Embrace vs MetLife
Broader reimbursement, included behavioral care, coverage that travels
 | MetLife |
|---|---|
Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | Up to $10,000. |
10% for each additional pet. | No discount. |
Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Only covers emergency-related dental treatments. |
Full policy term + 60 days. | 90 days total. |
Travel with your pet is covered for up to 6 consecutive months per trip. | Not covered. |
Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Deductibles can climb as high as $2,500, leaving more to pay before coverage begins. |
| Plan features |  | MetLife |
|---|---|---|
| Type of insurance | Accident & illness, with an accident-only plan available. | Accident & illness only — no accident-only plan. |
| Annual coverage limits | Six annual limits to choose from - $2,000, $5,000, $10,000, $15,000, $30,000 or unlimited. | Up to $10,000. |
| Multi-pet discount | 10% for each additional pet. | No discount. |
| Dental illness coverage | Included in all standard plans. Up to $1000 annually covered for fractured teeth, extractions, periodontal disease, standard on every accident & illness policy — no dental exam required.¹ | Only covers emergency-related dental treatments. |
| Window to submit claims | Full policy term + 60 days. | 90 days total. |
| International coverage | Travel with your pet is covered for up to 6 consecutive months per trip. | Not covered. |
| Deductible options | Choose your annual deductible - $200, $300, $500, $750, or $1,000. More flexibility to fit your budget. | Deductibles can climb as high as $2,500, leaving more to pay before coverage begins. |
| Get your quote |
With Embrace, behavioral care is standard, not a tier upgrade.
Treatments by a licensed veterinarian or eligible treatments for anxiety, aggression and compulsive behaviors are covered in the Embrace base policy at no extra cost.
With Embrace, a second pet earns a discount instead of nothing.
More pets, more savings with Embrace because multi-pet households pay less per animal, automatically.
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30-day money-back guarantee*
10% multi-pet discount**
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Where Embrace wins over MetLife
File claims on your schedule, not a tight deadline
The last thing you need to worry about is running out of time to collect vet receipts when your dog or cat is sick. Embrace gives you the full policy term plus 60 days after renewal to submit claims, allowing you plenty of time to focus on the health of your pet.
MetLife limits submissions to 90 days total, which demands a fast turnaround at exactly the moment life is least accommodating.Peace of mind that follows you anywhere
There are no geographical limits with Embrace because international travel with your pet is covered for up to six consecutive months per trip. So, wherever you and your pet go, travel easy knowing you’re fully covered.
MetLife restricts coverage outside of the U.S.Reduce your out-of-pocket burden with higher reimbursement limits
Embrace offers an unlimited annual reimbursement option, so your pet gets the care they need without a ceiling.
MetLife maxes out at $10,000 a year, which can fall well short for a pet with a chronic or severe condition.Lower deductible options to help your budget
Embrace provides deductibles from $100 up to $1,000, giving you flexibility to match budget and coverage.
MetLife's deductibles can climb as high as $2,500, leaving considerably more to pay before coverage begins.
Disclosures
Comparison information is provided using publicly available information as of Septmber 30th, 2026 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
¹ Pre-policy exam required to rule out pre-existing conditions.
* NY and WA residents receive 5%