Fetch vs MetLife pet insurance
Short answer
MetLife scores higher overall (9.3 vs 9.1), but the right pick depends on what matters to you.
Excellent
How we score
Excellent
How we scoreHead to head
Accident cover starts
Tie
Both: from day one
Illness cover starts
MetLife wins
MetLife: illness cover starts sooner (14 days vs 15 days)
Knee & hip rule
MetLife wins
Fetch can exclude knee & hip problems for life
Cured conditions
Fetch wins
MetLife has no clause to cover them later
Dental
Fetch wins
Fetch names dental illness more clearly
How widely used
MetLife wins
MetLife is more widely used, with far more customer reviews
Customer ratings
MetLife wins
MetLife is rated higher by its customers on public review sites
Side by side
Accident waiting period
None for accidents from an unexpected event; injuries from 'normal activity' fall under the 15-day wait
Policy, p. 6Knee & hip (orthopedic) wait
180 days, lifetime exclusion if the condition occurs in that window (knee exception with vet exam; accidents exempt)
Policy, p. 11Pre-existing conditions
Excluded. Curable conditions seen in the 365 days before enrollment or during the wait: 365-day exclusion, then coverable with an annual vet exam; if it recurs, a second 365-day period; recurrence in the second period = excluded for life. The policy's wording is unclear on the second year; check with Fetch.
Policy, p. 10Excluded. The 2021 sample policy we read has no cured-condition clause; MetLife's website says curable conditions are typically covered.
Policy, p. 7Dental illness
Covered as illness unless clinical signs appeared before enrollment or during the waiting period; preventive cleanings excluded
Policy, p. 11Dental disease is not named as its own benefit; covered under general illness. The sample lists 'emergency dental Treatment' only as an example and has no dental exclusion or sub-limit
Policy, p. 4Annual limit options
Deductible
Annual (once per policy period); reduces by $50 per claim-free year down to $0
Policy, p. 6Maximum enrollment age
Choose Fetch if…
- ✓ MetLife has no clause to cover them later
- ✓ Fetch names dental illness more clearly
Choose MetLife if…
- ✓ MetLife: illness cover starts sooner (14 days vs 15 days)
- ✓ Fetch can exclude knee & hip problems for life
- ✓ MetLife is more widely used, with far more customer reviews
- ✓ MetLife is rated higher by its customers on public review sites
Common questions
Is Fetch better than MetLife?+
MetLife scores higher overall (9.3 vs 9.1), but the right pick depends on what matters to you. Fetch is stronger on cured conditions, dental; MetLife on illness cover starts, knee & hip rule, how widely used, customer ratings.
Fetch vs MetLife: accident cover starts?+
Both: from day one.
Fetch vs MetLife: illness cover starts?+
MetLife: illness cover starts sooner (14 days vs 15 days).
Fetch vs MetLife: knee & hip rule?+
Fetch can exclude knee & hip problems for life.
Fetch vs MetLife: cured conditions?+
MetLife has no clause to cover them later.
Fetch vs MetLife: dental?+
Fetch names dental illness more clearly.
Fetch vs MetLife: how widely used?+
MetLife is more widely used, with far more customer reviews.
Fetch vs MetLife: customer ratings?+
MetLife is rated higher by its customers on public review sites.
More comparisons
Based on sample policy documents retrieved 2026-11-09. Terms vary by state. Not insurance advice.