Figo offers better pet insurance than Met Life for dogs and cats based on overall performance in MoneyGeek's analysis. However, your best choice may change based on what you're looking for. Figo is the ideal option if want more affordable cat insurance, excellent customer service or broader coverage. Met Life is more suitable if you want cheaper dog insurance.
Figo vs. Met Life Pet Insurance
Updated: January 12, 2026
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Figo vs. Met Life Pet Insurance: Key Takeaways
Figo provides more affordable pet insurance rates than Met Life for most age categories, with up to 59% savings for kitten coverage.
Figo's customer service outperforms Met Life's in our analysis, backed by its status of being BBB-accredited business for upholding BBB Standards for Trust.
Figo offers broader pet insurance coverage than Met Life, featuring options for unlimited payouts and 100% reimbursement. Figo also extends coverage to curable pre-existing conditions after 12 symptom-free months.
Is Figo or Met Life Pet Insurance Better?
| Cat | Affordability | Figo | 5 | 10 |
| Dog | Affordability | Met Life | 6 | 8 |
| Cat | Coverage | Figo | 5 | 7 |
| Dog | Coverage | Figo | 5 | 7 |
| Cat | Customer Experience | Figo | 7 | 8 |
| Dog | Customer Experience | Figo | 7 | 8 |
| Cat | Overall Score | Figo | 8 | 12 |
| Dog | Overall Score | Figo | 8 | 10 |
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:
Figo and Met Life Comparison by State
Figo ranks as the best pet insurance company in all 50 states for cats and 49 states for dogs when compared to Met Life. Meanwhile, Met Life upsets Figo in Maine, making it the stronger option for dogs in the state.
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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.
Figo vs. Met Life Pet Insurance Cost
Figo is more affordable than Met Life across six out of our eight pet insurance cost categories, with kitten coverage offering the biggest savings at 59% cheaper monthly. Met Life wins for senior pets, charging 44% less for senior cats and 32% less for senior dogs compared to Figo.
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| Kittens | Figo | $10 | 59% |
| Young Cats | Figo | $16 | 43% |
| Puppies | Figo | $21 | 40% |
| Young Dogs | Figo | $30 | 33% |
| Middle Aged Cats | Figo | $30 | 16% |
| Middle Aged Dogs | Figo | $52 | 14% |
| Senior Cats | Met Life | $57 | 44% |
| Senior Dogs | Met Life | $122 | 32% |
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.
Figo vs. Met Life Pet Insurance Cost by State
Figo offers the cheapest pet insurance in most states across nearly all age categories when compared to Met Life. Figo wins for kittens, puppies, and young and middle-aged pets, while Met Life beats Figo for senior pets. Here's how each provider performed by pet age:
- Kittens: Figo costs less in all 50 states, with Arkansas offering the biggest savings at 59% cheaper ($7 monthly vs. Met Life's $17).
- Puppies: Figo wins across all states, saving pet owners up to 40% in multiple locations. Arkansas puppy owners pay just $14 monthly with Figo compared to $24 with Met Life.
- Young cats: Figo dominates all 50 states for young cat coverage. Arkansas delivers the strongest value at 44% savings, where Figo charges $11 monthly against Met Life's $19.
- Young dogs: Figo maintains its lead in every state, with the best rates in Arkansas at $20 monthly, which is 33% less than Met Life's $30.
- Middle-aged cats: Figo costs less nationwide at $20 per month, with Arkansas providing the biggest savings at 18% lower than Met Life's $24 per month.
- Middle-aged dogs: Figo remains cheaper than Met Life across all states, offering the lowest rates in Arkansas at $35 monthly, while Met Life is 14% more expensive.
- Senior cats: Met Life wins in all 50 states for aging felines, charging 43% to 47% less than Figo. Arkansas has the lowest rate, allowing senior cat owners to save $29 monthly by choosing Met Life.
- Senior dogs: Met Life offers better rates nationwide for senior dogs, with savings around 32%. Arkansas again shows the strongest value at $82 monthly versus Figo's $120.
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Middle Aged Dogs
| Alabama | Figo | $39 | 13% |
| Alaska | Figo | $51 | 14% |
| Arizona | Figo | $64 | 14% |
| Arkansas | Figo | $35 | 14% |
| California | Figo | $66 | 14% |
| Colorado | Figo | $66 | 14% |
| Connecticut | Figo | $60 | 14% |
| Delaware | Figo | $52 | 14% |
| Florida | Figo | $59 | 13% |
| Georgia | Figo | $47 | 14% |
| Hawaii | Figo | $53 | 14% |
| Idaho | Figo | $52 | 14% |
| Illinois | Figo | $65 | 14% |
| Indiana | Figo | $47 | 14% |
| Iowa | Figo | $44 | 14% |
| Kansas | Figo | $47 | 14% |
| Kentucky | Figo | $41 | 14% |
| Louisiana | Figo | $42 | 14% |
| Maine | Figo | $64 | 13% |
| Maryland | Figo | $52 | 13% |
| Massachusetts | Figo | $67 | 14% |
| Michigan | Figo | $52 | 14% |
| Minnesota | Figo | $54 | 14% |
| Mississippi | Figo | $45 | 14% |
| Missouri | Figo | $41 | 14% |
| Montana | Figo | $44 | 14% |
| Nebraska | Figo | $47 | 14% |
| Nevada | Figo | $54 | 14% |
| New Hampshire | Figo | $61 | 14% |
| New Jersey | Figo | $59 | 14% |
| New Mexico | Figo | $46 | 14% |
| New York | Figo | $57 | 13% |
| North Carolina | Figo | $47 | 14% |
| North Dakota | Figo | $40 | 14% |
| Ohio | Figo | $48 | 14% |
| Oklahoma | Figo | $44 | 13% |
| Oregon | Figo | $65 | 14% |
| Pennsylvania | Figo | $55 | 13% |
| Rhode Island | Figo | $45 | 14% |
| South Carolina | Figo | $49 | 14% |
| South Dakota | Figo | $46 | 14% |
| Tennessee | Figo | $48 | 14% |
| Texas | Figo | $55 | 14% |
| Utah | Figo | $50 | 14% |
| Vermont | Figo | $49 | 14% |
| Virginia | Figo | $56 | 14% |
| Washington | Figo | $60 | 14% |
| West Virginia | Figo | $45 | 14% |
| Wisconsin | Figo | $56 | 14% |
| Wyoming | Figo | $48 | 14% |
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.
Figo vs. Met Life Pet Insurance Discounts
Met Life offers more pet insurance discounts than Figo, with nine available savings opportunities compared to Figo's three. Met Life wins for military members with 10% off versus Figo's 5%, while Figo beats Met Life for membership discounts at 15% through Costco compared to Met Life's 5% for participating organizations.
Multiple pets | Save 5% automatically when you insure two or more pets with Figo. | Provides rate reductions when you enroll more than one pet with Met Life. |
Military | Active duty military members or veterans get 5% off on pet insurance. | Save 10% off if you're an active or former Armed Forces, National Guard or Reserves member, or a first responder |
Membership | Costco members who enroll through the Costco program receive a 15% discount. | 5% automatically off for members of participating organizations. |
Employer group plan | None. | Get 10% if you join a participating employer's group plan. |
Veterinary staff | None. | Owners, staff members or volunteer workers in the animal care industry receive 10% off on pet insurance. |
Federal employee | None. | Lower your pet insurance rate if you're a federal employee of the U.S. Government. |
Internet purchase | None. | Reduces base premium by $1 when you purchase a policy online. |
Deductible | None. | Lowers deductible by $50 for the next policy year if you didn't file a claim within the year. |
Health care workers | None. | Receive 10% off if you work in the health care industry. |
Figo vs. Met Life Pet Insurance Customer Experience
Figo delivers better customer experience than Met Life, ranking seventh nationally for both dogs and cats while Met Life's lags behind by one spot. Although Met Life holds a higher Trustpilot rating and stronger positive sentiment on Reddit, Fetch edges ahead by being a BBB-accredited business.
Figo vs Met Life Trustpilot ratings
Met Life earns a higher Trustpilot rating of 4.6 out of 5.0 stars compared to Figo's 3.7 out of 5.0, based on customer reviews. Met Life users praise the company's quick claim processing and helpful customer service, though some report coverage denials for pre-existing conditions, while Figo customers appreciate the easy app and fast reimbursements but complain about claim denials and unclear coverage exclusions.
Figo vs Met Life BBB ratings
Met Life holds an A- rating from the Better Business Bureau but is not accredited, while Figo maintains a B rating with full accreditation. Met Life's rating indicates it handles customer complaints effectively, whereas Figo's BBB accreditation means it has committed to upholding BBB Standards for Trust.
Figo vs Met Life Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Met Life performs better with 40% positive sentiment from 20 total comments (eight positive, 12 negative), while Figo only garners 17% positive feedback from 12 comments (two positive, 10 negative). Met Life users praise its helpful customer service representatives and clear policy language, though some criticize slow claim processing and unexpected coverage gaps that leave pet owners with higher out-of-pocket costs. Figo Reddit users complain about frequent claim denials and unclear coverage exclusions, with only a few reviewers praising fast customer service and policy transparency.
Figo vs. Met Life Pet Insurance Coverage
Figo has broader pet insurance coverage for dogs and cats than Met Life, finishing fifth place in our study while Met Life ranks seventh. Figo outperforms Met Life by offering unlimited coverage and up to 100% reimbursement. It also extends coverage to curable pre-existing conditions after 12 months of being symptom- and treatment-free.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750 | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
$5,000, $10,000, Unlimited | $500 to $25,000 in $1,000 increments | |
70%, 80%, 90%, 100% | 50%, 70%, 80%, 90% | |
1 day for accidents, 14 days for illnesses, six months for orthopedic conditions | 0 day for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | No upper age restrictions for enrollment | No upper age restrictions for enrollment |
Pre-existing conditions | Curable pre-existing conditions covered after 12 symptom-free months | 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.
Figo vs. Met Life Wellness Plans
Figo and Met Life both offer two-tier optional wellness plans covering routine veterinary care. Figo's Basic Wellness Powerup caps at $135 annually compared to Met Life's Preventive 365 at $365, while Figo's Plus tier reaches $250 versus Met Life's Preventive 575 at $575.
- Basic Wellness Powerup: Caps at $135 annually with per-service limits ranging from $10 to $40 across seven routine care categories including wellness exams, vaccines, spaying/neutering or dental cleaning, testing and microchipping.
- Plus Wellness Powerup: Offers up to $250 annually with higher per-service reimbursement limits of $15 to $75 across the same seven categories as Basic, providing more coverage for pets needing extensive routine care. Vaccine limits apply to all vaccinations combined rather than per vaccine.
- Preventive 365: Provides $365 in total annual benefits with wellness exams covered up to $50, vaccines up to $75, spay/neuter or teeth cleaning up to $100, health screens up to $65, behavioral training or microchipping up to $60 and deworming up to $15. Coverage begins at midnight after enrollment.
- Preventive 575: Delivers $575 in total annual benefits with increased limits: wellness exams up to $75, vaccines up to $100, spay/neuter or teeth cleaning up to $150, health screens up to $100, behavioral training or microchipping up to $120 and deworming up to $30.
Figo vs. Met Life Pet Insurance Add-ons
Met Life doesn't have other optional add-ons aside from its wellness plan, while Figo offers three:
- Veterinary Exam Fees: Covers vet exam fees related to eligible accidents and illnesses.
- Extra Care Pack: Reimburses the cost of advertising and reward for lost pet, boarding, vacation cancellation, third-party property damage liability and final respects (cremation/burial) services.
- Alternative Care, Rehabilitation and Physical Therapy Riders: Provides coverage for behavioral consultations, alternative therapies, rehabilitation or physical therapy.
Figo vs. Met Life Pet Insurance: Bottom Line
Figo is better than Met Life for pet insurance overall, providing lower rates for cats, as well as excellent service and broader coverage, including unlimited payouts and up to 100% reimbursement. That said, Met Life is more affordable for dog insurance. Your best option ultimately depends on what you value most for your pet's specific health needs.
Compare other major pet insurance companies to determine the best choice for your pet:
Figo vs. Met Life Pet Insurance Comparison: FAQ
Compare Figo and Met Life pet insurance through these common questions:
Which is better: Figo or Met Life Pet Insurance?
Figo offers better pet insurance than Met Life overall. Figo offers more affordable rates for most pet age groups, including puppies, kittens, young pets and middle-aged pets. It also provides superior customer service and broader coverage, featuring unlimited payouts and up to 100% reimbursement.
Is Figo cheaper than Met Life Pet Insurance?
Figo offers cheaper pet insurance than Met Life for most age groups nationwide. Middle-aged cats cost $30 monthly with Figo versus Met Life's $35 monthly, while middle-aged dogs cost $52 monthly compared to $61 monthly. However, Met Life beats Figo for senior pets, offering lower rates at $57 monthly for senior cats and $122 monthly for senior dogs compared to Figo's $103 and $180 monthly rates, respectively.
What does Figo cover that Met Life does not?
Both Figo and Met Life cover similar accident and illness treatments including diagnostics, surgeries, hospitalization, prescription medications, emergency care and rehabilitation. That said, Figo provides coverage for alternative therapies, rehabilitation and vacation cancellation costs through its optional add-ons, while Met Life doesn't cover them.
How do claims work for Figo vs. Met Life Pet Insurance?
Both Figo and Met Life operate on a reimbursement model where you pay your vet upfront and submit claims for reimbursement according to your policy terms. Figo processes most claims within two to three business days on average, while Met Life reviews claims within five days with reimbursement taking one to two additional business days.
Does Figo or Met Life Pet Insurance cover pre-existing conditions?
Figo covers certain curable pre-existing conditions if your pet shows no signs or symptoms for 12 consecutive months and the condition is considered cured. Met Life covers some pre-existing conditions when you switch from another provider to a Met Life group policy, specifically conditions that were covered by your previous insurer.
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.