Fetch vs. Met Life Pet Insurance

Fetch offers better pet insurance coverage than Met Life for both dogs and cats, ranking third nationally while Met Life ranks seventh. Research shows Fetch provides more flexible deductible options, higher annual coverage limits, and shorter accident waiting periods, while both companies offer similar reimbursement rates and coverage adjustment policies during the initial enrollment period.

Fetch is the best pet insurance company in 1 state for cats and 1 state for dogs. Fetch leads in Maryland for cat coverage and Virginia for dog coverage. Met Life ranks first for dogs in Maine.

Met Life offers more affordable pet insurance than Fetch across most age groups for both cats and dogs. For middle-aged dogs, Met Life costs $61 per month compared with Fetch's $103 per month. Middle-aged cats cost $35 with Met Life versus $45 with Fetch.

See how much pet insurance costs across different age categories.

Met Life provides cheapest pet insurance rates across most categories, leading in pricing for middle-aged dogs and cats. Fetch offers more affordable coverage only for kittens and young cats, making Met Life the better choice for most pet owners.

Both Fetch and MetLife offer savings options to make coverage more affordable, but their discount structures differ. MetLife provides more standard discount programs, while Fetch offers exclusive savings for members of certain organizations. The table below compares their available options.

Fetch delivers better customer experience than Met Life, ranking sixth nationally for both dog and cat insurance in our study. Met Life ranks fourteenth, trailing by eight positions. Both companies earn identical 4.5 out of 5.0 Trustpilot scores, but Fetch maintains a superior A+ BBB rating compared to Met Life's A- rating, reinforcing Fetch's customer service advantage.

Met Life offers better pet insurance coverage for dogs and cats than Fetch, ranking sixth nationally while Fetch 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.

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

Add-ons can help pet owners expand their financial protection for preventive care, medications, and specialized treatments. Fetch focuses on optional wellness and therapy coverage, while MetLife provides a structured wellness plan and a unique deductible-reduction benefit.

Fetch offers flexible optional upgrades to expand routine and therapeutic care.

• Wellness coverage: May include exams, dental cleaning, vaccines, parasite prevention, and bloodwork.
• Prescription medication add-on: Offers enhanced reimbursement for medications prescribed for covered illnesses or injuries.
• Alternative therapy add-on: Covers acupuncture, hydrotherapy, and other holistic treatments when recommended by a licensed veterinarian.
• Boarding and hospitalization add-on: Provides reimbursement if the policyholder is hospitalized and the pet requires boarding care.

MetLife’s add-ons help expand everyday and preventive coverage options.

• Preventive Care plan: Covers spay/neuter, blood tests, dental cleaning, and vaccines.
• Exam fee coverage: Helps reimburse vet visit fees tied to covered conditions.
• Deductible reduction benefit: Reduces annual deductible by $50 each year without a claim.
• Family plan add-on: Allows up to three pets under a single policy with a shared deductible.

Choosing between Fetch and Met Life depends on your priorities. Met Life delivers better affordability with rates starting at $61 per month for middle-aged dogs and $35 for cats. However, Fetch provides superior coverage options, including wellness benefits and alternative therapies, plus better customer service with an A+ BBB rating and 4.5 out of 5.0 Trustpilot score. Pet owners prioritizing comprehensive coverage should choose Fetch, while budget-conscious owners will find Met Life more affordable.

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

Evaluating Fetch versus Met Life required analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company using the same pet profiles and policy specifications listed below.

• $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 then scored both companies using three key factors weighted by their importance to pet insurance buyers.

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

Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to measure satisfaction levels with claims processing and customer support.

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.