Embrace vs MetLife

Most popular pet insurance providers

View Rates Editor's review

View Rates Editor's review

Coverage Options

Comprehensive accident & illness plans, wellness add-on available.

Accident, illness, wellness plans

Annual Coverage Limit

Up to $30,000

Customizable up to $10,000

Reimbursement Rates

70%, 80%, or 90%

Up to 90%

Deductibles

$200 to $1,000 (flexible options)

Flexible options available

Waiting Period

2 days for accidents, 14 days for illnesses

No waiting period for accidents and preventive care

Preventive Care

Available as an optional wellness plan

Available as add-on

Dental Coverage

Covers dental accidents & illnesses.

Yes

Exclusions

Pre-existing conditions, elective procedures, and more.

Pre-existing conditions

Multi-Pet Discount

10% discount for additional pets.

Yes

Claims Process

Submit online or through the app; typically reimbursed within 10-15 days.

Simple with quick reimbursements

Mobile App

Yes, with claims submission and policy management.

Yes

Customer Support

Available via phone, email, and live chat.

24/7 access

Pricing

Starts at ~$25/month (varies by pet and coverage).

Plans starting at $16/month for dogs, $7/month for cats

Unique Perks

Diminishing deductible ($50/year without claims).

Free 24/7 vet chat

Best For

Pet owners seeking flexible coverage and wellness options.

Pet owners seeking customizable, comprehensive coverage

Embrace and MetLife both provide excellent pet insurance options, but Embrace offers several distinct advantages that make it a top choice for pet owners.

Comprehensive Coverage for All Pet Needs (90% of Pet Owners Seek This)

Embrace provides coverage for accidents, illnesses, wellness care, dental, and even behavioral care, making it one of the most comprehensive plans available. About 90% of pet owners prefer having all these aspects covered under one policy. MetLife also offers solid coverage, but it lacks coverage for routine wellness care and dental treatments unless you opt for an additional rider, which may not be affordable for all pet owners.

Wellness Rewards Program (80% of Pet Owners Find This Essential)

One of Embrace’s most appealing features is its Wellness Rewards program, which reimburses pet owners for routine veterinary care like vaccinations, flea treatments, and wellness exams. Approximately 80% of pet owners consider this wellness coverage essential for keeping their pets healthy. MetLife does not provide a similar program, and its wellness benefits are limited compared to Embrace’s offering.

Pre-existing Conditions Coverage (77% of Pets Have Curable Pre-existing Conditions)

Embrace allows coverage for certain curable pre-existing conditions, a significant benefit for pets that may have had minor issues in the past, such as a past injury. Around 77% of pets have conditions that could be treated, and Embrace ensures these pets are eligible for care once the condition is cured. MetLife does not offer any coverage for pre-existing conditions, which may leave pet owners paying out-of-pocket for treatments.

Claims Processing Speed (85% of Claims Processed in Under 10 Days)

Embrace is known for its fast claims processing. Around 85% of claims are processed in under 10 business days, ensuring pet owners receive their reimbursement quickly. MetLife’s claims process is a bit slower, with an average processing time of 10-14 business days, which can delay financial relief during stressful times.

Customer Satisfaction (4.6/5 Rating from 2,500+ Reviews)

Embrace has earned an impressive 4.6/5 rating based on over 2,500 reviews, with customers praising its comprehensive coverage, efficient claims process, and strong customer service. MetLife, while reputable, has a slightly lower rating of 4.2/5. Some MetLife customers report issues with the claims process and the lack of customization in coverage plans.