Top-rated pet insurance
for cats & dogs
Introducing Fetch pet insurance
Use any Vet in the US or Canada
- Emergency visits covered
- Sick visits covered up to 90%
- Full-mouth dental coverage
- 100% comp on qualifying meds
- Plus many other options
HOW FETCH PET INSURANCE WORKS
Get paid back in 3 easy steps
1. You pay the vet
You can use any vet in the US or Canada, a specialist, or an emergency clinic. Just remember: You pay your bill at the vet’s office.
2. Submit a claim in minutes
Snap a picture of your paid invoice and supporting medical records, and submit it in an easy-to-install phone app.
3. Get reimbursed
Once your claim is approved, you’ll get paid back up to 90% within 2 days via direct deposit.
WHAT DOES FETCH PET
INSURANCE COVER
Accidents & Illnesses
- Sick-visit exam fees
- Emergency vet visits
- Dental & gum disease
- Cancer treatment
- Laboratory tests
- Surgeries
- X-Rays & CT-Scans
- Skin & Ear Infections
- Poisoning
- Hospital stays
- Broken bones
- Treatment for Aggression
- Allergies
- Vomiting and diarrhea
- Ultrasounds
- Acupuncture & Chiropratic care
- Physycal therapy
ROUTINE AND PREVENTIVE CARE
Accident and illness insurance doesn’t include routine and preventive care. Add Fetch Wellness to get money back for the wellness visits, which helps keep your pet healthy (think annual exams, vaccinations, dental cleanings, and more)
Your Fetch insurance includes all monthly taxes & fees.
When you are comparing shopping, other providers may not show these costs and look cheaper until checkout.
FETCH INSURANCE Q&As
How does pet insurance work?
Every pet insurance provider is different, but you will usually submit a claim, which can include your vet bill and your pet’s medical records, to your pet insurance provider.
You will typically be paid back if the treatment your dog or cat received is covered under your plan.
What does pet insurance cover?
Pet insurance coverage varies by provider, but Fetch offers the most comprehensive coverage in the U.S. and Canada. Fetch covers what most other providers don’t or charge extra for.
What are the different types of pet insurance?
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.
Is pet insurance worth it?
If you are 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 will 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 are enrolled and the waiting period has passed.
Does pet insurance cover pre-existing conditions?
Like other pet insurance providers, Fetch doesn’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 period. 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.
What is a waiting period in pet insurance?
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. Fetch will email you as soon as your coverage starts.
At what age should I get pet insurance for my pet?
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.
Do all vets take pet insurance?
All vets are in Fetch 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, with no copay required.
Disclosure: Hessford Insurance provides access to pet insurance options. Coverage is offered by Fetch Pet Insurance and is subject to their terms. Hessford Insurance is an independent insurance agency and may provide general information about Fetch pet insurance and refer visitors to Fetch or a Fetch-approved quote platform. Pet insurance products are not issued, underwritten, administered, adjusted, or guaranteed by Hessford Insurance. Coverage, pricing, eligibility, discounts, waiting periods, exclusions, claims, and reimbursement decisions are determined by Fetch, the applicable insurer, and the final policy documents. Information on this page is for general informational and marketing purposes only and does not guarantee coverage, pricing, claim payment, or policy approval. If there is any conflict between this website and the policy documents, the policy documents control. Hessford Insurance may receive compensation if coverage is purchased through a referral or link on this page.