Fetch pays back up to 90% of unexpected vet bills

Get a free quote

Fetch Pet Insurance logo.
A photo of a brown Yorkshire Terrier who is laying on the floor

Pet Insurance 101

Should I get pet insurance for my dog?

Yes, and here's why.

Congratulations on welcoming a new dog into your life! This is just the beginning of a beautiful relationship. And while you’re planning all of your upcoming adventures, it’s a good time to think about your pup’s future health, too. 

That's where Fetch Pet Insurance can help. As the only pet insurance provider trusted by the #1 animal brand, Fetch, we want to ensure your pup is always able to get the best care. 

And for the pet parents who may not have considered pet insurance before, we've got you! Here are all the reasons you should sign up for dog insurance and how it works. 

What is pet insurance for dogs? 

Life with dogs (and cats, too) means that anything is possible — be prepared so you can always agree to the best care for your dog. Fetch Dog Insurance is there to cover vet bills when your pup is sick or hurt.

Should I get pet insurance? 

Pet insurance is a great option for so many reasons. It gives you the freedom to agree to expensive procedures, medications and care, knowing that we'll cover up to 90% of your unexpected vet bills. And Fetch Dog Insurance is the most comprehensive, too. Here's a list of what we cover: 

  • 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
  • Holistic and chiropractic care
  • Behavioral therapy 
  • Cancer treatment
  • Surgery and rehabilitation

RELATED: How is the cost of pet insurance calculated?

How much is dog insurance? 

Every dog's plan is different, but on average Fetch Dog Insurance plans 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 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. 

Pet insurance that covers pre-existing conditions

Unfortunately, no pet insurance providers cover pre-existing conditions, which are injuries or illnesses that were treated before signing up for pet insurance. 

Should I get pet insurance for my puppy? 

Since pre-existing conditions aren’t covered by any dog insurance provider, we recommend signing your dog up for pet insurance as a puppy so that any future illnesses or injuries can be covered. If you adopted a senior dog, you should still sign up as soon as possible because our Fetch Forward tool predicts that many pets start experiencing injuries and illnesses around 7 years old.

How does pet insurance work? 

Once you sign up for pet insurance, there’s a brief waiting period before injuries and illnesses are covered. The waiting period is 15 days for injuries and illnesses. After the waiting period is over, you’re free to begin submitting 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. Fetch will handle the rest. 

Step three: Get paid back! If you’re using direct deposit, you can receive up to 90% of your vet expenses back in just 2 days. 

Pet insurance comparisons

We’ve already mentioned that Fetch Pet Insurance is the most comprehensive, but feel free to browse our comparison pages to see how we stack up against other pet insurance providers.

Pet insurance reviews

If you’re still unsure about signing up for Fetch Pet Insurance, learn what other people have to say about us.

Who benefits from pet insurance the most?

You love your dog more than anyone and want them to have more good days. Fetch Dog Insurance offers support by allowing you to give them the best care possible. 

Risk-free cancellation terms vary by state. 

Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the waiting period, are excluded from coverage.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2020 through 12/31/2020 and all available limit combinations. 

Most comprehensive according to Consumer’s Advocate as of February 2022, based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers. Consumer Advocate is a Fetch Partner.  Best pet insurance according to Consumer Voice February 2022. Consumer Voice is a Fetch Partner.

The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. The arrangement between Fetch and The Dodo includes an equity stake, as well as brand licensing and marketing services through which The Dodo, and its affiliate, may be compensated to promote Fetch offerings.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch by The Dodo Fetch by The Dodo, LLC in Michigan & New Mexico, and Fetch by The Dodo Insurance Services, LLC in California) and underwritten by XL Specialty Insurance Company, a Delaware Corporation or AXIS Insurance Company, an Illinois Corporation, in the U.S. and XL Specialty Insurance Company - Canadian Branch or AXIS Reinsurance Company (Canadian Branch) in Canada. ©️2022 Fetch, Inc. Information accurate as of February 2022.

This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage.

The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. Policy terms and conditions may vary by state. All coverage and limit options may not be available to all customers and are subject to underwriting approval.

Fetch Forward™ is not insurance and is not provided by XL Specialty Insurance or AXIS Insurance Company.

Other provider comparisons contained herein were prepared solely by Fetch based upon a comparison of each company’s policy form or core policy coverages available on each company’s website as of April 2022.

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.

Photo by Jorge Gardner on Unsplash

Sign up for our newsletter

Get a free quote