MetLife vs. Fetch Pet Insurance — which covers more?
Is Fetch or MetLife the better pet insurance?
Fetch is better because it has the most complete coverage, including what MetLife charges extra for or doesn’t cover at all. Here are a few examples:
MetLife doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
MetLife doesn’t have coverage in Canada. Fetch does.
MetLife doesn’t reimburse 100% for behavioral therapy. Fetch does.
Fetch covers what MetLife charges extra for or doesn’t cover at all
Fetch includes what MetLife doesn’t — like 100% reimbursement on 7 types of coverage, vitamins and supplements covered at no extra cost, plus the freedom to use any vet in the U.S. and Canada (there are no networks with Fetch).
 |  | |
|---|---|---|
Online pharmacy. 100% reimbursement† |  | |
Use any vet in the U.S. & Canada | | |
$1,000/yr. in online vet visits | | |
$1,000/yr. in behavioral therapy | | |
Vitamins & supplements | | Costs extra |
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. Comparison of online pharmacy is based on each provider's website as of Dec. 2025. Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Coverage gap breakdown: See how Fetch covers more than MetLife
Fetch pays back 100% on pet meds with Fetch Pet Rx†
With Fetch, you'll get 100% reimbursement on hundreds of qualifying pet medications when you order through our online pharmacy, Fetch Pet Rx.
MetLife doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds — with $0 copay — when you use Fetch Pet Rx.
Nearly 75%
of pet parents report that prescription costs are a burden.
Fetch covers pets in the U.S. & Canada
With Fetch, you can use any vet in the U.S. or Canada.
MetLife does not have coverage outside of the U.S., so if you live in Canada (or are traveling there), your pet will not be covered.
Theo & Brynna
Chipped tooth and Giardia costs:
$3,793
Fetch paid back:
$2,527
Fetch reimburses 100% for online vet visits with no copay
Fetch includes 24/7 remote telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year — no copay, no deductible, no additional costs.
MetLife covers online vet visits, but doesn’t reimburse 100% for this coverage — you’re still responsible for the copay and deductible costs.
Fetch covers 100% reimbursement for behavioral therapy at no extra cost
Fetch covers consultations with a vet to diagnose and treat behavioral disorders, up to $1,000, per year — no copay, no deductible, no extra cost.
MetLife charges extra for behavioral therapy coverage. Plus, you're responsible for the copay and deductible costs.
Coverage for vitamins & supplements is included with Fetch
Fetch covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
With MetLife, you have to pay extra for an add-on to cover vitamins and supplements.
Vitamins like B12 are often needed to manage chronic gastrointestinal illness in dogs and cats.
Fetch reimburses 100% for these 7 coverages. MetLife does not.
While Fetch and MetLife both offer plans with a 90% reimbursement rate, there are 7 areas where Fetch will pay back 100% of the cost of approved claims — with no copay and no deductible. This coverage is included for every Fetch Member at no extra cost. MetLife doesn’t offer this.
7 areas with 100% reimbursement — covered $1,000/yr. each with Fetch
Behavioral therapy
Fetch gives 100% of the cost to diagnose and treat behavioral disorders with a vet back to you.
Boarding
Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.
Online vet visits
24/7 access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch.
Find a lost pet
Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.
Stolen or stray pet
In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.
Canceled vacation
If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.
Passing of a pet
In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.
Learn more about all 100% reimbursement coverages
How pet insurance claims work: It’s easy to get reimbursed with Fetch
Both Fetch and MetLife use a reimbursement model for your pet insurance claims. This means you pay the full vet bill and the provider pays you back for covered care after you’ve submitted a claim. It’s easy to get paid back with Fetch — here’s how it works.
1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
Fetch & MetLife both offer Wellness coverage as an optional add-on
Fetch and MetLife both offer routine care coverage. When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy (think: annual exams, vaccinations, dental cleanings and more). With coverage for both unexpected vet visits and preventive care, you’ll have the total package for your pet’s happiest, healthiest life.
Thousands of 5-star reviews on Trustpilot
Rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents.
Questions about how Fetch compares to MetLife, answered
Is Fetch or MetLife pet insurance better for dogs?
What pre-existing conditions does Fetch cover that MetLife excludes?
Does MetLife or Fetch pet insurance offer an unlimited annual limit?
How do Fetch and MetLife pet insurance claims compare?
Can I use any vet with Fetch and MetLife pet insurance?
How does Fetch Pet Insurance compare to MetLife for cats?
Does Fetch Pet Insurance cover behavioral therapy that MetLife charges extra for?
