Nationwide vs. Met Life Pet Insurance

Met Life delivers superior pet insurance coverage compared to Nationwide, ranking seventh nationally for both dogs and cats while Nationwide ranks ninth. Research shows Met Life offers more flexible deductible options and shorter accident waiting periods, though both providers maintain comparable annual limits and reimbursement rates, with Met Life allowing coverage adjustments within 30 days of enrollment.

Nationwide is the best pet insurance company in seven states for cats, including Arizona, California, Florida, Idaho, Maryland, Nevada and South Carolina. Met Life leads in Maine for dog coverage, while Nationwide tops Virginia for dogs.

Met Life offers more affordable pet insurance than Nationwide across nearly all age groups for both cats and dogs. For middle-aged dogs, Met Life costs $61 per month compared with Nationwide's $101 per month. Middle-aged cats cost $35 with Met Life versus $52 with Nationwide.
See how much pet insurance costs across different age categories.

Met Life provides the cheapest pet insurance across most states and categories. Met Life leads pricing for middle-aged dogs, middle-aged cats and six other groups, while Nationwide only offers lower rates for senior dogs.

Both Nationwide and MetLife Pet offer multiple pet insurance discounts that can help lower premiums for pet owners. While both companies provide multi-pet savings and employer group options, Nationwide offers additional bundling benefits for existing policyholders.

Nationwide beats Met Life for customer experience, ranking fourth nationally for both dog and cat insurance in our analysis. Met Life trails significantly at twelfth place. Both companies earn solid Trustpilot scores, with Met Life slightly ahead at 4.5 out of 5.0 versus Nationwide's 4.4. However, Nationwide maintains a stronger BBB presence with an accredited A+ rating compared to Met Life's non-accredited A- status.

Met Life offers better pet insurance coverage for dogs and cats than Nationwide, ranking sixth nationally while Nationwide 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 Nationwide and MetLife Pet provide optional add-ons that extend financial protection for preventive care, wellness plans, and other routine services. These additions can help pet owners manage regular veterinary costs more predictably.

Nationwide’s optional wellness benefits can be paired with its core accident and illness coverage.

• Wellness plan: Covers exams, vaccines, dental cleaning, blood tests, and preventive flea/tick medication.
• Modular wellness add-on: Lets policyholders customize routine-care coverage limits alongside accident and illness protection.

MetLife Pet offers flexible coverage upgrades and built-in options for families with multiple pets.

• Preventive Care add-on: Includes coverage for spay/neuter, vaccines, dental cleaning, blood tests, and flea/tick medication.
• Family Plan option: Allows up to three pets under one shared deductible, streamlining multi-pet coverage management.
• Wellness rewards program: Offers additional savings and perks for routine services and preventive care.

Choosing between Nationwide and Met Life depends on your priorities. Met Life offers better affordability and more comprehensive coverage options, with rates starting at $61 per month for middle-aged dogs and $35 for cats. Met Life provides extensive coverage including alternative therapies and behavioral treatments. However, Nationwide delivers superior customer service, earning a 4.4 out of 5.0 Trustpilot rating and an A+ BBB rating.

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

Our analysis of Nationwide versus Met Life pet insurance relied on comparing equivalent coverage scenarios and pricing structures. We obtained quotes from both insurers using standardized pet profiles and policy specifications:

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

Each provider received scores based on three weighted evaluation criteria:

Affordability (50% of score): We collected premium quotes across multiple coverage options and pet ages to assess actual costs, including available discounts that affect real-world pricing.

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

Coverage (20% of score): We examined policy features, waiting periods and available add-ons to determine which provider offers more comprehensive pet health protection.