Met Life offers better pet insurance coverage than Spot for both dogs and cats, ranking seventh nationally compared to Spot's eighth place ranking. Research shows both providers offer similar deductible ranges and annual limits, but Met Life provides more flexible coverage adjustment options within the first 30 days and shorter accident waiting periods of just two days versus Spot's five-day requirement.
Spot vs. Met Life Pet Insurance
Updated: November 9, 2025
Advertising & Editorial Disclosure
Spot vs. Met Life Pet Insurance: Key Takeaways
Spot provides more affordable pet insurance rates, charging $30 monthly for middle-aged cats and $49 for dogs, while Met Life's rates are higher at $35 and $61 respectively.
With a Trustpilot rating of 4.7 out of 5.0 stars and a second place national ranking in customer experience, Spot outperforms Met Life's 4.5-star rating and eighth place position.
Met Life ranks seventh nationally for coverage while Spot ranks eighth, with both providers offering standard accident coverage and wellness plan add-ons for comprehensive pet care.
Is Spot or Met Life Pet Insurance Better?
Data filtered by:
Dog
| Affordability | Met Life | 6 | 9 |
| Coverage | Met Life | 7 | 8 |
| Customer Experience | Spot | 2 | 8 |
| Overall Score | Spot | 6 | 10 |
Spot and Met Life Comparison by State
Spot is the best pet insurance company in 4 states for dogs and 3 states for cats. The provider leads dog coverage in California, Florida, Maryland and West Virginia. For cat insurance, Spot ranks first in California, Florida and Massachusetts.
Data filtered by:
Overall Score
Dog
| Alabama | Spot | 7 | 3 |
| Alaska | Spot | 8 | 2 |
| Arizona | Spot | 6 | 4 |
| Arkansas | Spot | 8 | 2 |
| California | Spot | 4 | 6 |
| Colorado | Spot | 6 | 4 |
| Connecticut | Spot | 7 | 3 |
| Delaware | Spot | 7 | 3 |
| Florida | Spot | 4 | 6 |
| Georgia | Spot | 7 | 3 |
| Hawaii | Spot | 8 | 2 |
| Idaho | Spot | 6 | 4 |
| Illinois | Spot | 6 | 4 |
| Indiana | Spot | 6 | 4 |
| Iowa | Spot | 6 | 4 |
| Kansas | Spot | 5 | 5 |
| Kentucky | Spot | 5 | 5 |
| Louisiana | Spot | 8 | 2 |
| Maine | Spot | 5 | 4 |
| Maryland | Spot | 4 | 6 |
| Massachusetts | Spot | 6 | 4 |
| Michigan | Spot | 6 | 4 |
| Minnesota | Spot | 7 | 3 |
| Mississippi | Spot | 6 | 4 |
| Missouri | Spot | 6 | 4 |
| Montana | Spot | 7 | 3 |
| Nebraska | Spot | 8 | 2 |
| Nevada | Spot | 5 | 5 |
| New Hampshire | Spot | 5 | 5 |
| New Jersey | Spot | 6 | 4 |
| New Mexico | Spot | 8 | 2 |
| New York | Spot | 7 | 3 |
| North Carolina | Spot | 6 | 4 |
| North Dakota | Spot | 7 | 3 |
| Ohio | Spot | 7 | 3 |
| Oklahoma | Spot | 5 | 5 |
| Oregon | Spot | 6 | 4 |
| Pennsylvania | Spot | 6 | 4 |
| Rhode Island | Spot | 7 | 3 |
| South Carolina | Spot | 5 | 5 |
| South Dakota | Spot | 6 | 4 |
| Tennessee | Spot | 7 | 3 |
| Texas | Spot | 6 | 4 |
| Utah | Spot | 7 | 3 |
| Vermont | Spot | 8 | 2 |
| Virginia | Spot | 6 | 7 |
| Washington | Spot | 5 | 5 |
| West Virginia | Spot | 4 | 6 |
| Wisconsin | Spot | 6 | 4 |
| Wyoming | Spot | 5 | 5 |
Spot vs. Met Life Pet Insurance Cost
Spot offers more affordable pet insurance than Met Life across most age groups for cats and dogs. Middle-aged dogs cost $49 per month with Spot compared with Met Life's $61. For cats, it's $30 with Spot versus $35 with Met Life.
Learn how much pet insurance costs across different age categories.
Data filtered by:
Select
| Kittens | Spot | $14 | 46% |
| Young Cats | Spot | $19 | 34% |
| Puppies | Spot | $25 | 29% |
| Middle Aged Cats | Spot | $30 | 16% |
| Young Dogs | Spot | $32 | 27% |
| Middle Aged Dogs | Spot | $49 | 19% |
| Senior Cats | Met Life | $57 | 21% |
| Senior Dogs | Spot | $118 | 3% |
Spot vs. Met Life Pet Insurance Cost by State
Spot offers the cheapest pet insurance across most categories, leading in pricing for middle-aged dogs and cats in all 50 states. Met Life only beats Spot's rates for senior cats nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Spot | $36 | 19% |
| Alaska | Spot | $48 | 19% |
| Arizona | Spot | $59 | 19% |
| Arkansas | Spot | $33 | 19% |
| California | Spot | $61 | 20% |
| Colorado | Spot | $61 | 19% |
| Connecticut | Spot | $56 | 19% |
| Delaware | Spot | $49 | 20% |
| Florida | Spot | $55 | 19% |
| Georgia | Spot | $44 | 19% |
| Hawaii | Spot | $49 | 19% |
| Idaho | Spot | $49 | 19% |
| Illinois | Spot | $60 | 20% |
| Indiana | Spot | $44 | 19% |
| Iowa | Spot | $41 | 19% |
| Kansas | Spot | $44 | 20% |
| Kentucky | Spot | $39 | 19% |
| Louisiana | Spot | $39 | 19% |
| Maine | Spot | $59 | 19% |
| Maryland | Spot | $48 | 19% |
| Massachusetts | Spot | $63 | 20% |
| Michigan | Spot | $49 | 19% |
| Minnesota | Spot | $51 | 19% |
| Mississippi | Spot | $41 | 20% |
| Missouri | Spot | $38 | 19% |
| Montana | Spot | $41 | 19% |
| Nebraska | Spot | $44 | 19% |
| Nevada | Spot | $50 | 19% |
| New Hampshire | Spot | $56 | 20% |
| New Jersey | Spot | $55 | 19% |
| New Mexico | Spot | $43 | 19% |
| New York | Spot | $53 | 19% |
| North Carolina | Spot | $43 | 20% |
| North Dakota | Spot | $37 | 19% |
| Ohio | Spot | $45 | 20% |
| Oklahoma | Spot | $41 | 19% |
| Oregon | Spot | $61 | 19% |
| Pennsylvania | Spot | $51 | 19% |
| Rhode Island | Spot | $43 | 19% |
| South Carolina | Spot | $46 | 20% |
| South Dakota | Spot | $43 | 19% |
| Tennessee | Spot | $45 | 19% |
| Texas | Spot | $52 | 19% |
| Utah | Spot | $47 | 19% |
| Vermont | Spot | $45 | 19% |
| Virginia | Spot | $52 | 20% |
| Washington | Spot | $56 | 19% |
| West Virginia | Spot | $42 | 20% |
| Wisconsin | Spot | $52 | 20% |
| Wyoming | Spot | $45 | 20% |
Spot vs. Met Life Pet Insurance Discounts
Both Spot and MetLife offer multiple pet insurance discounts that make policies more affordable for families with multiple pets or those who enroll through employer programs. The table below compares their primary savings options.
Save 10% on each additional pet when you enroll more than one under the same plan. | Multi-pet plans allow coverage for several pets, with tiered savings that increase for each additional pet. | |
Bundling | None | Policyholders who enroll through employer or group programs may qualify for up to 10% off. |
Annual Pay-In Full | Not publicly listed as a standard discount. | Not publicly listed as a standard discount. |
Association/Club Member | Members of certain partner organizations, including AAA and Blue365, may receive up to 10% off their policy. | Discounts available for select groups, such as military members, first responders, and healthcare workers. |
Employer Group | Employees of partner companies can receive up to 10% off when enrolling through employer-sponsored programs. | MetLife offers group enrollment options that may include special pricing or benefits for employees. |
Spot vs. Met Life Pet Insurance Customer Experience
Spot delivers superior customer experience compared to Met Life, ranking second nationally for both dogs and cats while Met Life ranks tenth. Spot maintains consistently strong third-party ratings with an A+ BBB rating and 4.7 out of 5.0 Trustpilot score. Met Life earns solid customer reviews on Trustpilot at 4.5 out of 5.0 but holds a lower A- BBB rating.
Spot vs Met Life Trustpilot ratings
Spot earns a slightly higher Trustpilot rating at 4.7 out of 5.0 compared to Met Life's 4.5 out of 5.0. Both providers receive positive feedback from verified customers, with reviewers praising responsive customer service and efficient claims processing.
Spot vs Met Life BBB ratings
Spot holds an A+ BBB rating and is accredited, indicating strong complaint resolution and business transparency. Met Life maintains an A- rating but is not BBB accredited, suggesting slightly less oversight in complaint handling processes.
Spot vs Met Life Pet Insurance Reddit Sentiment
We analyzed Reddit discussions and found Spot achieved 45% positive sentiment from 29 total comments (13 positive, 16 negative). Met Life received 40% positive sentiment from 20 comments (8 positive, 12 negative). Both providers show mixed feedback on Reddit, with Spot performing slightly better in overall user sentiment.
Spot vs. Met Life Pet Insurance Coverage
Met Life offers better pet insurance coverage for dogs and cats than Spot, ranking sixth nationally while Spot 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 | ✓ | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$100, $250, $500, $750, $1,000 | $50, $100, $250, $500, $1,000 | |
$2,500, $5,000, $10,000, Unlimited | $2,000, $5,000, $10,000, Unlimited | |
70%, 80%, 90% | 70%, 80%, 90% | |
14 days for accidents and illnesses | 0 days for accidents, 14 days for illnesses | |
Age restrictions | No upper age limit | |
Curable conditions covered after 180 symptom-free days | ||
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Spot vs. Met Life Pet Insurance Add-ons
Both Spot and MetLife offer optional wellness plans and preventive care add-ons that reimburse pet owners for routine services like exams, vaccines, and dental cleanings. Spot focuses on tiered wellness plans, while MetLife’s preventive add-on provides greater flexibility for families with multiple pets.
Spot Pet Insurance Add-ons
Spot offers two wellness plan options designed to cover routine care:
- Gold wellness plan: Covers dental cleaning, exams, vaccines, heartworm testing, deworming, and fecal tests with up to $250 in annual benefits.
- Platinum wellness plan: Includes all Gold plan benefits plus spay/neuter, additional vaccines, blood tests, health certificates, and flea or heartworm prevention with increased reimbursement limits.
Met Life Pet Insurance Add-ons
Met Life provides preventive care and family plan options for broader coverage:
- Preventive Care add-on: Covers wellness exams, dental cleaning, vaccines, spay/neuter, flea/tick medication, and heartworm prevention.
- Family Plan option: Allows multiple pets to be covered under one shared deductible and policy limit, simplifying coverage for multi-pet households.
Spot vs. Met Life Pet Insurance: Bottom Line
Spot beats Met Life overall, delivering better customer service and more affordable rates for most pets. Spot charges $49 monthly for middle-aged dogs and $30 for cats, making it the budget-friendly choice. Spot earns a 4.7 Trustpilot rating and A+ BBB rating, showing strong customer satisfaction. However, Met Life offers more comprehensive coverage options for pet owners seeking extensive protection.
Spot vs. Met Life Pet Insurance Comparison: FAQ
Compare Spot and Met Life pet insurance through these common questions:
Which is cheaper: Spot vs Met Life pet insurance?
Spot is cheaper than Met Life pet insurance in most categories across all 50 states. Middle-aged cats cost $30 monthly with Spot versus Met Life's $35. The savings are even greater for middle-aged dogs, with Spot charging $49 per month compared to Met Life's $61. Met Life only beats Spot for senior cats.
Which has better customer service: Spot vs Met Life pet insurance?
Spot delivers superior customer service, ranking second nationally for customer experience compared to Met Life's 10th-place position. Spot maintains a 4.7 out of 5.0 Trustpilot score and an A+ BBB rating, while Met Life holds a 4.5 Trustpilot rating and an A- BBB grade.
Which offers better coverage: Spot vs Met Life pet insurance?
Met Life offers better coverage than Spot, ranking 7th nationally compared to Spot's 8th place ranking for both cats and dogs. Met Life provides more comprehensive add-on options including behavioral therapy, dental illness coverage, and end-of-life care. Both insurers cover standard veterinary needs like diagnostics, medications, and chronic conditions, but Met Life's expanded add-on selection delivers greater customization flexibility for pet owners.
Can I switch from Spot vs Met Life pet insurance or vice versa?
Yes, you can switch between Spot 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 30 days for orthopedic conditions. Any health issues your pet had under the previous policy will be considered pre-existing conditions.
Does Spot vs Met Life cover pre-existing conditions?
Neither Spot nor MetLife covers pre-existing conditions when you first enroll your pet. However, both companies may provide coverage for certain conditions later. Spot covers curable pre-existing conditions after your pet remains symptom-free for 180 days. MetLife offers similar coverage for recoverable conditions after a waiting period, typically requiring several months without symptoms.
Can I get discounts with both Spot vs Met Life pet insurance?
Yes, both Spot and MetLife offer discounts to help reduce premium costs. Spot provides multiple discount options, including savings for multi-pet households, military members, and veterinary professionals. MetLife offers fewer discount programs but includes multi-pet savings and potential group discounts through employers or associations. Both companies' discount availability varies by location and policy type.
What are the age limits for Spot vs Met Life pet insurance?
Spot accepts pets of any age without enrollment restrictions, making it accessible for senior animals. MetLife limits enrollment to pets under 14 years old, though some breeds face stricter age caps. This gives Spot a clear advantage for older pet owners seeking comprehensive coverage options.
How We Scored Spot vs. Met Life Pet Insurance
Evaluating Spot versus Met Life required collecting quotes under identical conditions to ensure fair comparison. We analyzed both providers using the same 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
Our analysis weighted three key factors based on their importance to pet owners:
Affordability (50% of score): We collected quotes across multiple pet ages and coverage options to determine typical monthly premiums, including available discounts that affect actual costs.
Customer Experience (30% of score): We analyzed Trustpilot ratings and customer feedback to assess 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.
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.