Compare us

We've spent decades fine-tuning our offerings to give our customers competitive savings plans for a low monthly fee.

But don't just take our word for it

Compare our comprehensive programs with some of the other options available on the market today.

Dental
Carefree Dental 		Dentegra Aon Dental Solutions
Dental Savings blue-check blue-check blue-check
Prescription Drug Savings blue-check blue-cross blue-cross
Vision Savings blue-check blue-cross blue-cross
Perks (Save on shopping, hotels and more) blue-check blue-cross blue-cross
Unlimited Usage blue-check blue-check blue-check
Available dental practice locations nationwide 262,000 + locations* 28,000 + providers 50,000 + Providers
Family or individual program blue-check blue-check blue-check
Additional Enrollment Fee $0 $20 $20
Monthly cost
From 15.95/Month		 Annual only Annual only
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*as of April 2020

Carefree Dental Disclosure: This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The licensed Discount Plan Organization is Coverdell & Company, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-800-240-2973. Plan not available in Alaska, Rhode Island, Vermont and Washington. To view a listing of participating providers visit Find a Provider. You have the right to cancel this plan within 30 days after the effective date for a full refund. Such refund will be issued within 30 days of request.

 

MD
Carefree MD* 		Doctor on Demand LiveHealth Online MeMD
Video and phone appointments blue-check blue-check blue-check blue-check
Same day appointments blue-check blue-check blue-check blue-check
24/7/365 Availability blue-check blue-check blue-check blue-check
Spanish Speaking Doctors blue-check blue-check blue-check blue-check
Unlimited Appointments blue-check From $79/visit From $59/visit From $67/visit
No Time limits blue-check blue-cross blue-cross blue-cross
No Enrollment Fee blue-check blue-check blue-check blue-check
Appointment Fee $0 From $79/visit From $59/visit From $67/visit
Monthly cost
From $17.95/month		 From $79/visit From $59/visit From $67/visit
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*Disclosure: Lyric does not prescribe DEA controlled substances, lifestyle drugs, and certain other drugs which may be harmful because of their potential for abuse. Lyric does not guarantee that a prescription will be written. Lyric physicians reserve the right to deny care for potential misuse of services

Auto
Carefree Auto 		Better World Club AAA Premier
24/7 Roadside assistance* blue-check blue-check blue-check
All household vehicles included blue-check blue-check blue-check
All household drivers included blue-check blue-cross blue-cross
$1000 Repair reimbursement* blue-check blue-cross blue-cross
Routine Maintenance Savings blue-check blue-cross blue-check
Rental Car Discounts blue-check blue-check blue-check
Expert On Demand Advice blue-check blue-cross blue-cross
Tire and wheel protection blue-check blue-cross blue-cross
Perks (Save on shopping, hotels and more) blue-check blue-check blue-check
Flexible Payments (Annual and Monthly) blue-check blue-cross blue-cross
Additional Enrollment Fee $0 $15 Varies by location
Monthly cost
$19.95/mo		 Annual only Annual only
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* - A 30-day waiting period applies to the repair benefits and roadside assistance after plan activation. Other terms, conditions and exclusions apply.

Pet
Carefree Pet Plus w/ MetLife Pet Insurance1		 Nationwide: My Pet protection Healthy
Paws		 Petplan Trupanion Lemonade
Carefree Pet Plus Benefits
Pet Locator Tags blue-check blue-cross blue-cross blue-cross blue-check blue-cross
Pet Damage Warranty* blue-check blue-cross blue-cross blue-cross blue-cross blue-cross
Pet Records Management blue-check blue-check blue-cross blue-check blue-cross
Product Discounts blue-check blue-cross blue-check blue-cross blue-cross blue-cross
Medication Discounts blue-check blue-cross blue-check blue-cross blue-cross blue-cross
24/7 Virtual Vet blue-check blue-check blue-cross blue-cross blue-cross Requires wellness package add-on
Perks (Save on shopping, hotels and more) blue-check blue-check blue-cross blue-cross blue-cross blue-cross
Pet Insurance Comparison
Underwriter MetGen Nationwide Chubb AXA XL Trupanion n/a
Enrollment
Covers 2 all breeds and ages blue-check blue-check Up to 14 years old blue-check Up to 13 years old blue-check
No Initial Exam / Past Pet Notes Required blue-check blue-cross blue-cross blue-check blue-cross blue-cross
No cancellation fee blue-check blue-check blue-check blue-check blue-check blue-check
No time restrictions on starting treatment blue-check blue-cross blue-check blue-cross blue-check blue-cross
No annual care requirements to keep coverage blue-check3 blue-check blue-cross blue-cross blue-cross blue-check
No neuter/spay requirements blue-check blue-check blue-check blue-check blue-cross blue-cross
Benefits and limits
No schedule of benefits blue-check blue-check blue-check blue-check blue-check blue-check
No lifetime limit blue-check blue-check blue-check blue-check blue-check blue-check
No per-incident limit blue-check blue-check blue-check blue-check blue-check blue-check
No diagnostic test limit blue-check blue-check blue-check blue-check blue-check blue-check
No customary charge restrictions blue-check blue-cross blue-cross blue-check blue-check blue-check
Healthy pet incentive/vanishing deductible blue-check4 blue-cross blue-cross blue-cross blue-cross blue-cross
Vet direct pay blue-cross blue-cross blue-check blue-check blue-check blue-cross
Automatic annual limit increases blue-check5 blue-cross
Pre-approved claims blue-cross blue-cross blue-cross blue-check blue-check blue-cross
Core Coverage
Exam fee coverage blue-check blue-check blue-cross blue-check blue-cross Optional
Telemedicine visit coverage blue-check blue-check blue-check
Prescription blue-check blue-check blue-check blue-check blue-check blue-check
Prescription food coverage blue-check blue-check blue-cross blue-check blue-cross
Hereditary conditions blue-check 12 month blue-check blue-check blue-check blue-check
Congenital conditions blue-check blue-check blue-check blue-check blue-check blue-check
Chronic conditions blue-check blue-check blue-check blue-check blue-check blue-check
Hip dysplasia 6 month 12 month 12 month 6 month 30 days blue-check
Cruciate wait period 6 month 12 month 15 day 6 month 30 days 6 month
Bi-lateral conditions blue-check blue-check blue-check blue-check blue-check blue-check
Holistic/Alternative therapy blue-check blue-cross blue-check blue-check Rider Optional
Periodontal disease blue-check blue-check blue-cross blue-check blue-check blue-cross
Vaccinatable disease blue-check blue-cross blue-cross blue-check blue-check blue-cross
Orthopedic waiting period None 12 month 15 day 6 month 30 days blue-cross
Optional wellness coverage (preventative care) blue-check blue-check blue-cross blue-cross blue-cross Rider (Allotment)
Dermatological conditions blue-check blue-check blue-check blue-check blue-check blue-check
More than one foreign body ingestion blue-cross blue-check blue-check blue-check blue-check blue-check
Injuries caused by housemates blue-check blue-check blue-check blue-check blue-check blue-check
Aging pet ear and eye conditions blue-check blue-check blue-check blue-check blue-check blue-check
Experimental and investigational treatments blue-check blue-cross blue-cross blue-cross blue-check blue-cross
Boarding Fees while you're hospitalized (when human is hospitalized for at least 48 hours) blue-check blue-check blue-cross blue-check(96) blue-cross blue-cross
Advertising and reward benefit blue-check blue-check blue-cross blue-check blue-cross blue-cross
Loss due to theft or straying blue-check blue-check blue-cross blue-check blue-cross blue-cross
Cremation benefits blue-check blue-check blue-cross blue-cross blue-cross blue-cross
Burial benefits blue-check blue-check blue-cross blue-cross blue-cross blue-cross
Mortality benefit blue-check blue-check blue-cross blue-check blue-cross blue-cross
Species covered Dogs and cats Dogs, cats, avian and exotics Dog/Cat Dog/Cat
Wait Periods
Accident Midnight EST Following Activation 14 days after approval 15 days 5 days 5 days 2 days
Illness 14 Days 14 days after approval 15 days 15 days 30 days 14 days
Claims and Customer Experience 10-14 days 15-30 days 3-10 days 15-30 days 15-30 days
Processing time <10days5 Data not available to MetLife <99 2 days 1 day
Multi-channel support blue-check blue-check
Mobile appf for claims blue-check blue-check blue-check blue-check blue-cross blue-check
Telehealth concierge service blue-check blue-check blue-cross blue-cross
Grief counseling upon death of your pet blue-check blue-cross blue-cross blue-cross
Monthly Premium Cost
From $19.99/mo
Learn More

1 Metropolitan General Insurance Company ("MetGen") is the insurance carrier for this product. Availability across all 50 states is subject to pending regulatory approvals. MetLife Pet Insurance Solutions LLC is the policy administrator authorized by MetGen to offer and administer pet insurance policies. The entity may operate under an alternate, assumed, and/or fictitious name in certain jurisdictions as approved, including MetLife Pet Insurance Services LLC (New York and Minnesota), MetLife Pet Insurance Agency LLC (Illinois), and such other alternate assumed, or fictitious names approved by certain jurisdictions.

2 Provide all terms of the policy are met. Like most insurance policies, insurance policies issued by MetGen contain certain deductibles, co-insurance, exclusions, exceptions, reductions, limitations, and terms for keeping them in force. For costs, complete details of coverage and exclusions, and a listing of approved states, please contact MetLife Pet Insurance Solutions LLC.

3 Accident coverage and Preventative care coverage (for those who select it) begin on the effective date of your policy. Illness coverage begins 14 days later.

4 With the Healthy Pet Incentive, your pet's deductible automatically decreases by $50 each policy year that you don't receive a claim reimbursement

5 If a policy's annual limit is at least $5,000 and the policyholder has at least $1000 of unused benefits remaining at the end of the policy year, then upon renewal MetLife will automatically increase the annual limit by $500 for the renewal policy period at no additional cost. The automatic annual limit increase will not apply if changes are made to the renewed policy.

*30 day waiting period applies from membership effective date

    Carefree Dental Disclosure: This plan is NOT insurance. This is not a qualified health plan under the Affordable Care Act (ACA). This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at participating providers for services. The plan does not make payments directly to providers. The plan member is obligated to pay for all services but will receive a discount from participating providers. The range of discounts will vary depending on the type of provider and services. The licensed Discount Plan Organization is Coverdell & Company, Inc., at 2850 W. Golf Road, Rolling Meadows, IL 60008, 1-800-240-2973. Plan not available in Alaska, Rhode Island, Vermont and Washington. To view a listing of participating providers visit Find a Provider. You have the right to cancel this plan within 30 days after the effective date for a full refund. Such refund will be issued within 30 days of request.

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