Fetch by The Dodo logoThe Fetch by The Dodo Logo

“That’s good. My hips aren’t what they were.”
— Addie

The most comprehensive dog insurance

Your dog counts on you for the best care, you can count on us for the best coverage — from injuries and illnesses to rehab care and expert-backed tips.

Use any veterinarian in Canada or the U.S.

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Trusted by no-kill shelters in Canada and the U.S.

What is Fetch dog insurance?

Dog insurance helps you cover the cost of vet bills when your pup gets sick or hurt. Fetch is the most comprehensive dog insurance there is. That means we cover things like hereditary conditions linked to breed, injury and disease in every adult tooth and exam fees.

Because your dog can always count on you for the best care, and you can always count on us to pay back up to 90% of unexpected vet bills.

Fetch provides the best coverage for injuries & illnesses including:

Prescription medications & supplements

Emergency vet visits

Virtual, in-home & office visits

Hospital stays

Physical therapy



X-rays & CT scans


Blood tests

Breed-specific issues, including hip dysplasia


Sick-visit exam fees

Laboratory tests

Vomiting & diarrhea

Hereditary & congenital issues

Swallowed objects & toxins

Every tooth covered

Gum disease

Diabetes & insulin

Cancer treatment

Acupuncture & chiropractic care

Treatment for aggression & separation anxiety

And so much more!

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What isn't covered?

Fetch dog insurance provides coverage for future accidents and illnesses — the stuff you can’t see coming. We don’t cover pre-existing conditions. No one does. We also don’t cover cosmetic or elective procedures like tail docking and ear cropping (unless your vet decides they’re medically necessary). Routine and preventive care, which cover things like spaying and neutering, teeth cleaning, flea and tick protection and vaccines, aren’t covered either.

When should I get pet insurance for my dog?

The sooner you get Fetch, the sooner we can help. If you have a puppy, you shouldn’t wait to sign up. And the same goes if you’ve adopted an older dog, too — it’s likely an older pet will develop a new illness or injury as they continue to age. But, if you wait until your pet gets sick or hurt, we won’t be able to cover your vet visit.

Illustrative mockup of the claims screen in the Fetch App.

How does dog insurance work?

Your coverage kicks in after your waiting period (which could be up to 15 days), so you'll be ready when life throws you curveballs. Here's how Fetch's reimbursement model works:

Use any veterinarian in Canada or the U.S.

With Fetch, you have the flexibility to keep your current vet or visit a new vet if you’d like. We even cover specialists and emergency clinics.

Submit a claim in minutes

Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.

Get paid 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.

How much does dog insurance cost?

Our plans average $50/month for dogs and even lower prices for puppies. How do we do it? Using the same data points that power our patent-pending tool, Fetch Forward™, we determine the most accurate pricing based on your pet’s breed, age and your location. From there, you’ve got options. Here are the levers you can pull to either pay less or get paid back more.

Annual coverage amount

The maximum dollar amount you can be paid back per policy year. The higher your annual coverage amount, the more you’ll pay per month.

Annual deductible

The fixed dollar amount you're responsible for paying before your insurance kicks in. Higher deductible plans have lower monthly premiums.


The percentage of each covered vet bill you’ll be paid back after you meet your deductible. The higher your reimbursement rate, the more you’ll pay per month.

Why Fetch dog insurance is worth it

Fetch is here to help you and your best friend enjoy more good days by having your back on the tough ones. In addition to our unmatched coverage, we offer expert-backed health advice and data-driven insights to help you care for your pet from mischievous puppyhood to their golden years.

Fetch Forward™

Our revolutionary Fetch Forward technology uses 16 years of clinical health findings and 150+ million data points from over 725,000 dogs to identify common health conditions. Peek into your dog’s future health so you can take preventive action today.

The Dig

Read up on the latest pet-parenting tips and health advice when you visit The Dig — your one-stop resource for all things dogs and cats. Want to learn more about pet insurance for dogs? Check out what the experts have to say:

More questions about dog insurance? We have answers.

What does dog insurance cover?

Dog insurance helps you cover the cost of unexpected veterinary bills if your pet gets sick or hurt. Fetch provides the most comprehensive coverage for your pup and pays back up to 90% of your vet bills. That means we offer the best coverage including sick-visit exams fees, breed-specific issues, and teeth and gums.

What is a deductible?

If your dog receives veterinary care, the first thing you need to do is submit a claim. Once your claim is approved, the initial amount will go towards the annual deductible that you’ve selected (options range from $250-$700). We’ll start reimbursing your claims after your deductible is met.

How do I get pet insurance for my dog?

Enrolling is easy with Fetch. All you need to do is answer a couple of questions about your pup and you’ll get a free quote that’s personalized to them. Once you sign up, there’s a waiting period (which could be up to 15 days) before injuries and illnesses are covered. (Don’t worry, we’ll email you everything you need to know.) After the waiting period is over, you’re free to begin submitting claims.

When should I get dog insurance?

The key to ensuring your pup has the best coverage possible is to enroll before they need it. Like other providers, Fetch is unable to cover pre-existing conditions. That’s why we recommend signing up when your dog is a puppy so that any future illnesses or injuries will be covered. Fetch covers pets of any age, so it’s important to sign up an older dog before they develop any health issues.

How do I pick the best plan?

Fetch offers the most comprehensive coverage in our one simple plan. There are a few factors you can customize to make sure your price fits your budget: your deductible, annual coverage amount and reimbursement rate. See how to customize your price to find the value that is right for you.

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