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Works with any licensed vet in the U.S. or Canada.
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Cat insurance helps you cover the cost of vet bills when your pet gets sick or hurt. Fetch is the most comprehensive cat insurance there is. That means we cover what most providers don’t — like hereditary conditions linked to breed, injury and disease in every adult tooth and exam fees.
Because your cat can always count on you for the best care, and you can always count on us to pay back up to 90% of unexpected vet bills.
Veterinary exam fees
Emergency vet visits
Specialist vet visits
Comprehensive dental
Breed-specific conditions
Complete sick visit
Injuries & illnesses
Virtual vet visits
Diagnostic tests
Imaging & ultrasound
Holistic & chiropractic care
Behavioral therapy
Cancer treatment
Surgery & rehabilitation
Fetch cat insurance provides coverage for future accidents and illnesses — the stuff you can’t see coming. We don’t cover pre-existing conditions. No one does. We also don’t cover cosmetic or elective procedures. Routine and preventive care, which cover things like spaying and neutering, teeth cleaning, flea and tick protection and vaccines, aren’t covered either.
The sooner you get Fetch, the sooner we can help. If you have a kitten, you shouldn’t wait to sign up. And the same goes if you’ve adopted an older cat, too — it’s likely an older pet will develop a new illness or injury as they continue to age. But, if you wait until your pet gets sick or hurt, we won’t be able to cover your vet visit.
Your coverage kicks in after your waiting period (which could be up to 15 days), so you'll be ready when life throws you curveballs. Here's how Fetch's reimbursement model works:
With Fetch, you have the flexibility to keep your current vet or visit a new vet if you’d like. We even cover specialists and emergency clinics.
Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.
Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.
Our plans average $25/month for cats and even lower prices for kittens. How do we do it? With our patent-pending Fetch Forward™ technology — it determines the fairest and most accurate pricing based on your pet’s breed, age and your location. From there, you’ve got options. Here are the levers you can pull to either pay less or get paid back more.
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.
The fixed dollar amount you're responsible for paying before your insurance kicks in. Higher deductible plans have lower monthly premiums.
The percentage of each covered vet bill you’ll be paid back after you meet your deductible. The higher your reimbursement rate, the more you’ll pay per month.
Our coverage is 100% worth it, but that's not all we offer. Fetch is here to do more than merely ‘have your back’ on bad days. We wholly exist to help you and your best friend enjoy more good days. The Dig, our expert-backed editorial offers around-the-clock access to pet-parenting advice.
Your job is to love and protect that little furball, we’ll handle the rest. Plans average $25/month for cats.
Use any licensed vet in Canada or the U.S.
No signup fee, no add-ons
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