Pet insurance that covers more
Use any veterinarian in the U.S. or Canada
Rated 'Excellent' on Trustpilot
Covers up to 90% of unexpected vet bills
See what the experts are saying
“Our pick for comprehensive coverage”
“One straightforward but very comprehensive plan”
“We like its low prices”
“Standout feature is its coverage for dental & alternative therapies”
“The most comprehensive pet insurance”
What does Fetch Pet Insurance cover?
Fetch Pet Insurance provides the most comprehensive coverage out there. That means we cover what others charge extra for or don’t cover at all. Take sick visits, for example. Unlike other providers, we cover the complete sick visit — exam fee included (that’s $50 - $250 in savings for each of your pet’s visits).
Accidents
If your pet gets injured, Fetch has their back — and yours, too.
Broken bones
Hospital stays
Online vet visits
Bite wounds
Poisoning
Motor vehicle accidents
Cuts & scratches
Swallowed objects
Broken teeth
Emergency vet visits
And more!
Illnesses
If your pet gets sick, Fetch helps get them back on their paws.
Sick visits
Allergies
Breed-specific issues
Periodontal & gum disease
Arthritis
Cancer treatment
Skin & ear infections
Vomiting & diarrhea
Cherry eye
And more!
Diagnostics & treatments
From diagnosis to recovery, Fetch is with you and your pet every step of the way.
X-Rays & CT Scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture &
chiropractic care
Treatment for aggression
& separation anxiety
Prescription medications
And more!
Wellness
Supporting your pet’s health just got more affordable with this optional add-on.
Annual exam
Vaccinations
Dental cleaning
Heartworm, flea & tick prevention
Routine & preventative coverage
Spaying or neutering
Fecal tests
Blood & urine tests
And more!
How does pet insurance work for dogs and cats?
Pet parenting is expensive; pet insurance helps make it more affordable by paying you back for covered veterinary treatments. When you protect your dog or cat with Fetch, you’re giving them unmatched coverage for unexpected injuries and illnesses. Check out more about how pet insurance plans work.
Dog insurance
Pups are unpredictable. That’s why Fetch dog insurance has unmatched coverage if the unexpected happens. Here are a few of the conditions Fetch dog parents file claims for:
Upset stomach
Joint pain
Skin issues
Cat insurance
With Fetch cat insurance, you’re protecting both your kitten and your wallet with the most comprehensive coverage for the unexpected. Some conditions Fetch cat parents file claims for include:
Allergies
Skin issues
Limping
Our plan includes what other providers charge extra for or don’t cover at all
Complete sick visits covered
Exam fees are included, which saves you around $50-$250 per sick visit.
Every tooth covered
We cover injury and disease in every adult tooth — not just the canines.
Breed-specific issues covered
Not all providers cover hereditary conditions linked to breed. We do.
Not all pet insurance is created equal
Take a closer look at how Fetch stacks up when compared to other pet insurance providers.
Coverage
Fetch
Embrace
Trupanion
Lemonade
Nationwide
Every tooth, plus gums
Sick-visit exam fees
Online vet visits
Use any vet in the U.S. & Canada
Alternative & holistic care
Behavioral therapy
Covers pets of every age 6 weeks+
Supplements
This comparison is based on core policy coverage and the information is accurate as of October 2024.
Fetch Wellness is add-on coverage.
Get paid back fast
Open the app
To submit a claim, open the Fetch Pet Insurance app or log in to your online account. Go to Claims, select Submit a Claim and we’ll walk you through it, easy-peasy.
Set up direct deposit
If you haven’t already, set up direct deposit as your preferred reimbursement method in your Account, and get paid back in as little as 2 days. Paper checks take 5 - 10 days longer.
Get reimbursed
You can track your claim’s status in our app or look out for email updates. You’ll get paid back straight to your bank account for approved claims with direct deposit.
Pet insurance makes vet care more affordable
1 out of 3 pets need emergency veterinary treatment each year — and those bills add up fast. That’s why Fetch covers up to 90% of unexpected vet bills — unmatched dental coverage included.
Sir Lancelot
Condition: Heat stroke
Veterinary bills: $11,730
Paid back by Fetch: $9,084
“It looked like I could lose him, and that would break my heart. I took on the responsibility to care for him. And that’s what I was thinking as he was fighting for his life. I was so happy I had Fetch. It made such a big difference.”
— Teresa,
Sir Lancelot’s mom
Brindi
Condition: Anaphylaxis due to bee sting
Veterinary bills: $2,357
Paid back by Fetch: $1,984
“She had a really bad day, but the whole time, I felt confident knowing most of it was going to be covered by Fetch. I had a safety net, so I could focus on my dog, not the bill.”
— Amanda,
Brindi’s mom
Rumple
Condition: Multiple tooth extraction surgery
Veterinary bills: $4,164
Paid back by Fetch: $3,748
“I didn't realize how expensive it could be if something went wrong. With Fetch, we don't have to worry. We have insurance for ourselves, and it makes a hundred percent sense to have insurance for our cats because they’re family.”
— Melissa,
Rumple’s mom
See why we’re rated ‘Excellent’ on Trustpilot
Fetch provides the most comprehensive coverage at the best price for your pet.
We cover what other providers charge extra for or don’t cover at all
Trusted to protect over 450,000 pets (and counting)
7,000+ five-star ratings on our app
Made for more™
We’re a community of pet parents who understand you because we are you. We give up our favorite spot on the couch because it’s also our dogs’ favorite. We open the blinds just so our cats can sunbathe in the living room. And our hearts melt just a little bit every time a small chin rests on our knee at the end of the day. Sound like you?
Sign up nowYour pet insurance questions – answered!
Does pet insurance only cover cats and dogs?
Fetch provides pet insurance coverage for dogs, puppies, cats and kittens. We do not cover birds, bunnies, lizards and other exotic pets.
Can I use any vet with pet insurance?
Yes! With Fetch, you can see any vet in the U.S. or Canada.
At what age should I get pet insurance for my dog or cat?
How do pre-existing conditions work with pet insurance?
A pre-existing condition is any injury, illness or condition that you or your veterinarian notice your pet has (or shows signs of) either before you enroll with Fetch, before your policy’s effective date or during the waiting period of up to 15 days. Fetch offers the most comprehensive coverage in the U.S. and Canada for new injuries and illnesses, but like other providers, we don’t cover pre-existing conditions.
Should I add Wellness to my Fetch Pet Insurance plan?
Adding a Fetch Wellness plan to your Fetch injury and illness insurance will help you save on routine and preventive coverage (think: vaccinations and annual exams). That way, you can help prevent health issues before they start. Plus, there's no deductible for wellness — enroll today.