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: June 17, 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
Pets Best has lower rates than Met Life across most age groups and pet types in nearly every state. Arkansas has the lowest rates for both companies. The exception is senior pets, where Met Life is cheaper.
Arkansas monthly rates by category are:
- Kittens: Pets Best $9, Met Life $17 (49% lower)
- Puppies: Pets Best $18, Met Life $24 (25% lower)
- Young cats: Pets Best $11, Met Life $19 (42% lower)
- Young dogs: Pets Best $22, Met Life $30 (25% lower)
- Middle-aged cats: Pets Best $18, Met Life $24 (25% lower)
- Middle-aged dogs: Pets Best $36, Met Life $41 (12% lower)
- Senior cats: Met Life $38, Pets Best $42 (Met Life 9% lower)
- Senior dogs: Met Life $82, Pets Best $89 (Met Life 8% lower)
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 has nine discount categories compared to Pets Best's four. Both have multi-pet and military discounts, but Met Life's military discount is 10% versus Pets Best's 5%. Pets Best is simpler for employer group plans and veterinary staff at a flat 5%. Met Life adds categories for health care workers, federal employees and association members that Pets Best doesn't have.
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 ranks three spots ahead of Met Life on MoneyGeek's national customer experience ranking. Met Life scores higher on Trustpilot and the Better Business Bureau, but Pets Best draws stronger positive feedback from Reddit users.
Pets Best vs Met Life Trustpilot ratingsMet 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 has broader pet insurance coverage than Met Life, ranking second nationally to Met Life's seventh. Pets Best pays licensed veterinarians directly for covered claims and has unlimited annual coverage. Met Life has neither.
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: $365 in annual routine care coverage. Per-service limits: $15 for deworming, $50 for vet exams, $60 for microchipping or behavior training, $65 for health screens, $75 for vaccines and parasite prevention, $100 for spay/neuter or teeth cleaning.
- Preventive 575: $575 in annual coverage 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, $150 for spay/neuter or teeth cleaning.
Pets Best vs. Met Life Pet Insurance Add-ons
Met Life has no optional add-ons beyond its wellness plans. 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:
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.
Pets Best is cheaper for most age groups and pet types. Kittens average about $13 a month, or 49% less than Met Life. Met Life costs less only for senior pets, where its rates are 8% to 15% lower.
Pets Best covers curable pre-existing conditions once the condition is fully resolved and no further treatment is needed. Met Life covers certain pre-existing conditions only when switching from another provider to its group policy, and only when the previous insurer covered that condition.
Both have two wellness tiers as optional add-ons to accident and illness policies. Pets Best annual limits are $305 to $535, and Met Life's are $365 to $575. The better option depends on your pet's routine care needs and what you're willing to pay monthly for preventive coverage.
Pets Best ranks third for dogs and seventh for cats nationally. Met Life ranks 10th for dogs and 12th for cats. Pets Best scores higher than Met Life on affordability, customer experience and coverage, so it's the stronger option across all three dimensions for most owners.
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. He sets the research framework, data standards and content structure for his team. All content goes through his accuracy review before publication. Connor also writes in-depth guides and has spent more than four years covering insurance products across personal, commercial and specialty lines.
The research infrastructure Connor built covers auto, home, renters, life, health, business and pet insurance across pricing analysis, carrier research, customer experience and coverage evaluation. It includes over 6 million data points for business insurance across 408 industry areas, all 50 states and 16 vehicle types. The pet insurance side covers over 5 million profiles across 18 major providers, 100+ breeds and ages up to 20 years. Connor’s insurance research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Connor also talks with underwriters and carrier liaisons at Ethos, The Hartford, ERGO NEXT, Nationwide and State Farm, and monitors business and pet owner communities on Reddit. Those sources shape how his team evaluates carriers, structures rate analysis and writes for human buyers rather than search engines.
For questions about MoneyGeek's business and pet insurance content, contact him at connor@moneygeek.com or on LinkedIn.
Sources
- Trustpilot. "Met Life Pet Insurance ." Accessed July 27, 2026.
- Trustpilot. "Pets Best Pet Health Insurance ." Accessed July 27, 2026.
- Better Business Bureau. "Met Life Pet Insurance Solutions LLC." Accessed July 27, 2026.
- Better Business Bureau. "Pets Best Insurance Services." Accessed July 27, 2026.