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Pet Insurance Comparison
MetLife vs. Pumpkin

MetLife vs. Pumpkin Pet Insurance:
The Ultimate Comparison Chart

If you're struggling to decide which pet insurance is best, we'll help you analyze top providers - instantly.

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High Level Details

MetLife Pet Insurance Logo
Pumpkin Pet Insurance Logo
Monthly Price
Varies by breed, age, location, etc >

we use the data you entered to try and figure out how much we expect this insurance policy to cost each year

Coverage Score
Analyze >

Pricing Score

Average Days To Reimburse
10 Days
7 Days

Days To Submit Claim Before Expiration
90 days
270 days after date of service

Coverage Details

Image of Veterinarians
Use any licensed veterinarian in the United States
See veterinary specialists without a referral

Image of Accidents
Treatment for accidents that your pets might encounter like foreign body ingestion, poisoning, bee stings, broken bones, sprains, wounds, etc.

Image of Illnesses
Treatment for illnesses that your pets might encounter like allergies, ear infections, hyperthyroidism, digestive problems, arthritis, heart disease, etc.

Image of Cancer
Includes coverage for cancer-related treatments like chemotherapy and radiation treatment.

Image of Breed-Specific Conditions
Breed-Specific Conditions
Knee Injury

Image of Diagnostic Tests & Treatment
Diagnostic Tests & Treatment
Intravenous (IV) Fluids and Medications
Medical Supplies (bandages, casts, and splints)
MRI Scans
CT Scans
Blood Tests

Image of Dental Care
Dental Care
Dental Coverage for Tooth Extractions
Dental Coverage for Illness-Related Cleaning

Image of Alternative Therapies
Alternative Therapies

Image of Behavioral Issues
Behavioral Issues

Image of Prescribed Foods + Medication
Prescribed Foods + Medication
Supplements prescribed or dispensed by a veterinarian to treat a covered condition.

Image of Vet Labor
Vet Labor
Costs for the veterinarian's time consulting and overseeing your pet's treatment.
Exam Fees for a Covered Occurrence

Image of Other
Poison Control Consultation Fees
Stem Cell Therapy
Breeding, Pregnancy, Whelping or Nursing
Complications from Breeding, Pregnancy, Whelping, or Nursing

Next Steps
Analyze My Pet

Which Pet Insurance Is Right For Me?

It depends on your pet’s breed, age, location, your financial standing, and the kind of coverage you need. To better understand how the chart above relates to your unique pet’s breed-specific risks, use Pawlicy Advisor to instantly analyze MetLife, Pumpkin, and other top providers. In 5 minutes or less you’ll understand which waiting times, coverage exclusions, and therapies are ideal for your pet’s breed and age.

For example, if you have a larger breed, having a policy with a long waiting period on knee injuries might not be ideal - but that same policy could be perfect for a small lap dog. Pawlicy Advisor will scan the fine print for you automatically to give you more transparency, and you’ll uncover any hidden savings.

Compare MetLife vs. Pumpkin Pet Insurance Prices

Pricing will also depend on your cat or dog’s breed, age, location - however, it’s important to not only look at what your pet insurance policy will cost today, but to understand what it will ultimately cost across the lifespan of your pet. Different policies will have different rates at which your premium may increase.

To put it simply, the policy that looks cheaper today might not be cheaper in the long run. This information is hard to find without Pawlicy Advisor.

Pawlicy Advisor's lifetime savings calculations

With Pawlicy Advisor, you get a personalized “Coverage Score” and “Lifetime Value Score” for hundreds of policy variations from top pet health insurance companies:

- Coverage Score: This score is calculated by comparing the kinds of coverage offered by this plan with other insurance offerings

- Lifetime Value Score: Insurance companies all charge a different amount to insure your dog or cat each year. We crunch the numbers to figure out how much we expect each plan to cost over your pet’s lifetime

Rest assured that all quotes you see from Pawlicy Advisor are pulled in real-time. We connect directly with our insurance partners to make sure your get the best price, with no hidden fees.

Ready to see your personalized analysis? Let's get started now.

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