Pets Best wins against Met Life across affordability, customer experience and coverage, making it the better choice for pet insurance overall. This means Pets Best is your best option regardless of whether you're looking for lower rates, better customer service or broader coverage.
Pets Best vs. Met Life Pet Insurance
Updated: March 16, 2026
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Pets Best vs. Met Life Pet Insurance: Key Takeaways
Pets Best charges $27 per month for middle-aged cats and $53 per month for dogs. Met Life runs higher at $35 for cats and $61 for dogs.
For customer experience, Pets Best outperforms Met Life with 70% positive sentiment on Reddit for its fast claim reimbursements and helpful customer representatives.
Pets Best has broader pet insurance coverage than Met Life, featuring unlimited payouts and its unique direct vet payment option.
Is Pets Best or Met Life Pet Insurance Better?
| Cat | Affordability | Pets Best | 6 | 10 |
| Dog | Affordability | Pets Best | 4 | 6 |
| Cat | Coverage | Pets Best | 2 | 7 |
| Dog | Coverage | Pets Best | 2 | 7 |
| Cat | Customer Experience | Pets Best | 5 | 8 |
| Dog | Customer Experience | Pets Best | 5 | 8 |
| Cat | Overall Score | Pets Best | 7 | 12 |
| Dog | Overall Score | Pets Best | 3 | 10 |
How We Decided the Winning Pet Insurance Provider
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Learn more about the best pet insurance options for your pet based on your needs:
Pets Best and Met Life Comparison by State
Pets Best is the best pet insurance company across the country, outperforming Met Life for both dogs and cats in every state.
Data filtered by:
Select
| Alabama | Cat | Pets Best |
| Alabama | Dog | Pets Best |
| Alaska | Cat | Pets Best |
| Alaska | Dog | Pets Best |
| Arizona | Cat | Pets Best |
| Arizona | Dog | Pets Best |
| Arkansas | Cat | Pets Best |
| Arkansas | Dog | Pets Best |
| California | Cat | Pets Best |
| California | Dog | Pets Best |
| Colorado | Cat | Pets Best |
| Colorado | Dog | Pets Best |
| Connecticut | Cat | Pets Best |
| Connecticut | Dog | Pets Best |
| Delaware | Cat | Pets Best |
| Delaware | Dog | Pets Best |
| Florida | Cat | Pets Best |
| Florida | Dog | Pets Best |
| Georgia | Cat | Pets Best |
| Georgia | Dog | Pets Best |
| Hawaii | Cat | Pets Best |
| Hawaii | Dog | Pets Best |
| Idaho | Cat | Pets Best |
| Idaho | Dog | Pets Best |
| Illinois | Cat | Pets Best |
| Illinois | Dog | Pets Best |
| Indiana | Cat | Pets Best |
| Indiana | Dog | Pets Best |
| Iowa | Cat | Pets Best |
| Iowa | Dog | Pets Best |
| Kansas | Cat | Pets Best |
| Kansas | Dog | Pets Best |
| Kentucky | Cat | Pets Best |
| Kentucky | Dog | Pets Best |
| Louisiana | Cat | Pets Best |
| Louisiana | Dog | Pets Best |
| Maine | Cat | Pets Best |
| Maine | Dog | Pets Best |
| Maryland | Cat | Pets Best |
| Maryland | Dog | Pets Best |
| Massachusetts | Cat | Pets Best |
| Massachusetts | Dog | Pets Best |
| Michigan | Cat | Pets Best |
| Michigan | Dog | Pets Best |
| Minnesota | Cat | Pets Best |
| Minnesota | Dog | Pets Best |
| Mississippi | Cat | Pets Best |
| Mississippi | Dog | Pets Best |
| Missouri | Cat | Pets Best |
| Missouri | Dog | Pets Best |
| Montana | Cat | Pets Best |
| Montana | Dog | Pets Best |
| Nebraska | Cat | Pets Best |
| Nebraska | Dog | Pets Best |
| Nevada | Cat | Pets Best |
| Nevada | Dog | Pets Best |
| New Hampshire | Cat | Pets Best |
| New Hampshire | Dog | Pets Best |
| New Jersey | Cat | Pets Best |
| New Jersey | Dog | Pets Best |
| New Mexico | Cat | Pets Best |
| New Mexico | Dog | Pets Best |
| New York | Cat | Pets Best |
| New York | Dog | Pets Best |
| North Carolina | Cat | Pets Best |
| North Carolina | Dog | Pets Best |
| North Dakota | Cat | Pets Best |
| North Dakota | Dog | Pets Best |
| Ohio | Cat | Pets Best |
| Ohio | Dog | Pets Best |
| Oklahoma | Cat | Pets Best |
| Oklahoma | Dog | Pets Best |
| Oregon | Cat | Pets Best |
| Oregon | Dog | Pets Best |
| Pennsylvania | Cat | Pets Best |
| Pennsylvania | Dog | Pets Best |
| Rhode Island | Cat | Pets Best |
| Rhode Island | Dog | Pets Best |
| South Carolina | Cat | Pets Best |
| South Carolina | Dog | Pets Best |
| South Dakota | Cat | Pets Best |
| South Dakota | Dog | Pets Best |
| Tennessee | Cat | Pets Best |
| Tennessee | Dog | Pets Best |
| Texas | Cat | Pets Best |
| Texas | Dog | Pets Best |
| Utah | Cat | Pets Best |
| Utah | Dog | Pets Best |
| Vermont | Cat | Pets Best |
| Vermont | Dog | Pets Best |
| Virginia | Cat | Pets Best |
| Virginia | Dog | Pets Best |
| Washington | Cat | Pets Best |
| Washington | Dog | Pets Best |
| West Virginia | Cat | Pets Best |
| West Virginia | Dog | Pets Best |
| Wisconsin | Cat | Pets Best |
| Wisconsin | Dog | Pets Best |
| Wyoming | Cat | Pets Best |
| Wyoming | Dog | Pets Best |
How We Decided the Winning Pet Insurance Provider by State
All scores presented here were based on averages for experiences and pricing for a 6-year-old Labrador Retriever and 7-year-old Ragdoll, with a $500 deductible, $5,000 annual limit and 80% reimbursement rate.
Pets Best vs. Met Life Pet Insurance Cost
Pets Best offers more affordable pet insurance than Met Life for kittens, puppies and young to middle-aged pets, with kitten coverage offering the biggest savings at 49% cheaper. Met Life wins on affordability for senior pets, costing about 8% to 15% less than Pets Best for older dogs and cats.
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% |
How We Decided the Winning Pet Insurance Provider
All rates presented here were based on averages for pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age across 50 states.
Pets Best vs. Met Life Pet Insurance Cost by State
Between Pets Best and Met Life, Pets Best offers the cheapest pet insurance across most age groups and pet types in nearly every state, with Arkansas providing the lowest rates nationwide for both companies. Here's how the two providers stack up by category:
- Kittens: Pets Best costs $9 per month in Arkansas compared to Met Life's $17, a 49% lower price for coverage for young cats.
- Puppies: Arkansas residents pay $18 per month with Pets Best versus $24 with Met Life, a 25% lower cost for new dog owners.
- Young cats: Pets Best charges $11 per month in Arkansas while Met Life costs $19, a 42% lower rate during your cat's active years.
- Young dogs: Monthly rates in Arkansas reach $22 with Pets Best compared to Met Life's $30, lowering your bill by 25%.
- Middle-aged cats: Pets Best costs $18 per month compared to Met Life's $24 in Arkansas, about 25% less as your cat ages.
- Middle-aged dogs: Arkansas dog owners pay $36 with Pets Best versus $41 with Met Life, a 12% lower rate.
- Senior cats: Met Life costs $38 per month compared to Pets Best's $42 in Arkansas, about 9% less for older cats.
- Senior dogs: Met Life charges $82 per month versus $89 with Pets Best in Arkansas, around 8% less for senior dogs.
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% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll.
Pets Best vs. Met Life Pet Insurance Discounts
Met Life offers more pet insurance discounts than Pets Best, with nine discount categories compared to Pets Best's four. Both companies provide multi-pet and military discounts, but Met Life gives larger savings at 10% for military members versus Pets Best's 5%. Pets Best edges ahead for employer group plans and veterinary staff with its simpler 5% discount structure, while Met Life adds exclusive savings for health care workers, federal employees and association members.
Multiple pets | Get 5% off for insuring more than one pet with Pets Best. | Provides a discount when you enroll more than one pet with Met Life. |
Military | Active duty service members, veterans and military spouses or kids save 5% on pet insurance. | First responders or active/former members of the Armed Forces or National Guard/Reservists get 10% off on pet insurance. |
Employer group plan | Save 5% for joining a participating employer's group plan. | 10% off when you join a participating employer's group plan. |
Veterinary staff | Provides 5% discount for veterinary clinic staff and employees. | Owners, staff members or volunteer workers in the animal care industry receive 10% off on pet insurance. |
Health care worker | None. | Save 10% for working in the health care industry. |
Federal employee | None. | Receive a discount if you're a federal employee of the U.S. government. |
Association | None. | 5% off on pet insurance for members of participating organizations. |
Internet purchase | None. | Lowers base premium by $1 when you purchase pet insurance online. |
Deductible | None. | Reduces deductible by $50 for the next policy year if you didn't file a claim within the year. |
Pets Best vs. Met Life Pet Insurance Customer Experience
Pets Best provides better customer experience than Met Life, leading ahead of our national ranking by three spots. Although Met Life earns higher ratings from Trustpilot and the Better Business Bureau, Pets Best wins against its competitor by receiving stronger positive feedback among Reddit users.
Pets Best vs Met Life Trustpilot ratings
Met Life scores higher on Trustpilot with a 4.7 out of 5 rating compared to Pets Best's 3.7 out of 5 rating. Pets Best customers praise straightforward plans and helpful service but complain about slow claim processing and website issues, while Met Life reviewers highlight easy claims filing and quick reimbursements but note premium increases.
Pets Best vs Met Life BBB ratings
Met Life holds an A- BBB rating compared to Pets Best's "Not Rated" status, giving Met Life a clear advantage in BBB ratings. Pets Best received "Not Rated" because the company is responding to previously closed complaints, while Met Life's A- rating reflects failure to respond to three complaints but otherwise strong business practices.
Pets Best vs Met Life Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Pets Best earns 70% positive sentiment with seven positive and three negative comments, while Met Life holds 40% positive feedback with eight positive and 12 negative comments. Pets Best users on Reddit praise quick claims processing and helpful customer service but complain about premium hikes and claim denials, with some noting website outages. Met Life customers appreciate responsive support and clear policy language but express frustration with coverage gaps and claim denials, especially around pre-existing condition determinations.
Pets Best vs. Met Life Pet Insurance Coverage
Pets Best provides broader pet insurance coverage for dogs and cats than Met Life, ranking second while Met Life trails by five spots. Pets Best also pays licensed veterinarians directly for covered claims and offers unlimited annual coverage, which Met Life does not provide.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | Only covers prevention through an optional add-on | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $200, $250, $500, $1,000 | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
$5,000, $10,000, Unlimited | $500 to $25,000 in $1,000 increments | |
70%, 80%, 90% | 50%, 70%, 80%, 90% | |
3 days for accidents, 14 days for illnesses, 6 months for cruciate ligament events and related conditions | Zero days for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | No upper age limit for enrollment | No upper age limits for enrollment |
Pre-existing conditions | Curable pre-existing conditions may qualify for coverage if cured and no further treatment is needed | Only covers certain pre-existing conditions when you switch from another provider to its group policy, as long as the condition was covered by the previous insurer |
Direct vet payment | Pays vets directly if you submit a completed claim along with a veterinarian reimbursement release form that both you and your vet have signed | No direct vet payment feature available |
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 Wellness Plans
Both Pets Best and Met Life offer wellness plans as optional add-ons to their accident and illness policies, but they structure their coverage differently across multiple tiers. Pets Best provides two wellness plan levels with annual reimbursement limits between $305 and $535, while Met Life offers two tiers with limits from $365 to $575.
- EssentialWellness: Provides up to $305 in annual benefits and covers wellness exams, vaccinations, blood work, fecal exams, urinalysis, heartworm tests and deworming.
- BestWellness: Reimburses up to $535 annually for every service included in EssentialWellness, plus teeth cleaning and spaying or neutering.
- Preventive 365: Provides an annual coverage of $365 for routine care, with set limits for each service: $15 for deworming, $50 for vet exams, $60 for microchipping or behavior training, $65 for health screens, $75 for vaccines and parasite prevention, and $100 for either spay/neuter or teeth cleaning.
- Preventive 575: Increase your annual coverage to $575 with higher per-service limits: $30 for deworming, $75 for vet exams, $120 for microchipping or behavior training, $100 for health screens, $100 for vaccines and parasite prevention, and $150 for either spay/neuter or teeth cleaning.
Pets Best vs. Met Life Pet Insurance Add-ons
Beyond wellness plans, Met Life doesn't offer any other optional add-ons to expand its base coverage. Meanwhile, Pets Best has two:
- Exam Fees: Covers exam fees associated with an eligible accident or illness.
- Physical Therapy: Provides coverage for rehabilitation, acupuncture and chiropractic care expenses related to a covered condition.
Pets Best vs. Met Life Pet Insurance: Bottom Line
Pets Best outperforms Met Life across affordability, customer experience and coverage in our analysis. It charges $53 per month for middle-aged dogs and $27 per month for cats, compared to Met Life's $61 and $35. Pets Best also includes unlimited coverage and direct vet pay, and earns 70% positive sentiment on Reddit for fast claims processing and helpful customer service.
Compare other major pet insurance companies to determine the best choice for your pet:
Pets Best vs. Met Life Pet Insurance Comparison: FAQ
Compare Pets Best and Met Life pet insurance through these common questions:
What is the difference between Pets Best and Met Life pet insurance?
Pets Best has lower rates for most pet age groups, from kittens and puppies to young and middle-aged dogs and cats. Pets Best also provides unlimited annual coverage, plus direct vet payment to reduce upfront costs. Meanwhile, Met Life offers nine discount options and shorter waiting periods for accidents and orthopedic conditions.
Which is cheaper: Pets Best or Met Life pet insurance?
Pets Best offers cheaper rates across most age groups and pet types nationwide, with kittens costing about $13 per month, around 49% less than Met Life. Met Life costs less only for senior pets, offering 8% to 15% lower rates for older dogs and cats.
Does Pets Best or Met Life pet insurance have better coverage for pre-existing conditions?
Pets Best covers curable pre-existing conditions if cured and no further treatment is needed. In contrast, Met Life only covers certain pre-existing conditions when you switch from another provider to its group policy, provided that the condition was covered by the previous insurer.
Which company offers better wellness coverage: Pets Best or Met Life pet insurance?
Pets Best offers two wellness plan tiers with annual reimbursement limits from $305 to $535, while Met Life provides two tiers ranging between $365 and $575. Both companies structure wellness coverage as optional add-ons to accident and illness policies. The choice between them depends on your pet's routine care needs and your budget for preventive services.
Is Pets Best or Met Life pet insurance better for dogs and cats?
Pets Best ranks higher than Met Life for both dogs and cats nationally, securing third place for dogs and seventh for cats compared to Met Life's 10th and 12th positions, respectively. Pets Best also wins across our affordability, customer experience and coverage categories, showing that it's the better choice for lower rates, superior service and broader coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- Trustpilot. "Met Life Pet Insurance ." Accessed March 28, 2026.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed March 28, 2026.
- Better Business Bureau. "Met Life Pet Insurance Solutions LLC." Accessed March 28, 2026.
- Better Business Bureau. "Pets Best Insurance Services." Accessed March 28, 2026.