Fetch Pet Insurance coverage: accidents, illnesses, dental & more

No pet insurance provider covers all pre-existing conditions, including Fetch Pet. A pre-existing condition is defined as any injury, illness or condition that your pet shows signs or symptoms of either before you enroll in insurance or during your policy’s waiting period. These conditions will be noted in your pet's veterinary medical records.

Fetch Pet covers curable pre-existing conditions — medical issues that can be completely cured with no recurrence of signs or symptoms. (Think: urinary tract infections, upper respiratory infections, bite wounds and conjunctivitis.) In order for the condition to be considered curable, your pet must go 1 policy year completely symptom-free from the issue.

Yes, Fetch Pet covers dental disease and injury in all adult teeth and your pet’s gums — and was named best for dental coverage by Forbes in 2026. When left untreated, dental infections can spread to the heart, kidneys and other vital organs, according to the Ontario SPCA. With Fetch Pet, you’ll get the most complete dental coverage for your pet, so you can give them the best protection to help them live a longer, healthier life.

On average, Fetch Pet Insurance costs $35/mo. for dogs, and $22/mo. for cats. Your exact price will depend on 3 factors: your pet’s age, their breed and where you live. When you get your free quote with Fetch Pet, you can customize your price to fit your pet and your budget by adjusting your deductible, max annual payout and reimbursement rate.

Fetch Pet is the best insurance at the best price for puppies and kittens, and it’s a good idea to sign your pet up when they’re young and healthy. Any conditions your pet has shown signs or symptoms of before signing up would be considered pre-existing and likely not covered. By signing up as early as possible, you can give your pet the best veterinary care, and save yourself money on vet bills.

Filing a claim to get reimbursed for your dog or cat’s vet bills is simple and fast with Fetch Pet. First, you pay the vet in full at the time of your pet’s visit. Then, you'll upload a photo of your paid invoice and supporting medical records and submit them in the Fetch Pet app. Claims are typically processed in less than 10 days. Once the claim is approved and you've met your deductible, you’ll get paid back straight to your bank account when you set up direct deposit.

Fetch Pet Insurance is the most complete coverage for accidents (think: cuts, broken bones or swallowing something they shouldn’t) and illnesses (think: vomiting, allergies or ear infections). Fetch Pet also offers optional wellness coverage, so you can get reimbursed for the preventive vet care that helps you keep your pet healthy — annual exams, vaccinations, dental cleanings and so much more. With both your pet will have the total package, so you can help them live a longer, healthier life.

The best time to sign up is when your pet is in good health. Any existing injuries or illnesses are considered pre-existing conditions and typically not covered by pet insurance.

Yes, Fetch Pet covers neutering and spaying when you add an optional Fetch Wellness plan to your Accident and Illness policy. You can choose from 3 plans, which covers up to $250 for spaying or neutering as part of a total preventive care reimbursement that can be as much as $1,200/yr. If you choose not to add wellness coverage, then spaying and neutering is not covered.

Yes, Fetch Pet covers the full sick visit including the exam fee, which can average $50 - $300 on top of costs for tests, treatments, scans and more. Other providers charge extra to cover sick-visit exam fees, or don’t cover them at all — this coverage comes standard with Fetch Pet.

Fetch Pet gives dogs and cats the most complete coverage in case they get sick or hurt. Take periodontal disease, for example: it’s the most common disease in dogs and cats (up to 90% of pets get it). Fetch Pet’s full-mouth dental coverage includes treatment for periodontal disease and other dental injuries and illness.

A pet parent gets a vet bill for more than $1,000 every 6 seconds. That explains why more than 7 million dogs and cats are insured in Canada and the U.S., according to the North American Pet Health Insurance Association (NAPHIA). Protect your pet (and your wallet) with Fetch Pet, and get up to 90% of your pet’s vet bills paid back.

You have 90 days from the date on your pet's invoice to be eligible for reimbursement with Fetch Pet. Claims submitted after that 90-day period will not be covered.

Yes, Fetch Pet covers vaccines and other preventive care (such as heartworm, flea and tick prevention, dental cleanings and annual exams) when you add Fetch Wellness to your Accident and Illness pet insurance. Fetch Pet has 3 wellness plans to choose from, so you can find the one that works best for you and your pet. Find out more about adding Fetch Wellness to your pet’s insurance plan.