Head-to-Head
Fetch by The Dodo vs MetLife
Side-by-side comparison of coverage, pricing, waiting periods, and overall value.
Fetch by The Dodo
Rating 4/5
Claim speed 12d
Medium dog $32–$68/mo
Founded 2003
Coverage comparison
| Feature | Fetch by The Dodo | 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 | ✗ No | ✗ No |
Pricing comparison
| Dog type | Fetch by The Dodo | MetLife |
|---|---|---|
| Small (young) | $25–$52/mo | $25–$55/mo |
| Medium (young) | $32–$68/mo | $35–$72/mo |
| Large (young) | $42–$88/mo | $45–$95/mo |
| Brachycephalic | $50–$100/mo | $52–$110/mo |
| Large (senior) | $62–$128/mo | $65–$135/mo |
Plan flexibility
| Option | Fetch by The Dodo | MetLife |
|---|---|---|
| Deductibles | $300, $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 | Fetch by The Dodo | MetLife |
|---|---|---|
| Accidents | 15 days | 14 days |
| Illness | 15 days | 14 days |
| Orthopedic | 6mo | 6mo |
Strengths & weaknesses
Fetch by The Dodo
✓ Covers dental illness and disease
✓ Long track record since 2003 (formerly Petplan)
✓ Covers alternative therapies
✓ One plan covers accidents and illness comprehensively
✓ The Dodo brand partnership
✗ 15-day waiting period for both accidents and illness
✗ Only $300 and $500 deductible options
✗ 6-month orthopedic waiting period
✗ No exam fee coverage
✗ Higher minimum deductible than competitors
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, Fetch by The Dodo or MetLife?
MetLife has a higher overall rating. Fetch by The Dodo scores 4/5 while MetLife scores 4.3/5. The best choice depends on your dog's breed, age, and your coverage priorities.
How much does Fetch by The Dodo cost vs MetLife?
For a medium-sized young dog, Fetch by The Dodo costs $32–$68/month while MetLife costs $35–$72/month. Fetch by The Dodo is generally more affordable.
Which has better coverage, Fetch by The Dodo or MetLife?
Both providers cover core accident and illness expenses. Fetch by The Dodo processes claims in 12 days on average, while MetLife takes 7 days. Review the coverage table above for detailed feature-by-feature differences.
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