Figo vs. Met Life Pet Insurance

Figo delivers better pet insurance coverage for dogs and cats than Met Life, ranking fifth nationally compared to Met Life's seventh place. Both providers offer similar deductible ranges and reimbursement rates, but Figo provides shorter accident waiting periods and more flexible coverage adjustment options for pet owners who need to modify their plans.

Figo is the best pet insurance company in five states total, leading in Arkansas, Nebraska and Vermont for cats and Iowa and New Jersey for dogs. Met Life ranks first only in Maine for dog coverage.

Figo offers more affordable pet insurance than Met Life across most age groups for both cats and dogs. For middle-aged dogs, Figo costs $52 per month compared with Met Life's $61 per month. Middle-aged cats cost $30 with Figo versus $35 with Met Life.

See how much pet insurance costs across different age categories.

Figo offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats nationwide. However, Met Life provides lower rates specifically for senior cats and dogs in all states.

We know every pet owner is looking for ways to reduce the cost of quality coverage. Both Figo and MetLife Pet provide multiple discount tools that can lower your premium, but the availability and size of those savings vary. Empowering yourself with the right combination of discounts can make meaningful difference.

Figo delivers better customer experience than Met Life, ranking seventh nationally for both dogs and cats compared to Met Life's fifteenth place finish. While Met Life earns a stronger Trustpilot score of 4.5 out of 5.0, Figo's superior national ranking demonstrates more consistent customer satisfaction. Both providers show mixed third-party ratings, with Figo holding a B BBB rating and Met Life receiving an A- BBB rating.

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

Both Figo and MetLife Pet allow policyholders to expand their coverage with wellness or preventive care add-ons. These optional upgrades cover routine services and treatments that aren’t included in standard accident and illness plans.

• Wellness and Preventive Care Plan: Covers routine exams, dental cleaning, vaccines, spay/neuter, microchipping, deworming and parasite prevention.
• Exam Fee Coverage: Reimburses veterinary exam fees related to covered accidents or illnesses.
• Extra Care Add-on: Provides coverage for boarding fees, vacation cancellation, lost-pet advertising and end-of-life costs like cremation or euthanasia).

• Preventive Care Add-on: Includes wellness exams, vaccines, dental cleaning, spay/neuter, and parasite prevention.
• Family Plan Option: Allows multiple pets to share a single deductible and annual benefit, simplifying management and reducing total costs.

Figo beats Met Life overall, delivering better affordability and more comprehensive coverage options. Figo offers rates starting at $52 per month for middle-aged dogs and $30 for cats, providing significant savings over Met Life's higher premiums. Figo's coverage includes valuable benefits like alternative therapies and flexible deductible options. However, Met Life excels in customer service, earning a 4.5 out of 5.0 Trustpilot rating and an A- BBB rating compared to Figo's lower scores.

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

Our analysis of Figo versus MetLife involved evaluating both providers under identical conditions. We collected quotes using the same pet profiles and policy specifications to ensure fair comparison:

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

We scored each company using three weighted factors that reflect key decision-making priorities.

Affordability (50% of score): We gathered quotes across multiple pet ages and coverage combinations to assess typical monthly costs, including available discounts that affect real premiums.

Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to measure satisfaction 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.