Met Life offers better pet insurance for dogs and cats than ASPCA, ranking seventh nationally while ASPCA ranks eighth. Both providers offer similar deductible and annual limit options, but Met Life provides shorter accident waiting periods and more flexible coverage adjustment policies that allow pet owners to modify their plans within a specified timeframe after purchase.
ASPCA vs. Met Life Pet Insurance
Updated: December 4, 2025
Advertising & Editorial Disclosure
ASPCA vs. Met Life Pet Insurance: Key Takeaways
ASPCA provides more affordable pet insurance than Met Life, charging $31 monthly for middle-aged cats and $48 for dogs, while Met Life rates are higher at $35 and $61 respectively.
ASPCA ranks sixth nationally in customer experience for both cats and dogs, surpassing Met Life's eighth place ranking, though Met Life maintains a stronger Trustpilot score of 4.5 out of 5.0 compared to ASPCA's 3.7.
Met Life offers superior coverage options, ranking seventh nationwide compared to ASPCA's eighth place position, with both providers featuring standard accident coverage waiting periods and wellness care add ons.
Is ASPCA or Met Life Pet Insurance Better?
Data filtered by:
Dog
| Affordability | ASPCA | 2 | 6 |
| Coverage | Met Life | 7 | 8 |
| Customer Experience | ASPCA | 6 | 8 |
| Overall Score | ASPCA | 5 | 10 |
Learn more about the best pet insurance options for your pet across different situations:
ASPCA and Met Life Comparison by State
ASPCA is the best pet insurance company in three states for dogs and one state for cats. ASPCA ranks first for dog coverage in Nevada, Oklahoma and South Dakota, while leading cat insurance in South Carolina.
Data filtered by:
Overall Score
Dog
| Alabama | ASPCA | 5 | 5 |
| Alaska | ASPCA | 7 | 3 |
| Arizona | ASPCA | 5 | 5 |
| Arkansas | ASPCA | 7 | 3 |
| California | ASPCA | 5 | 5 |
| Colorado | ASPCA | 5 | 5 |
| Connecticut | ASPCA | 5 | 5 |
| Delaware | ASPCA | 6 | 4 |
| Florida | ASPCA | 5 | 5 |
| Georgia | ASPCA | 5 | 5 |
| Hawaii | ASPCA | 6 | 4 |
| Idaho | ASPCA | 5 | 5 |
| Illinois | ASPCA | 5 | 5 |
| Indiana | ASPCA | 5 | 5 |
| Iowa | ASPCA | 5 | 5 |
| Kansas | ASPCA | 6 | 4 |
| Kentucky | ASPCA | 7 | 3 |
| Louisiana | ASPCA | 5 | 5 |
| Maine | ASPCA | 8 | 1 |
| Maryland | ASPCA | 7 | 3 |
| Massachusetts | ASPCA | 5 | 5 |
| Michigan | ASPCA | 5 | 5 |
| Minnesota | ASPCA | 5 | 5 |
| Mississippi | ASPCA | 5 | 5 |
| Missouri | ASPCA | 5 | 5 |
| Montana | ASPCA | 6 | 4 |
| Nebraska | ASPCA | 6 | 4 |
| Nevada | ASPCA | 4 | 6 |
| New Hampshire | ASPCA | 6 | 4 |
| New Jersey | ASPCA | 7 | 3 |
| New Mexico | ASPCA | 5 | 5 |
| New York | ASPCA | 5 | 5 |
| North Carolina | ASPCA | 5 | 5 |
| North Dakota | ASPCA | 6 | 4 |
| Ohio | ASPCA | 5 | 5 |
| Oklahoma | ASPCA | 4 | 6 |
| Oregon | ASPCA | 5 | 5 |
| Pennsylvania | ASPCA | 5 | 5 |
| Rhode Island | ASPCA | 5 | 5 |
| South Carolina | ASPCA | 8 | 2 |
| South Dakota | ASPCA | 4 | 6 |
| Tennessee | ASPCA | 5 | 5 |
| Texas | ASPCA | 5 | 5 |
| Utah | ASPCA | 5 | 5 |
| Vermont | ASPCA | 7 | 3 |
| Virginia | ASPCA | 5 | 8 |
| Washington | ASPCA | 6 | 4 |
| West Virginia | ASPCA | 5 | 5 |
| Wisconsin | ASPCA | 5 | 5 |
| Wyoming | ASPCA | 7 | 3 |
ASPCA vs. Met Life Pet Insurance Cost
ASPCA offers more affordable pet insurance than Met Life across nearly all age groups for cats and dogs. For middle-aged dogs, ASPCA costs $48 per month compared with Met Life's $61. Middle-aged cats cost $31 with ASPCA versus $35 with Met Life.
See how much pet insurance costs across different age categories.
Data filtered by:
Select
| 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% |
ASPCA vs. Met Life Pet Insurance Cost by State
ASPCA offers the cheapest pet insurance across all 50 states for most pet categories. ASPCA leads pricing for middle-aged dogs, middle-aged cats, puppies and young pets, while Met Life only beats ASPCA for senior cats nationwide.
Data filtered by:
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% |
ASPCA vs. Met Life Pet Insurance Discounts
MetLife offers more pet insurance discounts than ASPCA. See the table below for details on each provider's specific discount offerings.
Multiple pets | 10% on each additional pet's base premium when you enroll with ASPCA. | Provides savings when enroll more than one pet with MetLife. |
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 fourteenth place ranking. ASPCA maintains an accredited A+ BBB rating and 3.7 Trustpilot score, while Met Life has a non-accredited A- BBB rating despite earning a higher 4.5 Trustpilot score.
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 frequently praise the company's streamlined claims process and responsive customer service, while ASPCA reviews show more mixed feedback regarding claim handling and support responsiveness.
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
We analyzed Reddit discussions and found similar sentiment patterns between both providers. ASPCA received 36% positive feedback from 11 total comments (4 positive, 7 negative), while Met Life achieved 40% positive sentiment from 20 comments (8 positive, 12 negative). Both companies show mixed customer perception on Reddit, with Met Life performing slightly better overall.
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. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but Met Life has a shorter waiting period for accidents, more coverage selection flexibility and allows pet owners to change their coverage within the first 14 days of purchase.
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 MetLife's group policy; the condition must be covered by the previous insurer |
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 MetLife both offer pet insurance add-ons to expand routine care coverage, but MetLife’s options provide more customization depending on your pet’s needs. Both providers offer comparable wellness plan choices, but the specific services and coverage levels differ. Compare each provider's add-on options:
ASPCA Pet Insurance Add-ons
ASPCA offers two wellness plan add-ons:
- Basic preventive care: Covers annual wellness exams, vaccines, heartworm testing, dental cleaning, deworming and fecal tests.
- Prime preventive care: Includes all Basic benefits plus spay/neuter, additional vaccines, urinalysis, blood work and flea/heartworm prevention.
Met Life Pet Insurance Add-ons
MetLife offers one customizable wellness care add-on with flexible reimbursement tiers:
- Preventive care: Provides coverage for annual exams, core vaccinations, parasite prevention, microchipping, anal gland expression, deworming, spay/neuter procedure, behavior training and more.
ASPCA vs. Met Life Pet Insurance: Bottom Line
ASPCA beats Met Life overall, delivering better affordability and customer service alongside solid coverage options. ASPCA's rates start at $48 per month for middle-aged dogs and $31 for cats, making it the more budget-friendly choice. The provider also earns an A+ BBB rating and 3.7 out of 5.0 Trustpilot score, showing stronger customer satisfaction. However, Met Life offers more comprehensive coverage options for pet owners who prioritize extensive benefits over cost savings.
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:
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.
Which has better customer service: ASPCA vs Met Life pet insurance?
ASPCA provides better customer service, ranking 6th nationally for customer experience compared to Met Life's 14th-place ranking. ASPCA holds a 3.6 out of 5.0 Trustpilot score and an A+ BBB rating, while Met Life achieves a 4.6 Trustpilot score but only an A- BBB rating.
Which offers better coverage: ASPCA vs Met Life pet insurance?
Met Life offers better coverage than ASPCA, ranking 7th nationally compared to ASPCA's 8th place ranking for both cats and dogs. Met Life provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care. Both insurers cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Met Life's broader selection of optional benefits allows for greater customization.
Can I switch from ASPCA vs Met Life pet insurance or vice versa?
You can switch between ASPCA and MetLife pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: typically 14 days for illnesses and up to 30 days for orthopedic conditions. Any health issues your pet had under the previous policy become pre-existing conditions with the new insurer.
Does ASPCA vs Met Life cover pre-existing conditions?
Neither ASPCA nor MetLife covers pre-existing conditions when you first enroll your pet. However, both insurers may provide coverage for certain conditions later. ASPCA covers curable pre-existing conditions after your pet remains symptom-free for 180 days, while MetLife requires a full year without symptoms before covering previously treated conditions.
Can I get discounts with both ASPCA vs Met Life pet insurance?
Yes, both ASPCA and MetLife pet insurance offer discounts to help reduce premium costs. ASPCA provides multiple discount opportunities, including savings for military members, veterinary professionals, and multi-pet households. MetLife offers fewer discount options but includes multi-pet discounts and potential savings through employer group benefits. Both companies' discount availability may vary by location and eligibility requirements.
What are the age limits for ASPCA vs Met Life pet insurance?
ASPCA pet insurance accepts pets of any age for enrollment with no upper age limits. MetLife restricts enrollment to pets under 14 years old, though some breeds face stricter limits starting at age 10. This makes ASPCA the better option for senior pet owners seeking coverage for older animals.
How We Scored ASPCA vs. Met Life Pet Insurance
Evaluating ASPCA vs Met Life required analyzing both providers under identical conditions and coverage parameters. We gathered quotes using the same pet profiles and policy specifications for fair comparison:
- $5,000 annual limit
- 80% reimbursement rate
- $500 deductible
- 6-year-old Labrador Retriever for dog coverage
- 7-year-old Ragdoll for cat coverage
MoneyGeek scored both companies using three weighted factors based on their importance to pet owners.
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess typical monthly premiums, including how available discounts affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot reviews and online feedback to measure customer satisfaction with claims processing and support services.
Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.
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.