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MetLife Pet Insurance was established in 2004 following MetLife’s acquisition of PetFirst. Backed by the resources of a global insurance provider, the brand offers pet insurance coverage for dogs, cats, and some exotic pets across the U.S. Plans are customizable, with options for different deductibles, reimbursement levels, and annual limits. Key features include a fast claims process, 24/7 telehealth access, and family plans that let you insure multiple pets under one policy. With its broad reach and flexible options, MetLife brings mainstream insurance experience into the pet care space.

Embrace Pet Insurance was founded in 2003 and sold its first policy in 2006. Based in Ohio, the company offers pet health insurance for dogs and cats across the U.S., focusing on customizable accident and illness plans. Over the years, Embrace has introduced features like a mobile app, a customer portal, and its own Healthy Pet Deductible® that lowers your deductible each year you don’t file a claim. In 2019, the brand was acquired by NSM Insurance Group and later became part of JAB Holding’s broader pet care portfolio. Embrace is known for its flexible coverage, wellness add-ons, and a customer-first approach.