Head-to-Head
ASPCA vs MetLife
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Coverage comparison
| Feature | ASPCA | MetLife |
|---|---|---|
| Hereditary | ✓ Yes | ✓ Yes |
| Congenital | ✓ Yes | ✓ Yes |
| Bilateral | ✓ Yes | ✓ Yes |
| Dental | ✓ Yes | ✓ Yes |
| Behavioral | ✓ Yes | ✓ Yes |
| Prescription | ✓ Yes | ✓ Yes |
| Alternative Therapies | ✓ Yes | ✓ Yes |
| Exam Fees | ✓ Yes | ✗ No |
Pricing comparison
| Dog type | ASPCA | MetLife |
|---|---|---|
| Small (young) | $25–$50/mo | $25–$55/mo |
| Medium (young) | $35–$65/mo | $35–$72/mo |
| Large (young) | $45–$85/mo | $45–$95/mo |
| Brachycephalic | $50–$95/mo | $52–$110/mo |
| Large (senior) | $60–$120/mo | $65–$135/mo |
Plan flexibility
| Option | ASPCA | MetLife |
|---|---|---|
| Deductibles | $100, $250, $500 | $50, $100, $250, $500, $1000 |
| Reimbursement | 70%, 80%, 90% | 70%, 80%, 90%, 100% |
| Annual limits | $5000, $10000, Unlimited | $5000, $10000, $15000, Unlimited |
Waiting periods
| Type | ASPCA | MetLife |
|---|---|---|
| Accidents | 14 days | 14 days |
| Illness | 14 days | 14 days |
| Orthopedic | None | 6mo |
Strengths & weaknesses
ASPCA
✓ Optional preventive care wellness plan
✓ Behavioral coverage included
✓ No upper age limit for enrollment
✓ Comprehensive coverage including dental illness
✓ Backed by trusted ASPCA brand
✗ 14-day accident waiting period
✗ 6-month cruciate ligament wait
✗ Underwritten by Crum & Forster not ASPCA directly
✗ Wellness add-on costs extra
MetLife
✓ Industry-leading multi-pet discount up to 25%
✓ 100% reimbursement option available
✓ Wide range of deductible choices
✓ No upper age limit for enrollment
✓ Backed by major financial brand
✗ 6-month cruciate ligament wait
✗ Exam fees not covered
✗ Relatively new to pet insurance market
✗ 14-day accident waiting period
Frequently asked questions
Which is better, ASPCA or MetLife?
MetLife has a higher overall rating. ASPCA scores 4.2/5 while MetLife scores 4.3/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does ASPCA cost vs MetLife?
For a medium-sized young dog, ASPCA costs $35–$65/month while MetLife costs $35–$72/month. ASPCA is generally more affordable.
Which has better coverage, ASPCA or MetLife?
Both providers cover core accident and illness expenses. ASPCA processes claims in 10 days on average, while MetLife takes 7 days. Review the coverage table above for detailed feature-by-feature differences.
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