See Why 59% of Pet Parents Surveyed Switched From MetLife to Embrace 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.
Compare Embrace and MetLife side by side to find the right fit for your pet’s health and your wallet.
 |  | |
|---|---|---|
| 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** |  |  |
| Window to submit claims | Full policy term + 60 days | Only 90 days total |
| International emergency coverage *** | | |
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.
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.
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.
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.
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.
*Data and customer testimonials based on Q1 2025 Embrace Pet Insurance survey polling Embrace policyholders who previously had pet insurance with a different carrier.
**Veterinary administrative fees may include charges such as house call fees (only reimbursable if the visit is related to an illness; wellness-related house calls are not covered), credit card processing fees, and shipping fees for lab work. These fees are considered part of the veterinary provider’s billing practices and may vary by clinic.
*** Embrace offers coverage for your pet when you travel, even internationally, for up to 6 consecutive months
Comparison information is provided using publicly available information as of 09/02/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. The descriptions of other providers’ plans were not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. Although we attempt to keep information up to date, it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing compliance@embracepetinsurance.com.
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