Pets Best vs. Met Life Pet Insurance

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.

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

Pets Best is the best pet insurance company across the country, outperforming Met Life for both dogs and cats in every state.

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.

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 monthly in Arkansas compared to Met Life's $17, saving you 49% on coverage for your youngest felines.
• Puppies: Arkansas residents pay $18 monthly with Pets Best versus $24 with Met Life, cutting costs by 25% for new dog owners.
• Young cats: Pets Best charges $11 monthly in Arkansas while Met Life costs $19, offering 42% savings during your cat's active years.
• Young dogs: Monthly rates in Arkansas hit $22 with Pets Best compared to Met Life's $30, reducing your bill by 25%.
• Middle-aged cats: Pets Best wins at $18 monthly versus Met Life's $24 in Arkansas, providing 25% savings as your cat matures.
• Middle-aged dogs: Arkansas dog owners pay $36 with Pets Best compared to $41 with Met Life for 12% savings.
• Senior cats: Met Life costs less at $38 monthly versus Pets Best's $42 in Arkansas, saving senior cat owners 9%.
• Senior dogs: Met Life offers better rates at $82 monthly compared to Pets Best's $89 in Arkansas, an 8% discount for aging dogs.

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.

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 provides broader pet insurance coverage for dogs and cats than Met Life, ranking second, while Met Life is behind by five spots. Pets Best stands out by offering to pay licensed veterinarians directly for covered claims, along with unlimited annual coverage, which Met Life doesn't have.

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

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.

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 consistently outperforms Met Life across affordability, customer experience and coverage in our analysis, making it the superior choice for pet insurance. Pets Best delivers lower rates starting at $53 monthly for middle-aged dogs and $27 monthly for cats, compared to Met Life's higher $61 and $35 respectively. Pets Best also provides unlimited coverage and direct vet pay, plus it garners 70% positive sentiment on Reddit for its fast claims processing and helpful customer service.

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

Compare Pets Best and Met Life pet insurance through these common questions: