Head-to-Head Comparison
Pets Best vs. MetLife
Vet-founded value pricing vs. Fortune 100 zero-day coverage
Our Verdict
Pets Best wins on raw price and offers the lowest deductible in the industry at $50. MetLife wins on accident waiting period, financial backing, and the Family Plan structure for multi-pet households.
Which One Is Right For You?
Real-world scenarios where Pets Best or MetLife comes out ahead, based on the categories where each wins.
If…
You're on a tight budget with a young, healthy pet and want the lowest possible monthly premium
Choose
Pets Best— base premiums and the $50 deductible option deliver the lowest total annual cost for most single-pet households
If…
You just adopted a new puppy or kitten and want accident coverage to start as fast as possible
Choose
MetLife— the zero-day accident waiting period covers emergencies from the moment the policy is effective
If…
You're insuring two or more pets and want to avoid stacking separate deductibles each year
Choose
MetLife— the Family Plan bundles up to three pets under one shared annual deductible
If…
You file frequent small claims and want to recover quickly past your deductible
Choose
Pets Best— the $50 deductible option means coverage kicks in after just one routine visit
If…
You want a Fortune 100 underwriter for long-term renewal stability
Choose
MetLife— the $700B+ MetLife balance sheet provides among the strongest financial backing in pet insurance
Frequently Asked Questions
Real answers comparing Pets Best and MetLife on the questions buyers actually ask.
Pets Best
4/5
Best value with low deductible options
MetLife
4.2/5
Family plans and zero-day accident coverage
Category-by-Category Breakdown
Accident Waiting Period
Pets Best
3 days
MetLife
None (midnight ET day one)
MetLife is the only major carrier with zero-day accident coverage; Pets Best is still industry-fast at 3 days.
Lowest Deductible
Pets Best
$50
MetLife
$0
MetLife technically allows a $0 deductible, though Pets Best's $50 is among the lowest in the industry at competitive premiums.
Multi-Pet Discount
Pets Best
None
MetLife
5% Family Plan + shared deductible
Pets Best does not offer any multi-pet discount; MetLife adds a 5% discount plus a single shared deductible.
Monthly Premiums
Pets Best
$18–$65
MetLife
$15–$80
Pets Best's premiums tend to run lower at comparable coverage tiers, especially at higher deductibles.
Coverage Limits
Pets Best
$5K–Unlimited annual
MetLife
$500–$25K annual (unlimited by phone)
Pets Best's unlimited tier is offered in the standard online quote; MetLife requires a phone call.
Diminishing Deductible
Pets Best
Not offered
MetLife
$50/year claim-free reduction
MetLife reduces your annual deductible by $50 each claim-free year; Pets Best has no equivalent feature.
Financial Backing
Pets Best
APIC (A AM Best)
MetLife
MetLife (A+ AM Best, $700B+ assets)
MetLife's Fortune 100 balance sheet provides stronger long-term claims-paying confidence.
Expert Take
Mike
Licensed Insurance Professional (AAI, PRC, SBCS, CCIC)
This is a closer comparison than it looks on paper. Pets Best is the value play I recommend most often — vet-founded, $50 deductible option (lowest in the industry), unlimited coverage tier, and a 3-day accident waiting period that beats almost everyone except Figo and MetLife. But MetLife's zero-day accident wait is a category killer for new pet owners.
The math gets interesting on multi-pet households: Pets Best does not offer any multi-pet discount, while MetLife's Family Plan saves 5% and bundles up to three pets under one shared deductible. For a two-pet household, MetLife's effective annual savings on deductibles alone often exceeds the premium difference. Where Pets Best clearly wins is the deductible flexibility.
The $50 option is unique in the market, and combined with their lower base premiums, you can build a Pets Best policy that costs $20–$30 less per month than a comparable MetLife plan. For single-pet, budget-focused buyers, Pets Best is the better deal. For multi-pet households or new puppy owners, MetLife's structural advantages outweigh the price gap.
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