Embrace vs. Met Life Pet Insurance

Met Life offers better pet insurance coverage than Embrace for both dogs and cats, ranking seventh nationally while Embrace ranks 10th. Met Life provides more deductible options ranging from $50 to $1,000, higher annual limits up to $100,000, and reimbursement rates up to 90%, while both companies have similar three-day accident waiting periods but Met Life allows coverage changes within 30 days of enrollment.

Met Life is the best pet insurance company in 35 states for cats and leads in Maine for dogs. Embrace ranks first for cat coverage only in South Carolina. Met Life's broad geographic presence gives it a clear advantage across most states.

Met Life offers more affordable pet insurance rates overall, winning across most age groups for both cats and dogs. For middle-aged dogs, Met Life costs $61 per month compared with Embrace's $77. Middle-aged cats cost $35 monthly with Met Life versus $46 with Embrace.

Learn how pet insurance costs vary across different age categories.

Pricing between these insurers varies by pet age, with neither offering the cheapest pet insurance across all categories. Met Life provides lower rates for middle-aged dogs and cats, while Embrace leads for kittens and puppies.

Pet owners looking to reduce long-term costs can benefit from multiple discount options with both Embrace and MetLife. Each company rewards multi-pet households and certain group memberships, helping make pet financial protection more affordable.

Embrace delivers better customer experience than Met Life, ranking sixth nationally for both dog and cat coverage in our study. Met Life ranks fourteenth, trailing by eight positions. Embrace maintains an A+ BBB rating and 4.1 Trustpilot score, while Met Life earns an A- BBB rating without accreditation despite its higher 4.5 Trustpilot score.

Embrace and MetLife Pet both provide broad pet insurance coverage for accidents, illnesses, and chronic conditions. While Embrace offers more customization through its Wellness Rewards program and unlimited annual limits, MetLife stands out for flexible deductibles and shorter waiting periods for accidents.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Pet owners can customize their coverage with add-ons that provide additional financial protection for preventive care, medications, and everyday wellness needs. Both providers make it possible to expand coverage based on your pet’s lifestyle and age.

Embrace offers two add-on plans:

• Wellness Rewards plan: Offers annual reimbursement for preventive care, including exams, dental cleaning, vaccines, blood tests, spay/neuter, microchipping, grooming, and training. Annual options range from $300 to $700 in benefits.
• Prescription drug coverage: Optional add-on that helps reimburse covered medications such as antibiotics, pain relievers, or allergy treatments.

MetLife offers two add-on wellness plans:

• Preventive care add-on: Expands coverage to include wellness exams, dental cleaning, vaccines, spay/neuter, and parasite prevention.
• Family Plan add-on: Allows up to three pets under one shared deductible policy, simplifying costs for multi-pet households.

Choosing between Embrace and Met Life depends on your priorities for pet insurance. Met Life wins in affordability and coverage options, with rates starting at $19 monthly for puppies and various add-on selections. Embrace excels in customer experience, earning a 4.7 out of 5.0 rating on Trustpilot compared with Met Life’s 4.2 out of 5.0 rating.

Compare Embrace and Met Life pet insurance through these common questions:

Evaluating Embrace versus Met Life required analyzing both providers under identical conditions and coverage parameters. We obtained quotes from each company using the same pet profiles and policy specifications:

• $5,000 annual limit
• 80% reimbursement rate
• $500 deductible
• 6-year-old Labrador Retriever for dog coverage
• 7-year-old Ragdoll for cat coverage

Both providers were scored using three primary factors weighted by their importance to pet owners.

Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess actual pricing, including available discounts to calculate realistic premium costs.

Customer Experience (30% of score): We analyzed Trustpilot ratings and reviewed 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.