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Pet Insurance 101

Is dog insurance worth it?

Here’s how pet insurance can help your dog.

When it comes to dog parenthood, life is full of surprises. Like cleaning up a few (or several) of your puppy’s potty training fails or watching your dog endlessly chase their tail. While these scenarios seem to come out of the blue, you're probably not surprised that this is life with a pup.

But there are some situations that pet parents don’t plan for, like unexpected health surprises or accidents. So if your dog is ever injured or becomes sick, Fetch Pet Insurance will be there to cover up to 90% of your pet’s unexpected vet bills.

Do I need pet insurance?

We may be a little biased, but we think every dog (and cat!) should be signed up for pet insurance. And Fetch is the most comprehensive pet insurance provider, which means we can be there for your pet for many reasons. Here’s a list of what we cover.

  • Sick-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

RELATED: What is a pre-existing condition?

Is pet insurance worth the cost?

Every pet's plan is different, but Fetch dog insurance plans generally cost around $35 per month (and can be even lower for puppies). Another bonus: There are no sign-up fees or add-ons, and you can cancel anytime — though we'd love for you to stay.

Using the same data points that power our patent-pending tool, Fetch Forward™, we determine the most accurate pricing based on your dog’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.

Is pet insurance worth it for older dogs?

Unfortunately, no pet insurance providers cover pre-existing conditions, which are any conditions that occur or that your pet has shown clinical signs of before signing up for pet insurance, during the waiting period or at the time of your pet’s first veterinary exam.

But, even if you're a parent to an older dog, we still recommend signing them up for pet insurance to cover any potential future injuries or illnesses. We don't deny senior pets coverage. We welcome all dogs and cats 6 weeks and older, and cover any new conditions for all breeds.

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

Photo by Valerie Elash on Unsplash

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