MetLife vs Spot pet insurance

0 days

14 days (Spot says some states get a shorter accident wait)

14 days

14 days

No separate orthopedic waiting period

14 days (ligament and knee conditions; no separate longer period)

Excluded. The 2021 sample policy we read has no cured-condition clause; MetLife's website says curable conditions are typically covered.

Excluded. Curable conditions free of treatment and symptoms for 180 days become a new occurrence (not chronic or ligament/knee).

Dental 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

Dental disease is not named in the policy; covered under general illness. Tooth extractions are listed; cleanings excluded unless treating a covered illness (Gold/Platinum preventive add-ons pay toward cleanings); aesthetic, endodontic and orthodontic work and root planing excluded.

$500-$25,000 or unlimited

$2,500 / $3,000 / $4,000 / $5,000 / $7,000 / $10,000 / unlimited

Annual (once per policy period); reduces by $50 per claim-free year down to $0

Annual. Options not in policy.

No upper age limit

No upper age limit