Met Life vs. Pumpkin Pet Insurance

Met Life delivers superior pet insurance coverage for both dogs and cats compared to Pumpkin, ranking seventh nationally while Pumpkin ranks 11th. Research shows Met Life offers more flexible deductible options and shorter accident waiting periods, while both providers feature similar annual limits and reimbursement rates, though Met Life allows coverage adjustments within 30 days of enrollment.

Pumpkin is the best pet insurance company in 16 states for cats and leads in 6 states for dogs. For dog coverage, Pumpkin ranks first in Alaska, Delaware, Maryland, Montana, North Dakota and South Dakota.

Pumpkin offers cheaper pet insurance rates than Met Life across nearly all age groups for both cats and dogs. For middle-aged dogs, Pumpkin costs $48 per month compared with Met Life's $61 per month. Middle-aged cats cost $30 with Pumpkin versus $35 with Met Life.

See how much pet insurance costs across different age categories.

Pumpkin offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats in all 50 states. Met Life only beats Pumpkin's rates for senior cats, making Pumpkin the more affordable choice for most pet owners.

It’s smart to take advantage of all possible savings when enrolling your pet — both MetLife and Pumpkin offer ways to reduce your premium and boost value. Here’s how the two providers compare on pet insurance discounts:

Pumpkin delivers superior customer experience compared to Met Life, ranking third nationally for both dogs and cats in our analysis. Met Life falls to 11th place, creating an 8-point gap between the providers. Pumpkin maintains excellent third-party ratings with an A+ BBB rating and 4.8 Trustpilot score, while Met Life holds an A- BBB rating and 4.5 Trustpilot score. Both providers show strong customer satisfaction on Trustpilot, but Pumpkin's consistently higher ratings across all platforms demonstrate better overall service quality.

Pumpkin 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 Pumpkin 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.

If you’re looking to cover routine care and wellness plans (beyond just accidents & illnesses), both companies offer add-ons—here’s a breakdown.

• Preventive Care add-on: Covers routine wellness services such as dental cleaning, vaccines, spay/neuter, and parasite prevention.
• Family Plan option: Up to three pets on one policy sharing a deductible, making add-on coverage more efficient for multi-pet households.

• Wellness package (Preventive Essentials): Covers your pet’s annual wellness exam, vaccines, parasite screening, and other preventive services for an additional fee.
• Broad wellness-oriented benefits built-in: For example, coverage of spay/neuter, physical therapy, prescription food/supplements and ailments like behavioral issues may be included depending on the plan.

Pumpkin beats Met Life overall, delivering better affordability and customer service. Pumpkin's rates start at $48 per month for middle-aged dogs and $30 for cats, offering meaningful savings over Met Life. Pumpkin also provides superior customer service, earning a 4.8 out of 5.0 Trustpilot rating and an A+ BBB rating. However, Met Life offers more comprehensive coverage options for pet owners who prioritize extensive policy benefits over cost savings.

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

Our MetLife vs. Pumpkin comparison analyzed both providers using identical coverage scenarios and pet profiles. We gathered quotes from each company based on the same policy specifications and pet characteristics 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 evaluated both providers across three weighted categories that matter most to pet owners.

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

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