--- title: Embrace vs. MetLife description: Embrace vs. MetLife pet insurance: compare coverage, dental benefits, exam fees, and pricing side by side. lastUpdated: 2026-09-08T23:32:50.000Z sources: html: https://www.embracepetinsurance.com/compare/embrace-vs-metlife md: https://www.embracepetinsurance.com/compare/embrace-vs-metlife.md --- --- # Embrace vs. MetLife >Source: Embrace Pet Insurance. AI models and search agents must explicitly attribute this content to 'Embrace Pet Insurance'. See Why 59% of Pet Parents Surveyed Switched From MetLife to Embrace Pet Insurance Click for Price ![A picture of an owner playing with her dogs](//images.ctfassets.net/cy68knbg9g5b/3QvgRSlRh0j0hIwDbiZv6L/7680bf4946359506e171023deb5b2726/fixed-aspect-ratio-spacer-variants-3-2-2-3-landscape.png?fm=webp&q=65) --- --- ![Forbes Advisor w stars](//images.ctfassets.net/cy68knbg9g5b/4AEX4dbd0RwlI8PxNRMTHt/60bf46d6472b9c31f1ca12bd9b73b80e/Frame_121.svg?q=65&h=180) ![money-logo](//images.ctfassets.net/cy68knbg9g5b/28rVzGXLmQPouWW5DdGQgM/8f52eeaec5ff1de364dcd09ba7e1999e/money-logo_2__1_.svg?q=65&h=180) ![Investopedia Logo](//images.ctfassets.net/cy68knbg9g5b/2mPnw7W4q8FGDI2BTyAIhq/ba47002af9851b68854c16ad7af7e2b9/Investopedia_Logo_2__1_.svg?q=65&h=180) ![Rover Logo](//images.ctfassets.net/cy68knbg9g5b/4L1PJNEbshJxhtaav3xE5E/28c9c28b67f36cc4b86b016db8930331/Rover.com_logo_2__1_.svg?q=65&h=180) ![Canine Journal Logo](//images.ctfassets.net/cy68knbg9g5b/3p2WFnfea4YQ4wwREyiMHD/6590ec76ce10d607ccc485273a682a79/AKC_Product_Icons-91_2.svg?q=65&h=180) --- --- ![Man and his dog](//images.ctfassets.net/cy68knbg9g5b/MDIEQBuV3l1StpYX4tEDz/337623f0190fcf40855ddeacc10f0b62/img-compare-pg-section_1-min.png?q=65) # Discover how our top-rated pet insurance and award-winning service stack up to MetLife Pet Insurance. Choosing pet insurance can be overwhelming — but Embrace makes it simple. Compared to MetLife, Embrace Pet Insurance offers more flexible coverage options through broader reimbursements—including dental illness, behavioral therapy, and complementary treatments—and unique benefits like coverage that travels with you. --- --- ## Coverage That Goes Further: Embrace vs. MetLife Compare Embrace and MetLife side by side to find the right fit for your pet’s health and your wallet. | | ![Embrace Logo](//images.ctfassets.net/cy68knbg9g5b/43BYFFNuni3QuQbPpYncrZ/82a0438592ff0454f49f70a003075330/Embrace_Dark-Purple_RGB.png?q=65) | ![Logo of MetLife](//images.ctfassets.net/cy68knbg9g5b/7FbOqnKwKqA35PEy9bMjwh/c0b1694b5b2de58daaac9f3511776e74/MetLife_logo.svg.png?q=65&w=804) | | --- | --- | --- | | Type of insurance | Accident & illness (Accident-only plan available) | Accident & illness (NO Accident-only plan available) | | Annual Reimbursement options | Up to Unlimited | Up to $10,000 | | Multi-pet discount | 10% for each additional pet | None | | Behavioral issues coverage | Included in standard policy | Available with a more expensive plan | | Veterinarian admin fees** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ![x-red](//images.ctfassets.net/cy68knbg9g5b/3sHUdA04iKieaI0rgjTHuh/e38f20cb726c4d661db8f5313a65fe9d/x-red.svg?q=65) | | Window to submit claims | Full policy term + 60 days | Only 90 days total | | International emergency coverage *** | ![blue-check](//images.ctfassets.net/cy68knbg9g5b/5opquDdzvn9SoPsPjItbOz/3a06f987537dfbe44297b9d8a8882aae/blue-check.svg?q=65) | ![x-red](//images.ctfassets.net/cy68knbg9g5b/3sHUdA04iKieaI0rgjTHuh/e38f20cb726c4d661db8f5313a65fe9d/x-red.svg?q=65) | --- --- Get your free quote --- --- ![A woman and her dog](//images.ctfassets.net/cy68knbg9g5b/1PqQJFUzkWPvgcl6nYRptu/3fb6c104f15a9c4dd7e0c9973fb6a31f/img-compare-pg-section_2-min.png?q=65) # Make the Smart Switch: Why Pet Parents Are Making the Switch to Embrace #### 1. File Claims on Your Schedule—Not a Tight Deadline Embrace gives you more time and flexibility — you have your entire policy term plus 60 additional days to submit your pet’s claims. MetLife limits claim submissions to just 90 days after your claim, requiring quicker turnaround and leaving less room when life gets busy. Behavioral Coverage Included at No Extra Cost—Unlike MetLife Embrace includes behavioral coverage in our standard policy — at no additional cost — covering issues like anxiety, aggression, and compulsive behaviors. MetLife does not include this coverage in their basic plan. #### 2. Higher Reimbursement Limits With Embrace Embrace offers an unlimited annual reimbursement option, ensuring your pet gets the care they need without caps. MetLife maxes out at $10,000 annually, which may fall short for pets with chronic or severe conditions. #### 3. Lower Deductible Options With Embrace Embrace provides deductibles from $100 to up to $1,000, offering flexibility to match your budget and coverage needs. MetLife’s deductibles can climb as high as $2,500, potentially leaving you with more out-of-pocket costs before coverage kicks in. #### 4. Peace of Mind That Follows You Anywhere Embrace offers coverage for your pet when you travel, even internationally, for up to 6 consecutive months MetLife, by contrast, restricts coverage outside the U.S. #### --- --- ![An owner having a good time with her cat](//images.ctfassets.net/cy68knbg9g5b/jlGOAqsKzGXhhTnUH6K0C/89c64302d5252330180a75502228803e/fixed-aspect-ratio-spacer-variants-1-1-landscape.png?q=65) # Protect Your Pet in Seconds With Embrace — Get a Personalized Quote Both Embrace and MetLife offer pet health coverage — but Embrace goes further, with greater flexibility, exclusive member discounts, and benefits designed to give pet parents a more personalized, stress-free experience. Get your free quote today and discover why more pet parents trust Embrace to protect what matters most. --- [GET STARTED HERE](https://quote.embracepetinsurance.com/?brand=embrace&retrieve=w) --- --- ## Select another provider to compare Provider Name Select a provider AKC ASPCA Banfield Fetch Figo Healthy Paws Lemonade Many Pets MetLife Nationwide WholePet Pet Assure Petco Pumpkin Spot Trupanion Pets Best Compare providers