Fetch pays back up to 90% of unexpected vet bills

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Pet Insurance 101

Does pet insurance cover vet visits?

Here’s how to get paid back quickly.

Whether planned or not, vet appointments are important for maintaining a pet’s health. And at Fetch by The Dodo, we understand that those unplanned visits to the emergency hospital can cause a lot of stress.

In those tenser moments, we make sure your sole focus is your pet's care, not what that care will cost. Keep reading to learn how Fetch pet insurance helps to cover emergency vet visits. 

Does pet insurance cover emergency visits? 

If you have to take your cat or dog for an emergency visit to a hospital or clinic, we’ll cover up to 90% of the resulting expenses. Pay the bill at the vet’s office, submit a claim through the Fetch app or our website, and if it’s approved, you’ll be paid back. 

Does pet insurance cover regular visits? 

Fetch Pet Insurance covers what you don’t see coming — like surprise injuries or illnesses. Fetch Wellness is an optional add-on to Fetch injury and illness insurance that gives your pet routine and preventive coverage (think: vaccines and annual exams).

RELATED: Does pet insurance cover dental care?

What does pet insurance cover? 

Outside of emergency vet visits, there are so many unexpected pet-related expenses that we cover. Here are just some of the situations that we pay you back for: 

  • Prescription medications and supplements
  • Emergency vet visits
  • Virtual, in-home and office visits
  • Hospital stays
  • Physical therapy
  • Allergies
  • Surgery
  • X-rays and CT scans
  • Ultrasounds
  • Blood tests
  • Breed-specific issues, including hip dysplasia
  • Specialists
  • Sick-visit exam fees
  • Laboratory tests
  • Vomiting and diarrhea
  • Hereditary and congenital issues
  • Swallowed objects and toxins
  • Every tooth (and gum disease)
  • Diabetes and insulin
  • Cancer treatment
  • Veterinary acupuncture and chiropractic care
  • Treatment to help aggression and separation anxiety

How does pet insurance work?

Getting paid back for your pet’s medical expenses is straightforward. After signing up for Fetch cat or dog insurance, there’s a waiting period (up to 15 days) before any health-related issue is covered. After the brief waiting period, you’re all set to submit your claims. Here’s how it works.

Step one: Visit any licensed vet in the U.S. or Canada.

Step two: Submit a claim on our app or website by taking a photo of your vet documents. We’ll handle it from there.

Step three: Get paid back! You can receive up to 90% of your vet expenses back.

The Dig, Fetch by The Dodo’s expert-backed editorial, answers all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park. We help make sure you and your best friend have more good days, but we’re there on bad days, too. Fetch provides the most comprehensive pet insurance and is the only provider recommended by the #1 animal brand in the world, The Dodo. 

The Dig, Fetch's expert-backed editorial, answers all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park. We help make sure you and your best friend have more good days, but we’re there on bad days, too.

Save up to 90% on unexpected vet bills

Use any veterinarian in Canada or the U.S.

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The most comprehensive pet insurance

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