Embrace vs. Met Life Pet Insurance

MoneyGeek's analysis of of pet insurance companies found that Met Life offers better pet insurance than Embrace for both dogs and cats. However, your best choice still depends on your priorities. That's why we've broken down our rating categories below to help ease your decision-making process:

• Affordability: Met Life ranks sixth for dogs and 10th for cats nationally, making it the more budget-friendly option between the two providers.
• Customer Experience: Embrace excels here with a sixth-place national ranking for dogs and cats. Met Life falls behind at eighth for both pets.
• Coverage: Met Life leads with a seventh-place national ranking for both dogs and cats, outperforming Embrace by three spots.

Learn more about the best pet insurance options for your pet across different situations:

Met Life wins against Embrace as the best pet insurance company in all 50 states for dogs and 43 states for cats. Embrace's cat coverage is better than Met Life's in Arkansas, Delaware, Illinois, Kansas, Nevada, North Dakota and South Carolina.

Met Life offers more affordable pet insurance than Embrace for most pet age groups, with up to 42% savings on senior cats. Embrace provides lower rates for kittens, puppies and young cats, with kitten coverage having the highest savings of 17%.

Learn how much pet insurance costs vary across different age categories below.

At the state-level, Met Life offers the cheapest pet insurance compared to Embrace in 50 states for young dogs, middle-aged pets and senior pets. Embrace wins against Met Life nationwide for young cats, kittens and puppies. 

• Kittens: Embrace wins in all 50 states with Arkansas having the lowest rate at $14 monthly (18% savings over Met Life).
• Puppies: Embrace leads nationwide over Met Life, with Arkansas providing the most affordable coverage at $22 monthly (8% savings).
• Young Cats: Embrace dominates 50 states, and Arkansas offers the lowest rate at $19 monthly (3% savings).
• Young Dogs: Met Life wins over Embrace nationwide, with the lowest rate in Arkansas at $30 monthly.
• Middle-Aged Cats: Met Life leads all 50 states, with Arkansas at $24 monthly delivering 21% savings.
• Middle-Aged Dogs: Met Life wins every state against Embrace, offering Arkansas' lowest rate at $41 monthly (21% savings).
• Senior Cats: Met Life dominates 50 states, with Arkansas at $38 monthly saving pet owners 41%.
• Senior Dogs: Met Life sweeps all states, with Arkansas at $81 monthly providing 36% savings.

Met Life offers more pet insurance discounts than Embrace, with eight discount types compared to Embrace's two. Both providers offer multi-pet and military discounts, but Met Life provides higher military savings at 10% versus Embrace's 5%. Met Life also rewards federal employees, health care workers, animal care professionals, employer group members, association members and online purchasers.

Embrace provides better customer experience than for both dogs and cats, ranking sixth nationally compared to Met Life's eighth position. Although Met Life holds a stronger Trustpilot rating and higher positive sentiment on Reddit, Embrace edges ahead in terms of BBB (Better Business Bureau) rating.

Met Life provides broader pet insurance coverage for dogs and cats than Embrace, placing seventh nationally while Embrace ranks 10th. Although Embrace offers unlimited coverage, Met Life still wins against its competitor for its $0-deductible plan and shorter waiting period for orthopedic conditions (14 days versus six months).

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

Both Embrace and Met Life offer optional add-ons to expand your base policy's coverage based on your pet's lifestyle. Currently, Embrace has two available add-ons:

• Wellness Rewards: Offers annual reimbursement of $300, $500 or $700 for preventive care services, including exams, dental cleaning, vaccines, microchipping, grooming and training.
• Exam Fee: Optional add-on that helps reimburse vet exam fees related to covered accidents and illnesses.

In contrast, Met Life only offers Preventive Care add-on, which expands coverage to include wellness exams, dental cleaning, vaccines, spay/neuter and parasite prevention.

Overall, Met Life offers better pet insurance than Embrace for dogs and cats. However, choosing between the two still depends on your priorities for coverage. Met Life is ideal if you're seeking more affordable rates and broader coverage, with middle-aged cats costing $35 monthly. Embrace may be preferable if you value excellent customer service, as the company earns a strong A+ BBB rating and 4.1 out of 5.0 score from Trustpilot.

Compare other major pet insurance companies to determine the best choice for your pet:

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