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In a word, yes. Fetch is the most complete pet insurance throughout the U.S. and Canada. This means that Fetch covers what others don’t. If you have a younger pet, Fetch gives you the best pet insurance at the best price for puppies and kittens. If you're adopting, Fetch is the #1 pet insurance for shelter and rescue pets. 



Every 6 seconds a pet parent gets a vet bill for more than $1,000, so it pays to have the financial safety net of Fetch. Help your pet live a longer, healthier life.

Find the average cost of insuring a dog or a cat with Fetch on the pet insurance by state pages. Then, get a free pet insurance quote to see your pet’s price. The cost of Fetch is based on 3 key factors: your pet’s age, their breed and where you live. Here’s how each one plays a role:



Age: Puppies and kittens cost less to insure with Fetch than older dogs and cats. Other insurers charge more than Fetch for younger pets, even though younger pets usually have less veterinary expenses.



Breed: Specific breeds are prone to certain conditions, making them more costly to insure, on average. Since Bulldogs are susceptible to breathing problems, for example, their monthly price is more than other breeds. 



Where you live: This plays a role in determining your cost because the price of veterinary care changes based on zip code.

A waiting period is a set amount of time before your pet's veterinarian expenses are eligible for reimbursement by pet insurance. With Fetch, there’s a waiting period of up to 15 days before illness coverage begins. Any illness that occurs during this waiting period will not be covered. There is no waiting period for accident coverage and, if added, Wellness coverage. Unlike other insurers, Fetch does not have a waiting period for pets adopted from participating shelters.

We don’t offer a free trial, but you can cancel risk-free for up to 30 days after enrolling in dog insurance or cat insurance.