pet insurance for dogs & cats
More coverage. More money back. More peace of mind.
Covers up to 90% of unexpected vet bills
100% reimbursement on qualifying pet meds†
Save over $1,500 on pet health products
Use any vet in the U.S. or Canada


Top-rated on

“Saved us thousands, and enables us to take the very best care of our dogs.”

Travis W., Fetch Member
What does pet insurance cover?
Fetch provides the most complete coverage for your pet and more money back for you
You're protecting your pets (and your wallet) with unmatched coverage for accident & illness.
Accident & Illness coverage
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
Bite wounds
Name-brand prescription medications
Cuts & scratches
Motor vehicle accidents
Arthritis
Cherry eye
Broken teeth
Treatment for aggression & separation anxiety
Allergies
Vomiting & diarrhea
Ultrasounds
Acupuncture & chiropractic care
Physical therapy
Fetch covers what other providers charge extra for or don't cover at all

Exam fees covered
We cover the exam fee for sick visits, which can save you around $50 - $250.

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.

COMPARE PET INSURANCE coverage
Not all pet insurance is created equal
If low prices look too good to be true, they probably are. When you see what others don’t cover, you’ll see why Fetch is the best value.
Coverage | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() | ![]() |
---|---|---|---|---|---|---|---|
$1,000/yr. in online vet visits $0 copay! $0 deductible! | |||||||
$1,000/yr. in behavioral therapy $0 copay! $0 deductible! | |||||||
Online pharmacy 100% reimbursement† | |||||||
Every tooth, plus gums up to your max limit | Less coverage than Fetch | Less coverage than Fetch | |||||
Sick-visit exam fees | Costs extra | Costs extra | Costs extra | ||||
Covers pets of every age 6 weeks+ | |||||||
Alternative & holistic care | Costs extra | Costs extra | Costs extra | ||||
Use any vet in the U.S. & Canada | |||||||
Vitamins & supplements | Costs extra | ||||||
Discounts on pet products & services included in your policy benefits* |
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. *Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. All coverage is subject to policy limit. This comparison is based on core policy coverage and the information is accurate as of January 2025. Comparison of online pharmacy and discounts on pet products & services based on each provider's website as of April 2025.
how PET INSURANCE works
Fetch pays back more for dogs & cats
Fetch provides the most complete coverage for dogs and cats — so you’ll never have to sacrifice your pet’s health because of expensive vet bills. Check out more about how pet insurance plans work.

Fetch Dog Insurance offers unmatched coverage for all breeds — including hereditary conditions and dental coverage for every tooth plus gums.

The average emergency veterinary visit for cats costs between $800-$1,500. Fetch Cat Insurance pays back up to 90% — giving you more peace of mind.
Getting paid back is as easy as 1, 2, 3
You pay the vet
Like other pet insurance providers, pet parents pay their vet bills in full.
Submit a claim
Just take a picture of your invoice and vet documents, answer a few questions and submit your claim in a matter of minutes.
We pay you back fast
Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.
FETCH PET INSURANCE REVIEWS
Thousands of 5-star reviews on Trustpilot
MORE THAN PET INSURANCE
Saving on vet bills is just the beginning
As a Fetch customer, you’ll have access to exclusive programs built to help keep your pet happy and healthy — and save you thousands of dollars a year in the process.

Fetch Pet Rx
Get 100% reimbursement on pet meds included at no extra cost
With Fetch, you can order your pet’s medications from our online pharmacy, Fetch Pet Rx, and we’ll reimburse 100% of your out-of-pocket expenses.
Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx.

Fetch Health Perks
NEW
Unlock over $1,500 in savings on pet health + wellness products instantly
Access exclusive discounts on everyday pet food, grooming, products and more — included as a policy benefit at no extra cost when you enroll.

Fetch Online Vet powered by Vetster
Get $1,000 in online vet visits every year for expert vet advice 24/7
Get help when your primary vet is out of reach, avoid unnecessary emergency visits and get expert help fast with our online vet partner, Vetster — no copay or deductible up to your sublimit and included at no extra charge.
PET INSURANCE FAQS
Things to consider when comparison shopping
How does pet insurance work?
What does pet insurance cover?
What are the different types of pet insurance?
Is pet insurance worth it?
Does pet insurance cover pre-existing conditions?
What is a waiting period in pet insurance?
At what age should I get pet insurance for my pet?
Do all vets take pet insurance?
At Fetch, we understand how special your pet is to you (and vice-versa). That’s why we built a plan that covers more of the care your pet needs. Having more coverage means you’ll never have to choose between a vet bill and your pet’s health — so they can have a longer, happier life, and you can both have more good days together.

