Pet insurance for dogs & cats

Every pet insurance provider is different, but you'll usually submit a claim (this can include your vet bill and your pet's medical records) to your pet insurance provider, and you’ll typically be paid back if the treatment your dog or cat received is covered under your plan.

Pet insurance coverage varies by provider, but Fetch has the most complete pet insurance coverage in the U.S. and Canada. Fetch covers what most other providers don’t or charge extra for — see a side-by-side comparison of how Fetch stacks up.

Fetch provides the most complete accident and illness pet insurance coverage with the option to add on a plan for Wellness. Accident and illness pet insurance covers your dog or cat when they get unexpectedly sick or hurt. For example, an emergency vet visit for vomiting or a broken tooth is covered under accident and illness coverage.

If you’re looking for potential savings on future vet trips, the answer is yes. Pet insurance helps make vet bills more affordable, and you can rest easy knowing you’ll be covered if your pup or cat unexpectedly gets sick or hurt down the road. But if you’re at the vet with a sick pet right now, bear in mind that your current visit won’t be covered. Your pet will be covered for approved claims once they’re enrolled and the waiting period has passed.

Like other pet insurance providers, we don’t cover pre-existing conditions. A pre-existing condition is an injury or illness that occurred or your pet showed clinical signs of before you enrolled in pet insurance, during the waiting period or before your pet’s first exam. To maximize your pet's coverage, enroll them in pet insurance as early as possible. This way, conditions they develop later on won't be considered pre-existing (and therefore excluded from coverage).

The waiting period is a set period between enrollment and when coverage kicks in. The waiting period for accident and illness coverage with Fetch is up to 15 days. We’ll email you as soon as your coverage starts.

Fetch recommends signing up your kitten or puppy so that future illnesses or injuries can be covered. Fetch Pet Insurance covers dogs and cats 6 weeks and older, but to make sure your pet gets as much pet insurance coverage as possible, it's best to sign up before they need it.

All vets are in our network — you can use any veterinarian in the U.S. or Canada (including specialists and emergency clinics). We also cover remote telehealth treatment, so you can call, text, email or video chat with a vet to get the support you need. Online vet visits are covered up to $1,000 per year — included at no extra cost — no copay required.