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Pet Insurance 101

How to get pet insurance

Signing up for Fetch Pet Insurance is super easy.

If you're considering signing your cat or dog up for Fetch Pet Insurance, you should know that we make it super easy. We want to start covering your pet's unexpected veterinary expenses as soon as possible.

What is the best pet insurance?

Fetch Pet Insurance is the most comprehensive, meaning we cover more than most other pet insurance providers. Here’s all the ways we’ll financially be there for your pet:

  • Veterinary exam fees
  • Emergency vet visits
  • Specialist vet visits
  • Comprehensive dental
  • Breed-specific conditions
  • Complete sick visit
  • Injuries and illnesses
  • Virtual vet visits
  • Diagnostic tests
  • Imaging and ultrasounds (like MRIs)
  • Veterinary holistic and chiropractic care for medical conditions
  • Veterinary behavioral therapy
  • Cancer treatment
  • Surgery and rehabilitation

How does pet insurance work?

Start by answering a couple of questions about your pet on our website or app. Once you've responded to all the prompts, we'll send you a customized quote for your cat or dog. And there are no sign-up fees or add-ons, and you can cancel anytime — though we'd love for you to stay.

After signing up for Fetch Pet Insurance, there’s a brief waiting period, of up to 15 days, before you can start filing claims. There’s also a 6-month exclusionary period before injuries of the hips and knees can be covered. You can waive the 6-month exclusionary period for knee conditions and disorders by having your pet examined by a vet in the first 30 days of your policy to determine and document that they don’t have any relevant pre-existing conditions.

Once the waiting period is over, getting paid back for your pet’s vet expenses is easy. 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! If you’re using direct deposit, you can receive up to 90% of your unexpected vet expenses back after the approval of your claim.

RELATED: How to choose the best dog insurance plan

How much does it cost to get pet insurance?

Generally, it's around $35 a month for dogs and $25 for cats, although it can be even less for puppies or kittens. But, we let you choose the price that works best for you.

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. However, your monthly price is customizable. Here's how you can make your monthly payment work for you:

Maximum annual payout

This number is the maximum dollar amount you can be paid back per policy year. The higher your max annual payout, the more you'll pay per month.


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


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

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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