Comparing MetLife Pet Insurance and Geico pet insurance is like comparing two completely different choices. But before we delve into the details, it's crucial to understand that Geico doesn't directly provide pet insurance; instead, it uses a white-labeling approach. This means another company actually provides the insurance, and Geico is simply affiliated with them. When something is affiliated, it doesn't belong to the company; the company is merely a seller or a mediator, supporting the actual provider. You might have heard of Embrace; it's their pet insurance that you're getting through Geico, using their coupons and discounts.
On the other hand, MetLife is a direct pet insurance company; it's not a white-labeling service or a mediator. You might have heard of PetFirst; it was an older company that MetLife acquired. This is the first and most significant difference: the distinction between a third-party provider and a direct insurer is crucial, especially when choosing pet insurance.
MetLife's biggest advantage is its shared deductible feature. If you have more than one pet, you only have to pay one deductible for all your pets when paying vet bills; the insurance company will handle the rest. In contrast, with Geico, you are required to pay a separate deductible for each individual pet.
There are many more comparisons between MetLife Pet Insurance and Geico, including employee benefits or bundle deals, price differences, and dental coverage, all of which can help you make a more informed decision.