Pet insurance for illness & accident coverage

In a word, yes. Every 6 seconds a pet parent gets a vet bill for $1,000 or more. According to Access Veterinary Care, emergency visits and surgeries can range from $1,000 to $10,000+, depending on the condition and location. With Fetch, you can get up to 90% of that paid back, so it's more affordable to give your pet the care they need, when they need it.



If you have a younger pet, Fetch has the best insurance for puppies and kittens at the best price. If you're adopting, Fetch is the #1 pet insurance for shelter and rescue pets.

But if you're looking to enroll a senior pet, for example, then Fetch is probably not the best choice for you. Senior pets are more likely to have existing health issues. This means they'll cost more for you to insure and their pre-existing conditions will not be covered.

You can get Fetch Pet Insurance even if your pet is already sick. But since your pet was sick before you enrolled, that particular illness will be considered a pre-existing condition and won’t be covered.

In general, no pet insurance covers costs related to pre-existing conditions — meaning you will not be reimbursed for vet bills associated with treatment of that particular condition.

Yes, you can cancel your Fetch policy at any time. Learn more about Fetch’s cancelation policy.

With Fetch, there’s a waiting period of up to 15 days before illness coverage begins. There is no waiting period for accident coverage. 
The waiting period is the span of time between when you enroll your pet in insurance and when coverage actually kicks in. It typically begins on your policy effective date.

Here's an example:

Enrollment date: January 1

Policy effective date: January 3

Waiting period ends: January 17

This means that if you enroll in insurance on January 1, you will begin getting reimbursed for vet visits starting on January 17. Any vet visits that take place during the waiting period will not be covered.

Fetch covers dogs and cats 6 weeks and older with no upper-age limits, so as long as your pet is over 6 weeks old, you can enroll them with Fetch. However, Fetch doesn’t cover pre-existing conditions — in general, no pet insurance does. So the best time to sign up for insurance is when your pet is young because they’re more likely to be in good health with no pre-existing conditions.

Claims are typically processed in less than 10 days. Once approved, you'll get paid back up to 90% straight to your bank account via direct deposit, which can take as little as little as 2 days.

Fetch’s complete pet insurance coverage includes reimbursement for hereditary conditions linked to breed.

Yes, Fetch covers dental injuries and diseases in every adult tooth. This includes reimbursement for periodontal disease — the most common disease in dogs and cats, affecting up to 90% of them.



A dog’s tooth extraction costs $500 to $2,500, on average, according to PetMD, so without complete dental coverage, you might have to pay thousands out of pocket yourself to care for your pet.