Pets Best delivers superior pet insurance coverage for both dogs and cats compared to Met Life, ranking second nationally while Met Life places seventh. Research shows Pets Best offers more flexible deductible options and shorter accident waiting periods, though both providers feature similar annual coverage limits and reimbursement rates of up to 90%.
Pets Best vs. Met Life Pet Insurance
Updated: November 9, 2025
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Pets Best vs. Met Life Pet Insurance: Key Takeaways
Pets Best provides more affordable pet insurance, charging $27 monthly for middle-aged cats and $53 for dogs, while Met Life's rates are higher at $35 and $61 respectively.
In customer experience, Pets Best ranks fifth nationally for both cats and dogs with a 4.0 Trustpilot rating, surpassing Met Life's eighth place ranking despite Met Life's slightly higher 4.5 Trustpilot score.
Pets Best demonstrates stronger coverage options, ranking second nationally compared to Met Life's seventh place position, with a three-day accident waiting period versus Met Life's two-week wait time.
Is Pets Best or Met Life Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Pets Best | 4 | 6 |
| Coverage | Pets Best | 2 | 7 |
| Customer Experience | Pets Best | 5 | 8 |
| Overall Score | Pets Best | 3 | 10 |
Pets Best and Met Life Comparison by State
Pets Best is the best pet insurance company in 1 state for cats and 1 state for dogs. The provider leads in Maryland for cat coverage and Wisconsin for dog insurance. Met Life does not rank first in any states for either cats or dogs.
Data filtered by:
Overall Score
Dog
| Alabama | Pets Best | 4 | 6 |
| Alaska | Pets Best | 4 | 6 |
| Arizona | Pets Best | 3 | 7 |
| Arkansas | Pets Best | 4 | 6 |
| California | Pets Best | 6 | 4 |
| Colorado | Pets Best | 3 | 7 |
| Connecticut | Pets Best | 4 | 6 |
| Delaware | Pets Best | 3 | 7 |
| Florida | Pets Best | 3 | 7 |
| Georgia | Pets Best | 4 | 6 |
| Hawaii | Pets Best | 4 | 6 |
| Idaho | Pets Best | 4 | 6 |
| Illinois | Pets Best | 4 | 6 |
| Indiana | Pets Best | 4 | 6 |
| Iowa | Pets Best | 3 | 7 |
| Kansas | Pets Best | 4 | 6 |
| Kentucky | Pets Best | 4 | 6 |
| Louisiana | Pets Best | 3 | 7 |
| Maine | Pets Best | 4 | 5 |
| Maryland | Pets Best | 3 | 7 |
| Massachusetts | Pets Best | 4 | 6 |
| Michigan | Pets Best | 3 | 7 |
| Minnesota | Pets Best | 4 | 6 |
| Mississippi | Pets Best | 3 | 7 |
| Missouri | Pets Best | 4 | 6 |
| Montana | Pets Best | 4 | 6 |
| Nebraska | Pets Best | 3 | 7 |
| Nevada | Pets Best | 3 | 7 |
| New Hampshire | Pets Best | 3 | 7 |
| New Jersey | Pets Best | 3 | 7 |
| New Mexico | Pets Best | 3 | 7 |
| New York | Pets Best | 3 | 7 |
| North Carolina | Pets Best | 3 | 7 |
| North Dakota | Pets Best | 3 | 7 |
| Ohio | Pets Best | 3 | 7 |
| Oklahoma | Pets Best | 3 | 7 |
| Oregon | Pets Best | 4 | 6 |
| Pennsylvania | Pets Best | 3 | 7 |
| Rhode Island | Pets Best | 4 | 6 |
| South Carolina | Pets Best | 4 | 6 |
| South Dakota | Pets Best | 3 | 7 |
| Tennessee | Pets Best | 4 | 6 |
| Texas | Pets Best | 4 | 6 |
| Utah | Pets Best | 3 | 7 |
| Vermont | Pets Best | 3 | 7 |
| Virginia | Pets Best | 3 | 10 |
| Washington | Pets Best | 4 | 6 |
| West Virginia | Pets Best | 3 | 7 |
| Wisconsin | Pets Best | 2 | 8 |
| Wyoming | Pets Best | 4 | 6 |
Pets Best vs. Met Life Pet Insurance Cost
Pets Best offers more affordable pet insurance than Met Life across most age groups for both cats and dogs. For middle-aged dogs, Pets Best costs $53 per month compared with Met Life's $61 per month. Middle-aged cats cost $27 with Pets Best versus $35 with Met Life.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Pets Best | $13 | 49% |
| Young Cats | Pets Best | $17 | 41% |
| Puppies | Pets Best | $27 | 24% |
| Middle Aged Cats | Pets Best | $27 | 24% |
| Young Dogs | Pets Best | $33 | 25% |
| Middle Aged Dogs | Pets Best | $53 | 12% |
| Senior Cats | Met Life | $57 | 15% |
| Senior Dogs | Met Life | $122 | 8% |
Pets Best vs. Met Life Pet Insurance Cost by State
Pets Best offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats. Met Life provides lower rates only for senior pets in all states.
Data filtered by:
Middle Aged Dogs
| Alabama | Pets Best | $39 | 12% |
| Alaska | Pets Best | $52 | 12% |
| Arizona | Pets Best | $65 | 12% |
| Arkansas | Pets Best | $36 | 12% |
| California | Pets Best | $67 | 12% |
| Colorado | Pets Best | $67 | 12% |
| Connecticut | Pets Best | $61 | 12% |
| Delaware | Pets Best | $53 | 12% |
| Florida | Pets Best | $60 | 12% |
| Georgia | Pets Best | $48 | 12% |
| Hawaii | Pets Best | $54 | 12% |
| Idaho | Pets Best | $53 | 12% |
| Illinois | Pets Best | $66 | 12% |
| Indiana | Pets Best | $48 | 12% |
| Iowa | Pets Best | $45 | 12% |
| Kansas | Pets Best | $48 | 12% |
| Kentucky | Pets Best | $42 | 12% |
| Louisiana | Pets Best | $43 | 12% |
| Maine | Pets Best | $65 | 12% |
| Maryland | Pets Best | $52 | 12% |
| Massachusetts | Pets Best | $69 | 12% |
| Michigan | Pets Best | $53 | 12% |
| Minnesota | Pets Best | $55 | 12% |
| Mississippi | Pets Best | $45 | 12% |
| Missouri | Pets Best | $42 | 12% |
| Montana | Pets Best | $45 | 12% |
| Nebraska | Pets Best | $48 | 12% |
| Nevada | Pets Best | $55 | 12% |
| New Hampshire | Pets Best | $62 | 12% |
| New Jersey | Pets Best | $60 | 12% |
| New Mexico | Pets Best | $47 | 12% |
| New York | Pets Best | $58 | 12% |
| North Carolina | Pets Best | $47 | 12% |
| North Dakota | Pets Best | $41 | 12% |
| Ohio | Pets Best | $49 | 12% |
| Oklahoma | Pets Best | $45 | 12% |
| Oregon | Pets Best | $66 | 12% |
| Pennsylvania | Pets Best | $55 | 12% |
| Rhode Island | Pets Best | $46 | 12% |
| South Carolina | Pets Best | $50 | 12% |
| South Dakota | Pets Best | $47 | 12% |
| Tennessee | Pets Best | $49 | 12% |
| Texas | Pets Best | $56 | 12% |
| Utah | Pets Best | $51 | 12% |
| Vermont | Pets Best | $49 | 12% |
| Virginia | Pets Best | $57 | 13% |
| Washington | Pets Best | $61 | 12% |
| West Virginia | Pets Best | $46 | 12% |
| Wisconsin | Pets Best | $57 | 12% |
| Wyoming | Pets Best | $49 | 12% |
Pets Best vs. Met Life Pet Insurance Discounts
Both Pets Best and MetLife Pet Insurance offer multiple pet insurance discounts to help reduce your monthly premiums. Each company provides savings for multi-pet households and employer partnerships, making them appealing for families with several pets or access to workplace benefits.
Save 5% when you insure more than one pet on the same plan. | Save around 5% for a second pet and up to 10% for additional pets insured under the same policy. | |
Bundling | None available. | No bundling with other MetLife insurance lines. |
Annual Pay-In-Full | May vary by plan and location. | May vary by state; some policies offer a small savings for annual payment. |
Association / Club Member | Occasional partner promotions and adoption-related offers may apply. | 10% discounts for military members, first responders and veterinarians. |
Employer Group | Employer-based discounts not publicly listed. | Employees of partner companies typically receive 10% off pet insurance premiums. |
Pets Best vs. Met Life Pet Insurance Customer Experience
Pets Best provides better customer experience than Met Life, ranking fifth nationally for both dogs and cats compared to Met Life's thirteenth place finish. Despite Pets Best's poor F BBB rating, customers report better experiences with their service. Met Life maintains stronger third-party ratings with an A- BBB score and higher Trustpilot reviews, but this doesn't translate to superior real-world customer experience performance.
Pets Best vs Met Life Trustpilot ratings
Met Life earns a higher Trustpilot rating at 4.5 out of 5.0 compared to Pets Best's 4.0 out of 5.0. These verified customer reviews suggest Met Life provides more consistent service experiences. Both ratings indicate generally satisfied customers, though Met Life shows stronger overall performance.
Pets Best vs Met Life BBB ratings
Pets Best vs Met Life Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found contrasting sentiment patterns between the providers. Pets Best achieved 70% positive sentiment with 7 positive and 3 negative comments, while Met Life scored 40% positive with 8 positive and 12 negative comments. This suggests Pets Best customers may have more favorable experiences worth defending in social discussions.
Pets Best vs. Met Life Pet Insurance Coverage
Met Life offers better pet insurance coverage for dogs and cats than Pets Best, ranking sixth nationally while Pets Best 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.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | ✓ (through wellness plan add-on) | ✓ (included in preventive care option) |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ (covered if no pre-policy symptoms) | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$50 – $1,000 options | $0 – $2,500 options | |
$5,000 – Unlimited options | $2,000 – Unlimited options | |
70%, 80%, 90% | 70%, 80%, 90% | |
3 days for accidents, 14 days for illnesses | 0 days for accidents in some states, 14 days for illnesses | |
Age restrictions | No upper age limit for accident coverage | May vary by plan type |
Excluded unless curable and symptom-free for 6–12 months | Excluded unless noted as curable and resolved before coverage start | |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Pets Best vs. Met Life Pet Insurance Add-ons
Both providers offer wellness plans and preventive care add-ons that reimburse routine vet expenses such as vaccinations and blood tests. MetLife Pet includes more flexibility in customizing wellness coverage, while Pets Best offers structured tiers with set annual benefits.
Pets Best Pet Insurance Add-ons
- Essential Wellness Plan: Covers exams, dental cleaning, vaccines, heartworm tests and deworming with annual benefits up to $305.
- Best Wellness Plan: Includes all Essential benefits plus routine spay/neuter, blood tests, microchipping, and flea/heartworm prevention (up to $535 annual benefit).
Met Life Pet Insurance Add-ons
- Preventive Care Add-On: Reimburses for wellness plan choices, including dental cleaning, vaccines, flea/tick medication, and routine heartworm treatment.
- Family Plan Option: Allows multiple pets under one policy with a shared deductible and customizable coverage tiers.
Pets Best vs. Met Life Pet Insurance: Bottom Line
Pets Best beats Met Life across all categories, making it the superior choice for pet insurance. Pets Best delivers better affordability with rates starting at $53 monthly for middle-aged dogs and $27 for cats, compared to Met Life's higher $61 and $35 respectively. Pets Best also provides more comprehensive coverage options and better customer service. While Met Life earns a 4.5 Trustpilot rating and A- BBB rating, Pets Best's overall value makes it the smarter pick.
Pets Best vs. Met Life Pet Insurance Comparison: FAQ
Compare Pets Best and Met Life pet insurance through these common questions:
Which is cheaper: Pets Best vs Met Life pet insurance?
Pets Best is cheaper than Met Life for most pet age groups, offering lower rates in 6 out of 8 categories. Middle-aged cats cost $27 monthly with Pets Best versus Met Life's $35. Middle-aged dogs show even bigger savings at $53 with Pets Best compared to $61 with Met Life, saving pet owners $96 annually.
Which has better customer service: Pets Best vs Met Life pet insurance?
Pets Best delivers superior customer service, ranking 5th nationally for customer experience compared to Met Life's 13th-place position. Pets Best holds a 4.0 out of 5.0 Trustpilot score with an F BBB rating, while Met Life earns a 4.5 Trustpilot score and an A- BBB rating.
Which offers better coverage: Pets Best vs Met Life pet insurance?
Pets Best offers better coverage than Met Life, ranking 2nd nationally compared to Met Life's 7th place ranking for both dogs and cats. Pets Best provides extensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care, while Met Life focuses primarily on basic wellness plans. Both insurers cover standard needs like diagnostics, medications, and chronic conditions, but Pets Best's broader selection of optional benefits allows more customization for your pet's specific needs.
Can I switch from Pets Best vs Met Life pet insurance or vice versa?
Yes, you can switch between Pets Best and MetLife pet insurance anytime by canceling your current policy and purchasing a new one. However, new waiting periods will apply: typically 14 days for illnesses and up to 6 months for orthopedic conditions. Any conditions diagnosed under your previous policy will be considered pre-existing and won't be covered.
Does Pets Best vs Met Life cover pre-existing conditions?
Neither Pets Best nor MetLife covers pre-existing conditions at enrollment, following standard industry practice. However, both companies may provide coverage for certain curable conditions after specific waiting periods. Pets Best typically covers curable pre-existing conditions after 12 consecutive months without symptoms, treatment, or medication. MetLife similarly excludes pre-existing conditions but may cover some after extended symptom-free periods.
Can I get discounts with both Pets Best vs Met Life pet insurance?
Both Pets Best and MetLife offer discounts to help reduce premium costs. Pets Best provides multiple discount options, including savings for military members, veterinary professionals, and multi-pet households. MetLife offers fewer discount programs but includes multi-pet savings and potential group discounts through employers or associations. Both companies' discount availability varies by state and policy type.
What are the age limits for Pets Best vs Met Life pet insurance?
Pets Best accepts pets of any age for enrollment with no upper age limits, making it excellent for senior animals. Met Life restricts enrollment to pets under 14 years old, which limits coverage options for older pets seeking new insurance policies.
How We Scored Pets Best vs. Met Life Pet Insurance
Our evaluation of Pets Best versus Met Life involved analyzing both providers under identical conditions and coverage scenarios. We obtained quotes from each company 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 was scored using three key factors weighted by their importance to pet owners:
Affordability (50% of score): We collected quotes across multiple coverage options and pet ages to assess typical monthly premiums, including applicable discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and online customer feedback to evaluate 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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.