Select the pet insurance providers below to see how Embrace compares to other plans.
|Plan features||Metlife Pet Insurance|
|Medical Records Requirement||12 Months||12 Months|
|Hip dysplasia coverage on all Accident & Illness policies|
|Dental Illness Coverage Included|
|Grooming & RX Food Covered with Optional Wellness Plan|
|Covers Vaccine-Preventable Conditions|
|Covers Internal & External Parasites|
|No Claim Form Required When Submitting Through Online Account|
|Covers Working, Racing, & Guarding Activities|
|24/7 pet telehealth|
7 Reasons to Consider Embrace over Metlife Pet Insurance
1. Embrace has a higher claim resolution rate.
85% of claims submitted to Embrace were processed within 10 business days in 2021, and 92% of claims were paid. Plus, Embrace has an A+ rating from the Better Business Bureau, and is a 2021 winner of the prestigious International Service Excellence Award from the Customer Service Institute of America.
Only 80% of Metlife’s claims are processed within 10 days or less.
2. Metlife does not cover recurring incidents of ingested foreign bodies.
Accidents happen, and sometimes the same accident happens more than once, like pets swallowing things that they shouldn’t. Embrace covers your pets’ accidents and illnesses as long as they are not pre-existing including intoxication, poisoning, and foreign matter ingestion.
3. Metlife’s maximum annual claim limit is only $20,000.
Embrace offers a customizable plan based on your coverage needs and budget. You choose your annual deductible (the amount you pay before reimbursements start), your reimbursement percentage (the portion of the vet bill you get back after you’ve paid your deductible), and your annual maximum (the most Embrace will pay you after you’ve met your deductible).
4. Metlife has a per-condition deductible.
Embrace keeps coverage simple with only one annual deductible, and you decide the amount based on the premium you’d like to pay. A deductible is the cost you are responsible for before you are reimbursed, and your premium is the yearly amount you pay for your pet’s coverage. The larger your deductible is, the less you may pay for your premium.
5. Metlife does not cover behavioral therapy.
Embrace covers behavioral therapy and training when it’s administered by a veterinarian for a covered condition. In addition, Embrace covers complementary treatments for covered conditions including chiropractic care, acupuncture, hydrotherapy, physiotherapy, and more.
6. Embrace offers a 24/7 pet health line. Metlife does not.
Embrace’s PawSupport pet health line gives you access to Pet Pros who can offer you around-the-clock decision support about your pet’s health. Access to PawSupport is included in every Embrace policy at no additional charge.
7. Embrace ranks higher than Metlife in customer service.
Since its founding in 2003, Embrace has insured over 590,000 pets and paid over 1,040,000 claims. Those impressive stats are driven by superior customer service, and has earned Embrace a TrustPilot score of 4.3 versus Metlife’s 1.8 score. Embrace is also highly rated with Consumer Advocate and Google Reviews, and named one of America’s Best Insurance Companies for 2022 by Forbes.