Met Life vs. AKC Pet Insurance

AKC Pet Insurance provides superior pet insurance coverage compared to Met Life, ranking first nationally while Met Life places seventh for both dogs and cats. Research shows AKC offers more flexible deductible options and coverage adjustment periods, while both providers maintain similar annual limits and reimbursement rates, though AKC typically features shorter accident waiting periods.

AKC leads in 8 states for dogs but only 1 state for cats, making it the best pet insurance company primarily for dog owners. AKC ranks first for cat coverage exclusively in Oklahoma, while dominating dog insurance across Arkansas, Indiana, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota and Washington.

AKC offers more affordable pet insurance than Met Life across most age groups for both cats and dogs. For middle-aged dogs, AKC costs $60 per month compared with Met Life's $61. Middle-aged cats cost $31 monthly with AKC versus $35 with Met Life.
See how much pet insurance costs across different age categories.

AKC offers the cheapest pet insurance across most categories, leading in middle-aged dogs and cats nationwide. Met Life provides lower rates only for puppies and young dogs in all states.

MetLife provides more pet insurance discounts than AKC, giving families and employees additional ways to save. Both companies offer multi-pet savings, but MetLife adds employer and professional group discounts, while AKC’s discounts focus on breeders and multi-pet households.

AKC delivers better customer experience than Met Life, ranking third nationally for both dogs and cats in our study. Met Life ranks 11th, trailing AKC by eight positions. AKC maintains an A+ BBB rating while Met Life holds an A- rating. However, Met Life scores higher on Trustpilot with 4.5 out of 5.0 compared to AKC's 3.2 rating, showing mixed results across review platforms.

AKC offers better pet insurance coverage for dogs and cats than Met Life, ranking sixth nationally while Met Life ranks eighth. Both companies provide comparable options for deductibles, annual limits and reimbursement rates, but AKC 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 providers offer optional wellness plans or preventive add-ons that help pet owners budget for routine care. MetLife’s plans are more flexible, while AKC’s wellness riders are offered separately for routine exams and hereditary conditions.

• Preventive Care plan: Covers annual wellness exams, vaccines, dental cleaning, parasite prevention, spay/neuter, and microchipping.
• Family Plan option: Lets owners insure multiple pets under one policy with a shared deductible and annual limit, simplifying claims and potentially lowering costs.

• Exam and Wellness coverage: Adds reimbursement for routine vet exams, vaccines, and preventive screenings.
• Hereditary and Alternative Therapy riders: Provide additional coverage for hereditary conditions, physical therapy, acupuncture, and chiropractic care.

AKC beats Met Life overall, delivering better affordability, coverage options, and customer service. AKC charges $60 per month for middle-aged dogs and $31 for cats, making it the more affordable choice. AKC also ranks first nationwide for coverage, offering comprehensive plan options that protect pets effectively. The company earns a 3.2 out of 5.0 Trustpilot rating and an A+ BBB rating. However, Met Life excels with customer satisfaction, earning a strong 4.5 Trustpilot score for superior customer support.

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

Evaluating Met Life versus AKC pet insurance required gathering quotes and analyzing policy details under identical conditions. We assessed both providers using the same pet profiles and coverage 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 each provider using three key factors weighted by their importance to pet owners.

Affordability (50% of score): We collected quotes across multiple pet ages and coverage options to determine typical monthly premiums, including available discounts that affect actual costs.

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

Coverage (20% of score): We examined policy features including waiting periods, available add-ons and exclusions to assess comprehensive protection value.