Spot vs MetLife

Most popular pet insurance providers

View Rates Editor's review

View Rates Editor's review

Coverage Options

Customizable accident & illness plans, preventive care add-ons offered.

Accident, illness, wellness plans

Annual Coverage Limit

Unlimited coverage available

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

14 days for both accidents and 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 multiple pets.

Yes

Claims Process

Easy online submissions; typically reimbursed within 7-10 days.

Simple with quick reimbursements

Mobile App

Yes, with comprehensive functionality.

Yes

Customer Support

Available via phone, email, and live chat.

24/7 access

Pricing

Starts at ~$30/month (varies by pet and coverage).

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

Unique Perks

Unlimited annual coverage option.

Free 24/7 vet chat

Best For

Pet owners wanting unlimited coverage options and fast reimbursements.

Pet owners seeking customizable, comprehensive coverage

Spot offers a superior pet insurance experience compared to MetLife, with its comprehensive coverage, quick claims process, flexible plan options, and exceptional customer service. If you’re looking for a pet insurance provider that covers all aspects of your pet’s health, Spot may be the better option for you.

Coverage for Wellness and Preventive Care (80% of Pet Owners Find This Essential)

Spot offers extensive coverage that includes accidents, illnesses, wellness care, and dental treatments. This makes Spot an excellent option for pet owners looking for a complete policy that covers all medical needs, including routine vet visits. Spot’s wellness rewards program helps cover preventive care like annual exams, vaccinations, flea treatments, and more, ensuring your pet stays healthy. According to recent surveys, 80% of pet owners consider wellness coverage essential for maintaining their pet’s overall health, and Spot delivers on this with one of the best wellness options available. MetLife, while providing good coverage for accidents and illnesses, does not offer wellness coverage in its base policy. This means pet owners have to pay for routine care out of pocket or purchase a separate rider, which may not be affordable for everyone.

Flexible Coverage Plans (85% of Spot Customers Prefer Customization)

Spot stands out for its flexibility in customizing coverage to suit your pet’s unique needs. With Spot, you can adjust your policy’s annual limits, deductibles, and reimbursement percentages, making it easier to find an affordable plan that provides the right level of protection for your pet. About 85% of Spot customers report being highly satisfied with the ability to customize their plans, tailoring their coverage to meet both their pet’s health needs and their budget. This flexibility ensures that you only pay for what you need. On the other hand, MetLife offers some level of customization but is not as flexible as Spot. MetLife’s policies are more standardized, and pet owners may find themselves paying for coverage they don’t need or missing out on vital benefits that Spot offers.

Claims Processing Speed (80% of Spot Claims Processed in Under 10 Days)

Spot is well-known for its fast claims processing, with 80% of claims processed and reimbursed within 10 business days. This quick turnaround time is crucial for pet owners who want to manage their vet expenses without the stress of waiting. Spot’s user-friendly platform makes it easy to file and track claims, ensuring a smooth and efficient experience. In contrast, MetLife’s claims process can take longer, with some claims taking up to 14 business days for reimbursement. While MetLife offers an easy-to-use platform as well, the slower claims processing time may be inconvenient for pet owners who need reimbursement promptly.

Customer Satisfaction (4.5/5 Rating Based on 3,000+ Reviews)

Spot consistently receives excellent customer satisfaction ratings, holding a strong 4.5/5 based on over 3,000 reviews. Pet owners appreciate Spot’s fast claims processing, the flexibility of its plans, and the comprehensive coverage that protects their pets. Spot’s customer service is also highly rated, with many users noting the helpfulness and responsiveness of the support team. MetLife, while offering a solid pet insurance option, has a slightly lower customer satisfaction rating of 4.2/5. Some customers report frustrations with the slow claims processing times and lack of flexibility in coverage plans. Despite being a reliable option, MetLife’s overall customer satisfaction is not as high as Spot’s.

Value for Money (Customizable Plans for All Budgets)

Spot offers affordable pricing with a range of coverage options that can be tailored to different budgets. Whether you’re looking for basic coverage or an all-inclusive plan, Spot gives you the ability to adjust your premium and coverage levels to ensure you’re getting the best value for your money. Approximately 85% of Spot customers find that the plans fit within their budget, offering high-value protection for their pets. In comparison, MetLife’s pricing is more rigid, and while it offers competitive rates, it lacks the flexibility that Spot provides in terms of customizing your plan to fit your budget.