Trupanion ranks higher than MetLife overall for both dogs and cats in MoneyGeek's analysis. The right choice for pet insurance depends on your priorities. Trupanion leads on coverage breadth and customer service scores; MetLife offers lower rates for dogs, while Trupanion is the more affordable option for cats.
Trupanion vs. Met Life Pet Insurance
Updated: June 10, 2026
Advertising & Editorial Disclosure
Trupanion vs. Met Life Pet Insurance: Key Takeaways
Met Life ranks as the cheaper pet insurance provider for most cats and dogs, charging $35 monthly for middle-aged cats and $61 monthly for dogs, while Trupanion charges more at $48 for cats and $88 for dogs.
Trupanion has better customer service than Met Life, with a 4.4 out of 5 Trustpilot score and A+ BBB rating backed by direct vet payments and quick claims processing.
Trupanion provides broader pet insurance coverage than Met Life, featuring per-condition deductibles, unlimited payouts, direct vet payments and optional add-ons for breeding and pet owner benefits.
Is Trupanion or Met Life Pet Insurance Better?
| Cat | Affordability | Trupanion | 5 | 10 |
| Cat | Coverage | Trupanion | 2 | 7 |
| Cat | Customer Experience | Trupanion | 5 | 8 |
| Cat | Overall Score | Trupanion | 5 | 12 |
| Dog | Affordability | Met Life | 6 | 6 |
| Dog | Coverage | Trupanion | 2 | 7 |
| Dog | Customer Experience | Trupanion | 5 | 8 |
| Dog | Overall Score | Trupanion | 6 | 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 across different situations:
Trupanion and Met Life Comparison by State
Whether you own a dog or cat, Trupanion ranks as the best pet insurance company compared to Met Life across all 50 states.
Data filtered by:
Select
| Alabama | Cat | Trupanion |
| Alabama | Dog | Trupanion |
| Alaska | Cat | Trupanion |
| Alaska | Dog | Trupanion |
| Arizona | Cat | Trupanion |
| Arizona | Dog | Trupanion |
| Arkansas | Cat | Trupanion |
| Arkansas | Dog | Trupanion |
| California | Cat | Trupanion |
| California | Dog | Trupanion |
| Colorado | Cat | Trupanion |
| Colorado | Dog | Trupanion |
| Connecticut | Cat | Trupanion |
| Connecticut | Dog | Trupanion |
| Delaware | Cat | Trupanion |
| Delaware | Dog | Trupanion |
| Florida | Cat | Trupanion |
| Florida | Dog | Trupanion |
| Georgia | Cat | Trupanion |
| Georgia | Dog | Trupanion |
| Hawaii | Cat | Trupanion |
| Hawaii | Dog | Trupanion |
| Idaho | Cat | Trupanion |
| Idaho | Dog | Trupanion |
| Illinois | Cat | Trupanion |
| Illinois | Dog | Trupanion |
| Indiana | Cat | Trupanion |
| Indiana | Dog | Trupanion |
| Iowa | Cat | Trupanion |
| Iowa | Dog | Trupanion |
| Kansas | Cat | Trupanion |
| Kansas | Dog | Trupanion |
| Kentucky | Cat | Trupanion |
| Kentucky | Dog | Trupanion |
| Louisiana | Cat | Trupanion |
| Louisiana | Dog | Trupanion |
| Maine | Cat | Trupanion |
| Maine | Dog | Trupanion |
| Maryland | Cat | Trupanion |
| Maryland | Dog | Trupanion |
| Massachusetts | Cat | Trupanion |
| Massachusetts | Dog | Trupanion |
| Michigan | Cat | Trupanion |
| Michigan | Dog | Trupanion |
| Minnesota | Cat | Trupanion |
| Minnesota | Dog | Trupanion |
| Mississippi | Cat | Trupanion |
| Mississippi | Dog | Trupanion |
| Missouri | Cat | Trupanion |
| Missouri | Dog | Trupanion |
| Montana | Cat | Trupanion |
| Montana | Dog | Trupanion |
| Nebraska | Cat | Trupanion |
| Nebraska | Dog | Trupanion |
| Nevada | Cat | Trupanion |
| Nevada | Dog | Trupanion |
| New Hampshire | Cat | Trupanion |
| New Hampshire | Dog | Trupanion |
| New Jersey | Cat | Trupanion |
| New Jersey | Dog | Trupanion |
| New Mexico | Cat | Trupanion |
| New Mexico | Dog | Trupanion |
| New York | Cat | Trupanion |
| New York | Dog | Trupanion |
| North Carolina | Cat | Trupanion |
| North Carolina | Dog | Trupanion |
| North Dakota | Cat | Trupanion |
| North Dakota | Dog | Trupanion |
| Ohio | Cat | Trupanion |
| Ohio | Dog | Trupanion |
| Oklahoma | Cat | Trupanion |
| Oklahoma | Dog | Trupanion |
| Oregon | Cat | Trupanion |
| Oregon | Dog | Trupanion |
| Pennsylvania | Cat | Trupanion |
| Pennsylvania | Dog | Trupanion |
| Rhode Island | Cat | Trupanion |
| Rhode Island | Dog | Trupanion |
| South Carolina | Cat | Trupanion |
| South Carolina | Dog | Trupanion |
| South Dakota | Cat | Trupanion |
| South Dakota | Dog | Trupanion |
| Tennessee | Cat | Trupanion |
| Tennessee | Dog | Trupanion |
| Texas | Cat | Trupanion |
| Texas | Dog | Trupanion |
| Utah | Cat | Trupanion |
| Utah | Dog | Trupanion |
| Vermont | Cat | Trupanion |
| Vermont | Dog | Trupanion |
| Virginia | Cat | Trupanion |
| Virginia | Dog | Trupanion |
| Washington | Cat | Trupanion |
| Washington | Dog | Trupanion |
| West Virginia | Cat | Trupanion |
| West Virginia | Dog | Trupanion |
| Wisconsin | Cat | Trupanion |
| Wisconsin | Dog | Trupanion |
| Wyoming | Cat | Trupanion |
| Wyoming | Dog | Trupanion |
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.
Trupanion vs. Met Life Pet Insurance Cost
Our pet insurance cost study between Trupanion and Met Life found that Met Life offers more affordable pet insurance than Trupanion for most age groups. Trupanion only offers lower rates than Met Life for kittens and young cats.
- Kittens: Trupanion averages $16 per month; MetLife averages $25 per month, 35% more.
- Young cats: Trupanion averages $25 per month; MetLife averages $29 per month, 12% more.
- Middle-aged cats: MetLife averages $35 per month; Trupanion averages $48 per month, 26% more.
- Senior cats: MetLife averages $57 per month; Trupanion averages $134 per month, 58% more.
- Puppies: MetLife averages $36 per month; Trupanion averages $52 per month, 31% more.
- Young dogs: MetLife averages $44 per month; Trupanion averages $69 per month, 37% more.
- Middle-aged dogs: MetLife averages $61 per month; Trupanion averages $88 per month, 31% more.
- Senior dogs: MetLife averages $122 per month; Trupanion averages $252 per month, 52% more.
Data filtered by:
Select
| Kittens | Trupanion | $16 | 35% |
| Young Cats | Trupanion | $25 | 12% |
| Middle Aged Cats | Met Life | $35 | 26% |
| Puppies | Met Life | $36 | 31% |
| Young Dogs | Met Life | $44 | 37% |
| Senior Cats | Met Life | $57 | 58% |
| Middle Aged Dogs | Met Life | $61 | 31% |
| Senior Dogs | Met Life | $122 | 52% |
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.
Trupanion vs. Met Life Pet Insurance Cost by State
Met Life offers the cheapest pet insurance for puppies, young dogs and middle-aged to senior pets in all 50 states. Trupanion only beats Met Life for kittens and young cats nationwide.
Data filtered by:
Middle Aged Dogs
| Alabama | Met Life | $45 | 31% |
| Alaska | Met Life | $59 | 31% |
| Arizona | Met Life | $74 | 32% |
| Arkansas | Met Life | $41 | 31% |
| California | Met Life | $77 | 32% |
| Colorado | Met Life | $76 | 32% |
| Connecticut | Met Life | $69 | 31% |
| Delaware | Met Life | $61 | 31% |
| Florida | Met Life | $69 | 31% |
| Georgia | Met Life | $55 | 31% |
| Hawaii | Met Life | $61 | 31% |
| Idaho | Met Life | $61 | 31% |
| Illinois | Met Life | $75 | 32% |
| Indiana | Met Life | $55 | 31% |
| Iowa | Met Life | $51 | 31% |
| Kansas | Met Life | $55 | 31% |
| Kentucky | Met Life | $48 | 31% |
| Louisiana | Met Life | $49 | 31% |
| Maine | Met Life | $74 | 31% |
| Maryland | Met Life | $60 | 31% |
| Massachusetts | Met Life | $78 | 31% |
| Michigan | Met Life | $61 | 31% |
| Minnesota | Met Life | $63 | 31% |
| Mississippi | Met Life | $52 | 31% |
| Missouri | Met Life | $48 | 31% |
| Montana | Met Life | $51 | 31% |
| Nebraska | Met Life | $55 | 31% |
| Nevada | Met Life | $63 | 32% |
| New Hampshire | Met Life | $71 | 31% |
| New Jersey | Met Life | $68 | 31% |
| New Mexico | Met Life | $54 | 31% |
| New York | Met Life | $66 | 32% |
| North Carolina | Met Life | $54 | 31% |
| North Dakota | Met Life | $47 | 31% |
| Ohio | Met Life | $56 | 31% |
| Oklahoma | Met Life | $51 | 31% |
| Oregon | Met Life | $75 | 31% |
| Pennsylvania | Met Life | $63 | 31% |
| Rhode Island | Met Life | $53 | 31% |
| South Carolina | Met Life | $58 | 31% |
| South Dakota | Met Life | $54 | 31% |
| Tennessee | Met Life | $56 | 31% |
| Texas | Met Life | $64 | 32% |
| Utah | Met Life | $58 | 31% |
| Vermont | Met Life | $56 | 31% |
| Virginia | Met Life | $65 | 31% |
| Washington | Met Life | $70 | 31% |
| West Virginia | Met Life | $52 | 31% |
| Wisconsin | Met Life | $65 | 31% |
| Wyoming | Met Life | $56 | 31% |
How We Decided the Winning Pet Insurance Provider by State
All rates presented here were based on average pricing for Labrador Retrievers and Ragdolls from the age of less than 1 years old up to 20 years of age.
Trupanion vs. Met Life Pet Insurance Discounts
MetLife is the only option for pet insurance discounts between these two providers. MetLife offers 10% off for military members, federal employees, health care workers and veterinary staff, plus discounts for multiple pets and online purchases. Trupanion offers no discounts.
Multiple pets | None. | Gives you a discount when you enroll more than one pet with MetLife. |
Military | None. | Get 10% off if you're an active or former Armed Forces, National Guard or Reserves member, or a first responder. |
Membership | None. | Offers 5% off for members of participating organizations. |
Employer group plan | None. | You save 10% on pet insurance if you join a participating employer's group plan. |
Veterinary staff | None. | Owners, staff members or volunteer workers in the animal care industry access 10% discount. |
Federal employee | None. | Reduce your pet insurance rate if you're a federal employee of the U.S. Government. |
Internet purchase | None. | The base premium lowers by $1 when you purchase a policy online. |
Deductible | None. | Reduces deductible by $50 for the next policy year if you didn't file a claim within the year. |
Health care workers | None. | You receive 10% off if you work in the health care industry. |
Trupanion vs. Met Life Pet Insurance Customer Experience
Trupanion ranks three spots ahead of MetLife nationally for customer experience in MoneyGeek's analysis. MetLife scores higher on Trustpilot (4.7 versus 4.4 out of 5), but Trupanion holds a stronger BBB rating and more positive sentiment on Reddit.
Trupanion vs Met Life Trustpilot ratingsMet Life earns a higher Trustpilot rating at 4.7 out of 5 compared to Trupanion's 4.4 out of 5. Pet owners praise Met Life for fast reimbursements and an easy-to-use app, while Trupanion customers highlight direct vet payments and quick claims processing within 24 hours. However, both providers receive complaints about premium increases and denied claims.
- Trupanion vs Met Life BBB ratings
Trupanion holds an A+ BBB rating, while Met Life has an A- rating. Trupanion is also BBB Accredited, meaning it has committed to upholding BBB Standards for Trust, whereas Met Life is not accredited. Met Life's lower rating stems from failing to respond to three complaints filed against the business.
- Trupanion vs Met Life Pet Insurance Reddit sentiment
We analyzed Reddit discussions and found Trupanion garners 44% positive sentiment from 16 total comments, while Met Life earns 40% positive feedback from 20 comments. Pet owners praise Trupanion's per-condition deductible that doesn't reset annually and direct vet payment feature, which eliminates the reimbursement wait. Met Life users appreciate the diminishing deductible that rewards claim-free years and workplace discount options that reduce monthly costs. Both companies receive similar criticisms about claim denials and processing delays, though Trupanion gets more complaints about customer service attitude, while Met Life users report more billing and payment issues.
Trupanion vs. Met Life Pet Insurance Coverage
Trupanion offers better pet insurance coverage for dogs and cats than Met Life, ranking second nationally, while Met Life trails by five spots. Trupanion pays vets directly, and its plans include unlimited coverage with per-condition deductibles that don't reset each year.
Diagnostics | ✓ | ✓ |
✓ | ✓ | |
✓ | ✓ | |
Fractures and broken bones | ✓ | ✓ |
Lacerations and bite wounds | ✓ | ✓ |
Parasite treatment | X | ✓ |
✓ | ✓ | |
Digestive illnesses | ✓ | ✓ |
Hereditary conditions | ✓ | ✓ |
Congenital conditions | ✓ | ✓ |
Chronic conditions | ✓ | ✓ |
✓ | ✓ | |
$0 to $1,000; deductible applies per condition for the lifetime of the pet | $0 to $750 in $50 increments and $1,000, $1,250, $1,500, $2,000 and $2,500 | |
Unlimited | $500 to $25,000 in $1,000 increments | |
90% | 50%, 70%, 80%, 90% | |
5 days for accidents, 30 days for illnesses in most states. These waiting periods change for the following states:
| 0 days for accidents, 14 days for illnesses and orthopedic conditions | |
Age restrictions | Only insures your pets that are younger than 14 years old during enrollment | No upper age limits for enrollment |
Pre-existing conditions | These are conditions that happened 18 months prior to your policy’s effective date or during waiting periods are permanently excluded | Only covers certain pre-existing conditions when you switch from another provider to Met Life's group policy, plus the condition must be covered by the previous insurer |
Direct vet payment | Pays licensed vets right at checkout, provided the vet has Trupanion's software installed | No direct vet payment feature |
Coverage varies by state and policy terms. Always review your specific policy documents to understand exact coverage terms, exclusions and limitations.
Trupanion vs. Met Life Pet Insurance Add-ons
Both Trupanion and MetLife offer optional add-ons for expanding base coverage. Trupanion's options are broader, covering breeding, recovery care and pet owner benefits. MetLife's add-ons focus on routine care.
- Recovery and Complementary Care Rider: Covers rehabilitation, acupuncture, chiropractic care, hydrotherapy, and physical therapy for recovery after illness or injury.
- Pet Owner Assistance Package: Reimburses boarding fees, third-party damage liability, lost pet advertising, and cremation or burial costs for covered pets.
- Breeding: Provides coverage for illnesses and injuries related to breeding, whelping and queening.
- Preventive 365: Provides routine care coverage for wellness exams, vaccinations, flea and tick prevention, heartworm testing and prevention, routine blood work, urinalysis, fecal testing, dental cleaning (up to $100), spay or neuter surgery (up to $100), microchipping, nail trimming, anal gland expression and behavioral training.
- Preventive 575: Includes the same benefits as Preventive 365 but with higher annual limits per service. Dental cleaning is covered up to $150, similar to spaying or neutering.
Trupanion vs. Met Life Pet Insurance: Bottom Line
Trupanion wins against Met Life for pet insurance overall, with better coverage and customer service. It covers accidents and illness with no payout limits, per-condition deductibles and direct vet payment, and earns a 4.4 out of 5 Trustpilot score and A+ BBB rating. Met Life offers more affordable rates for most pet age groups, with coverage starting at $35 per month for middle-aged cats and $61 per month for dogs.
Compare other major pet insurance companies to determine the best choice for your pet:
Trupanion vs. Met Life Pet Insurance Comparison: FAQ
Compare Trupanion and Met Life pet insurance through these common questions:
Trupanion offers one standardized plan with a per-condition deductible that never resets, unlimited coverage and direct vet payment. It also provides optional add-ons for breeding, recovery care and pet owner benefits. Meanwhile, Met Life provides customizable plans where you choose your deductible, reimbursement rate and annual limit, but you pay upfront and get reimbursed later. The company also has various pet insurance discounts, plus optional wellness plans for routine care.
Met Life costs less for most pet owners, with monthly premiums averaging $35 for middle-aged cats and $61 for middle-aged dogs. Trupanion charges higher premiums but includes unlimited lifetime payouts and pays vets directly at checkout.
Both companies accept senior pets with no upper age limits. That said, Met Life offers 52% to 58% savings for senior pets, plus it has a diminishing deductible that decreases each claim-free year, rewarding healthy older pets with lower out-of-pocket costs. In contrast, Trupanion provides unlimited coverage and per-condition deductibles that don't reset annually.
Trupanion covers 90% of eligible vet bills and pays the veterinarian directly at checkout, eliminating out-of-pocket costs beyond the deductible. MetLife allows reimbursement rates between 70% and 90%, but policyholders pay the full bill upfront and wait for reimbursement.
Trupanion's per-condition deductible structure benefits pets with chronic conditions: the deductible applies once per condition and does not reset. MetLife covers hereditary conditions but uses annual deductibles that reset each year, which increases costs for ongoing treatments.
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 20, 2026.
- Trustpilot. "Trupanion." Accessed July 20, 2026.
- Better Business Bureau. "Trupanion." Accessed July 20, 2026.
- Better Business Bureau. "Met Life Pet Insurance Solutions LLC." Accessed July 20, 2026.