounts. Dental cleaning is covered up to $150, similar to spay or neuter surgery.
ASPCA vs. Met Life Pet Insurance: Bottom Line
Between ASPCA and Met Life, the best pet insurance provider for you depends on your priorities. ASPCA offers the best and cheapest pet insurance for dogs and cats. It's also ideal if you're looking for excellent customer service. Met Life is the top choice if you want more comprehensive coverage options.
Compare other major pet insurance companies to determine the best choice for your pet:
ASPCA vs. Met Life Pet Insurance Comparison: FAQ
Compare ASPCA and Met Life pet insurance through these common questions:
What is the difference between ASPCA vs. Met Life Pet Insurance?
ASPCA offers accident-only and comprehensive coverage policies with two optional wellness plans, while Met Life provides accident and illness coverage with two wellness add-ons. ASPCA requires a 14-day waiting period for accidents, whereas Met Life offers immediate accident coverage.
Which is cheaper: ASPCA vs Met Life pet insurance?
ASPCA is cheaper than Met Life pet insurance across most age groups and states. ASPCA charges $31 monthly for middle-aged cats versus Met Life's $35, and $48 for middle-aged dogs compared to Met Life's $61. Only senior cats cost less with Met Life, making ASPCA the more affordable choice overall.
Does ASPCA or Met Life offer better coverage for older pets?
Met Life provides better coverage than ASPCA for older pets, with no waiting period for accidents and various options for coverage levels. The company covers cancer, digestive illnesses, chronic conditions and even parasites. It also has no upper age limits, so you can enroll your older pet.
How do claim processing and reimbursements compare between ASPCA vs. Met Life?
ASPCA processes claims within 30 days and sends reimbursement in nine days or more, while Met Life advertises a 10-day average processing time and reimburses covered costs within five days. Both companies offer direct deposit and mailed check options for reimbursements.
Which is better overall: ASPCA vs. Met Life Pet Insurance?
ASPCA is better overall than Met Life, providing great customer experience and affordable rates for most cats and dogs. Met Life suits pet owners who value extensive coverage customization.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.