Nationwide vs. Met Life Pet Insurance

Nationwide offers better pet insurance for cats, while Met Life is more ideal for dogs. However, your best choice between these two pet insurance providers may change based on what matters most to you:

• Affordability: Met Life wins on price for both cats and dogs. For cats, it ranks 10th nationally compared to Nationwide's 13th position, while dog owners see Met Life place sixth against Nationwide's 14th.
• Coverage: Met Life offers better coverage options, holding seventh place nationally for both pets. Nationwide lags behind at ninth for both pet types.
• Customer Experience: Nationwide pulls ahead with superior customer service, ranking fourth nationally compared to Met Life's eighth place. The customer experience advantage holds consistent whether you're insuring dogs or cats.

Learn more about the best pet insurance options for your pet across different situations:

Met Life edges out Nationwide as the best pet insurance company for dogs, winning in 49 states compared to Nationwide's single win in Virginia. For cat insurance, the tables turn, with Nationwide taking the lead against Nationwide across all 50 states.

Met Life wins on pet insurance cost for most age categories, delivering the biggest savings on puppy coverage at 41% less than Nationwide's rates. Nationwide only beats Met Life for senior dogs, where it costs 19% less.

Met Life consistently offers the cheapest pet insurance across the country for kittens, puppies, and young and middle-aged pets. For senior cats, Met Life offers lower rates in 37 states, while Nationwide takes the lead in California, Colorado, Delaware, Georgia, Hawaii, Illinois, Maryland, Massachusetts, New Hampshire, Ohio, Oregon, Virginia and Wisconsin. Nationwide is also more affordable than Met Life for senior dogs in all 50 states.

Met Life offers more pet insurance discounts than Nationwide, with nine savings opportunities compared to Nationwide's three. Although both providers match on employer group plans at 10% off, Nationwide wins for existing customers with its 5% loyalty discount, while Met Life rewards military members, veterinary staff, health care workers and federal employees.

Nationwide beats Met Life for customer service, ranking fourth nationally compared to Met Life's eighth position. While Met Life earns a higher rating on Trustpilot (4.7 versus 4.4 out of 5.0), Nationwide outperforms its competitor by maintaining a higher rating from the Better Business Bureau (A+ versus A-) and stronger positive sentiment on Reddit (43% versus 40% positive).

Met Life offers better pet insurance coverage for dogs and cats than Nationwide, placing seventh in our national ranking, while Nationwide finishes ninth. Met Life provides more flexibility in policy customization, plus it has a $0-deductible plan and no waiting period for accidents. Met Life also includes hereditary and congenital conditions in its standard coverage, while Nationwide requires you to purchase an optional add-on.

Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.

Both Nationwide and Met Life allow you to extend your base coverage for more comprehensive financial protection. Nationwide offers two add-ons, while Met Life has one focused on routine care.

• Wellness coverage: Comes in two tiers ($450 or $800) and provides coverage for exams, vaccines, blood tests, deworming, heartworm or FeLV/FIV test, microchip and health certificates.
• Hereditary and Congenital Condition coverage: Covers hereditary and congenital conditions like hip dysplasia, patellar luxation and collapsed trachea.

• Preventive Care add-on: Comes in two tiers (Preventive 365 and Preventive 575) and covers routine care, such as wellness exams, vaccinations, flea and tick prevention, heartworm testing and prevention, routine blood work, urinalysis, fecal testing, dental cleaning, spay or neuter procedure, microchipping, nail trimming and behavioral training.

Choosing between Nationwide and Met Life depends on your priorities. Nationwide offers better pet insurance for cats, particularly excelling in customer service, with its 4.4 out of 5.0 Trustpilot score and A+ BBB rating. Met Life is the ideal option for dog insurance, offering more affordable coverage with no waiting period for accidents and no upper age limits for enrollment.

Compare other major pet insurance companies to determine the best choice for your pet:

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