Based on MoneyGeek's analysis, Fetch offers better pet insurance for cats, while Met Life is more ideal for dogs. That said, your best option may differ based on your priority. Met Life is the clear choice if you're looking for low-cost pet insurance, whereas Fetch is the better fit if you value quality service and comprehensive coverage.
Fetch vs. Met Life Pet Insurance
Updated: January 11, 2026
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Fetch vs. Met Life Pet Insurance: Key Takeaways
Met Life provides more affordable pet insurance, charging $35 monthly for middle-aged cats and $61 for dogs, while Fetch costs $45 and $103 respectively.
Fetch delivers better customer service than Met Life, earning high ratings from Trustpilot (4.5 out of 5.0) and the Better Business Bureau (A rating with full accreditation) for its fast claims processing and helpful customer service.
Fetch's pet insurance coverage is superior to Met Life's, offering the option for unlimited payouts and covering curable pre-existing conditions if cured and symptom-free after 365 days.
Is Fetch or Met Life Pet Insurance Better?
| Cat | Affordability | Met Life | 10 | 12 |
| Dog | Affordability | Met Life | 6 | 13 |
| Cat | Coverage | Fetch | 3 | 7 |
| Dog | Coverage | Fetch | 3 | 7 |
| Cat | Customer Experience | Fetch | 6 | 8 |
| Dog | Customer Experience | Fetch | 6 | 8 |
| Cat | Overall Score | Fetch | 10 | 12 |
| Dog | Overall Score | Met Life | 10 | 11 |
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:
Fetch and Met Life Comparison by State
Fetch ranks as the best pet insurance company for cats in all 50 states when compared to Met Life. Meanwhile, Met Life wins in 49 states for dog coverage, with Fetch leading in Virginia.
Data filtered by:
Select
| Alabama | Cat | Fetch |
| Alabama | Dog | Met Life |
| Alaska | Cat | Fetch |
| Alaska | Dog | Met Life |
| Arizona | Cat | Fetch |
| Arizona | Dog | Met Life |
| Arkansas | Cat | Fetch |
| Arkansas | Dog | Met Life |
| California | Cat | Fetch |
| California | Dog | Met Life |
| Colorado | Cat | Fetch |
| Colorado | Dog | Met Life |
| Connecticut | Cat | Fetch |
| Connecticut | Dog | Met Life |
| Delaware | Cat | Fetch |
| Delaware | Dog | Met Life |
| Florida | Cat | Fetch |
| Florida | Dog | Met Life |
| Georgia | Cat | Fetch |
| Georgia | Dog | Met Life |
| Hawaii | Cat | Fetch |
| Hawaii | Dog | Met Life |
| Idaho | Cat | Fetch |
| Idaho | Dog | Met Life |
| Illinois | Cat | Fetch |
| Illinois | Dog | Met Life |
| Indiana | Cat | Fetch |
| Indiana | Dog | Met Life |
| Iowa | Cat | Fetch |
| Iowa | Dog | Met Life |
| Kansas | Cat | Fetch |
| Kansas | Dog | Met Life |
| Kentucky | Cat | Fetch |
| Kentucky | Dog | Met Life |
| Louisiana | Cat | Fetch |
| Louisiana | Dog | Met Life |
| Maine | Cat | Fetch |
| Maine | Dog | Met Life |
| Maryland | Cat | Fetch |
| Maryland | Dog | Met Life |
| Massachusetts | Cat | Fetch |
| Massachusetts | Dog | Met Life |
| Michigan | Cat | Fetch |
| Michigan | Dog | Met Life |
| Minnesota | Cat | Fetch |
| Minnesota | Dog | Met Life |
| Mississippi | Cat | Fetch |
| Mississippi | Dog | Met Life |
| Missouri | Cat | Fetch |
| Missouri | Dog | Met Life |
| Montana | Cat | Fetch |
| Montana | Dog | Met Life |
| Nebraska | Cat | Fetch |
| Nebraska | Dog | Met Life |
| Nevada | Cat | Fetch |
| Nevada | Dog | Met Life |
| New Hampshire | Cat | Fetch |
| New Hampshire | Dog | Met Life |
| New Jersey | Cat | Fetch |
| New Jersey | Dog | Met Life |
| New Mexico | Cat | Fetch |
| New Mexico | Dog | Met Life |
| New York | Cat | Fetch |
| New York | Dog | Met Life |
| North Carolina | Cat | Fetch |
| North Carolina | Dog | Met Life |
| North Dakota | Cat | Fetch |
| North Dakota | Dog | Met Life |
| Ohio | Cat | Fetch |
| Ohio | Dog | Met Life |
| Oklahoma | Cat | Fetch |
| Oklahoma | Dog | Met Life |
| Oregon | Cat | Fetch |
| Oregon | Dog | Met Life |
| Pennsylvania | Cat | Fetch |
| Pennsylvania | Dog | Met Life |
| Rhode Island | Cat | Fetch |
| Rhode Island | Dog | Met Life |
| South Carolina | Cat | Fetch |
| South Carolina | Dog | Met Life |
| South Dakota | Cat | Fetch |
| South Dakota | Dog | Met Life |
| Tennessee | Cat | Fetch |
| Tennessee | Dog | Met Life |
| Texas | Cat | Fetch |
| Texas | Dog | Met Life |
| Utah | Cat | Fetch |
| Utah | Dog | Met Life |
| Vermont | Cat | Fetch |
| Vermont | Dog | Met Life |
| Virginia | Cat | Fetch |
| Virginia | Dog | Fetch |
| Washington | Cat | Fetch |
| Washington | Dog | Met Life |
| West Virginia | Cat | Fetch |
| West Virginia | Dog | Met Life |
| Wisconsin | Cat | Fetch |
| Wisconsin | Dog | Met Life |
| Wyoming | Cat | Fetch |
| Wyoming | Dog | Met Life |
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.
Fetch vs. Met Life Pet Insurance Cost
Our pet insurance cost study found that Met Life offers lower rates for six of eight pet age categories in comparison to Fetch, which only wins for kittens and younger cats.
- Kittens: Fetch costs $14 monthly compared to Met Life's $25, saving you 44% on coverage for your new cat.
- Puppies: Your puppy costs $36 monthly with Met Life versus $45 monthly with Fetch, a 21% difference.
- Young Cats: Fetch charges $23 monthly while Met Life costs $29 monthly, cutting your bill by 22%.
- Young Dogs: Met Life's $44 monthly rate beats Fetch's $60 monthly rate, providing 26% savings for dogs under three years old.
- Middle Age Cats: Met Life costs $35 monthly against Fetch's $45 monthly, offering 20% lower rates.
- Middle Age Dogs: You'll pay $61 monthly with Met Life compared to $103 monthly with Fetch for around 41% savings.
- Senior Cats: Met Life charges $57 per month while Fetch costs $135 per month, saving you 58% on premiums.
- Senior Dogs: Met Life's $122 monthly rate beats Fetch's $305 monthly rate by 60%.
Data filtered by:
Select
| Kittens | Fetch | $14 | 44% |
| Young Cats | Fetch | $23 | 22% |
| Middle Aged Cats | Met Life | $35 | 20% |
| Puppies | Met Life | $36 | 21% |
| Young Dogs | Met Life | $44 | 26% |
| Senior Cats | Met Life | $57 | 58% |
| Middle Aged Dogs | Met Life | $61 | 41% |
| Senior Dogs | Met Life | $122 | 60% |
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.
Fetch vs. Met Life Pet Insurance Cost by State
Between Met Life and Fetch, we found that Met Life offers the cheapest pet insurance in 50 states for six of eight age categories. Met Life wins nationwide for puppies, young dogs, middle age cats, middle age dogs, senior cats and senior dogs, while Fetch beats Met Life only for kittens and young cats.
Data filtered by:
Middle Aged Dogs
| Alabama | Met Life | $45 | 41% |
| Alaska | Met Life | $59 | 41% |
| Arizona | Met Life | $74 | 42% |
| Arkansas | Met Life | $41 | 41% |
| California | Met Life | $77 | 41% |
| Colorado | Met Life | $76 | 41% |
| Connecticut | Met Life | $69 | 41% |
| Delaware | Met Life | $61 | 41% |
| Florida | Met Life | $69 | 41% |
| Georgia | Met Life | $55 | 42% |
| Hawaii | Met Life | $61 | 41% |
| Idaho | Met Life | $61 | 41% |
| Illinois | Met Life | $75 | 41% |
| Indiana | Met Life | $55 | 41% |
| Iowa | Met Life | $51 | 41% |
| Kansas | Met Life | $55 | 41% |
| Kentucky | Met Life | $48 | 41% |
| Louisiana | Met Life | $49 | 41% |
| Maine | Met Life | $74 | 41% |
| Maryland | Met Life | $60 | 41% |
| Massachusetts | Met Life | $78 | 41% |
| Michigan | Met Life | $61 | 41% |
| Minnesota | Met Life | $63 | 41% |
| Mississippi | Met Life | $52 | 41% |
| Missouri | Met Life | $48 | 41% |
| Montana | Met Life | $51 | 41% |
| Nebraska | Met Life | $55 | 41% |
| Nevada | Met Life | $63 | 41% |
| New Hampshire | Met Life | $71 | 41% |
| New Jersey | Met Life | $68 | 42% |
| New Mexico | Met Life | $54 | 41% |
| New York | Met Life | $66 | 42% |
| North Carolina | Met Life | $54 | 41% |
| North Dakota | Met Life | $47 | 41% |
| Ohio | Met Life | $56 | 41% |
| Oklahoma | Met Life | $51 | 41% |
| Oregon | Met Life | $75 | 41% |
| Pennsylvania | Met Life | $63 | 41% |
| Rhode Island | Met Life | $53 | 41% |
| South Carolina | Met Life | $58 | 41% |
| South Dakota | Met Life | $54 | 41% |
| Tennessee | Met Life | $56 | 41% |
| Texas | Met Life | $64 | 41% |
| Utah | Met Life | $58 | 41% |
| Vermont | Met Life | $56 | 41% |
| Virginia | Met Life | $65 | 41% |
| Washington | Met Life | $70 | 41% |
| West Virginia | Met Life | $52 | 41% |
| Wisconsin | Met Life | $65 | 41% |
| Wyoming | Met Life | $56 | 41% |
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.
Fetch vs. Met Life Pet Insurance Discounts
Met Life gives you more ways to save with nine pet insurance discounts against Fetch's three. Both insurers match at 10% off for military members and employer group plans, so you'll save the same with either provider for those discounts. However, Fetch offers a higher discount for memberships of participating organizations than Met Life.
Multiple pets | None. | Offers rate reductions when you insure more than one pet with Met Life. |
Military | Save 10% off if you're an active military or a veteran who enroll with proof of service. | Active or former Armed Forces, National Guard or Reserves members, or first responders receive 10% off on premiums. |
Membership | ARP members who enroll through the AARP benefit page save 10% on pet insurance. | Provides 5% off for members of participating organizations. |
Employer group plan | Get 10% off if sign up with a participating employer's group plan. | Receive 10% if you join a participating employer's group plan. |
Veterinary staff | None. | Owners, staff members or volunteer workers in the animal care industry get 10% discount. |
Federal employees | None. | Federal employees of the U.S. Government get discounts if you enroll with Met Life. |
Internet purchase | None. | Lowers base premium by $1 when purchase pet insurance online. |
Health care workers | None. | Provides 10% for those who work in the health care industry. |
Deductible | None. | Reduces deductible by $50 for the next policy year if you didn't file a claim within the year. |
Fetch vs. Met Life Pet Insurance Customer Experience
Fetch delivers better customer experience, ranking sixth nationally for both dog and cat insurance in our study, ahead of Met Life by two spots. While Met Life holds higher ratings from Trustpilot and the Better Business Bureau, Fetch's BBB accreditation gives it an advantage in trust and complaint resolution.
Fetch vs Met Life Trustpilot ratings
Met Life's 4.6 out of 5.0 Trustpilot rating edges out Fetch's 4.5 out of 5.0 across nearly 10,000 combined reviews. Pet owners praise both insurers for fast claim processing and helpful customer service, with Met Life reviewers highlighting quick reimbursements while Fetch customers appreciate its straightforward submissions. Complaints center on claim denials for both providers, with Met Life users noting premium increases and Fetch policyholders reporting occasional coverage disputes.
Fetch vs Met Life BBB ratings
Fetch holds BBB accreditation with an A rating, while Met Life maintains an A- rating but lacks BBB accreditation. Fetch's A rating indicates it meets BBB standards for trust and handles the 198 complaints filed against it appropriately, while Met Life's non-accredited status means it hasn't sought or received BBB approval.
Fetch vs Met Life Pet Insurance Reddit sentiment
Based on our Reddit analysis, Met Life garners 40% positive sentiment with eight positive and 12 negative comments, while Fetch only has 8% positive sentiment from one positive and 12 negative feedback. Reddit users praised Met Life for straightforward policy language and claim approvals processed within seven to 10 days, while Fetch members complained about confusing reimbursement calculations and denied claims for conditions they thought were covered.
Fetch vs. Met Life Pet Insurance Coverage
Fetch offers better pet insurance coverage for dogs and cats than Met Life, with Fetch ranking third nationally in our analysis versus Met Life placing seventh. Although Fetch has longer waiting periods and no $0 deductible option compared to Met Life, Fetch still edges ahead for offering unlimited payouts and covering curable pre-existing conditions after one symptom-free year.
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 | ✓ | ✓ |
✓ | ✓ | |
$250 to $2,500 | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
$5,000, $10,000, $15,000, Unlimited | $500 to $25,000 in $1,000 increments | |
70%, 80%, 90% | 50%, 70%, 80%, 90% | |
15 days for accidents and illnesses, six months for orthopedic and cruciate conditions | 0 days for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | No upper age limits for accident and illness coverage | No upper age restrictions for enrollment |
Pre-existing conditions | Curable conditions may be covered if cured and symptom-free for 365 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 |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Fetch vs. Met Life Pet Insurance Add-ons
Both Fetch and Met Life offer optional wellness plans as their only add-on, but Fetch provides three tiers while Met Life only has two. Here's how the companies' wellness plans stack up:
- Essentials ($315 annual coverage): Covers basic preventive care like annual exams, vaccinations, flea and tick prevention, heartworm testing and dental cleanings for $10 monthly. You'll get reimbursed up to specific limits for each service with no deductible or copay.
- Advantage ($520 annual coverage): Includes everything in Essentials with higher reimbursement limits, plus coverage for microchipping and anal gland expression for $20 monthly. This mid-tier option gives you more savings on routine care without maxing out your budget.
- Prime ($735 annual coverage): Provides the highest coverage with everything from Advantage plus extras like behavioral exams, activity monitors and health certificates for $30 monthly. Prime also covers up to $250 for both dental cleanings and spay/neuter procedures.
- Preventive 365 ($365 annual coverage): Reimburses up to $365 annually across six categories including vet exams ($50), vaccinations and parasite prevention ($75), and spay/neuter or teeth cleaning ($100). Coverage starts immediately with a zero-day waiting period once you enroll.
- Preventive 575 ($575 annual coverage): Offers higher reimbursement limits across the same six categories, including $75 for vet exams, $100 for vaccinations and $150 for spay/neuter or teeth cleaning. Met Life processes wellness claims within five to 10 days after receiving your invoices.
Fetch vs. Met Life Pet Insurance: Bottom Line
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, including unlimited payouts and reimbursement for curable pre-existing conditions, plus better customer service with an A BBB rating and 4.5 out of 5.0 Trustpilot score.
Compare other major pet insurance companies to determine the best choice for your pet:
Fetch vs. Met Life Pet Insurance Comparison: FAQ
Compare Fetch and Met Life pet insurance through these common questions:
Which is better: Fetch or Met Life pet insurance?
Met Life offers better pet insurance for dogs while Fetch is more suitable for cats, but your choice depends on what matters most to you. Met Life may be the right fit for you is you prioritize cost savings as the company providers lower rates and more discounts than Fetch. That said, Fetch may be ideal if you're looking for excellent customer service and broader pet insurance coverage.
Is Fetch or Met Life pet insurance cheaper?
Met Life offers more affordable coverage than Fetch, with premiums starting at $35 monthly for middle-aged cats and $61 monthly for middle-aged dogs. Fetch's monthly pricing stays competitive but runs higher at $45 and $103, respectively.
Does Fetch or Met Life have better coverage for older pets?
Fetch provides better coverage for older pets, with the provider having an unlimited payout option for annual limits and covering curable pre-existing conditions if cured and symptom-free for a year. Additionally, Fetch covers pets of all ages with no upper enrollment limits, making it accessible for senior pets.
How do Fetch and Met Life compare for wellness and preventive care?
Fetch provides three wellness tiers ranging from $315 to $735 annually, while Met Life offers two tiers at $365 and $575 annually. Fetch's Prime plan covers up to $250 for both dental cleanings and spay/neuter procedures, more than Met Life's $150 maximum.
Which has better customer satisfaction: Fetch or Met Life pet insurance?
Fetch's customer service is superior than Met Life's, having full accreditation from the BBB along with an A rating for meeting BBB standards for trust and handling complaints filed against it appropriately. Fetch also has a 4.5 out of 5.0 Trustpilot rating.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.