“I need coverage if one day I don’t land on my feet.”
CAT INSURANCE GUIDE
Cat insurance, explained
Your best friend deserves the best cat insurance. Fetch is the most comprehensive cat insurance plan in the U.S. & Canada.
Use any veterinarian in the U.S. or Canada
Rated ‘Excellent’ on Trustpilot
Covers up to 90% of unexpected vet bills
Trusted by lifesaving shelters in the U.S. and Canada
What is cat insurance?
If your pet gets sick or hurt, cat insurance coverage can help reimburse you for treatment. Fetch offers the most comprehensive cat insurance coverage in the U.S. and Canada and pays you back up to 90%, which can make veterinary treatment a lot more affordable. With Fetch, you won’t have to choose between your wallet and your best friend.
Why do I need cat insurance?
Every 6 seconds, a pet parent is faced with a vet bill of more than $1,000. That doesn’t even take into account the rising cost of inflation, or the fact that veterinary medicine is getting better – and more expensive. Fetch Pet Insurance helps give you protection from these increasing costs and peace of mind that’s priceless. From allergies to broken bones to gum disease, Fetch offers coverage for a wide range of injuries and illnesses. With Fetch, your cat can live their longest, healthiest life — and you can worry less about vet bills.
What does cat insurance cover?
Accidents happen, especially if your cat has a mischievous streak. You can’t predict when your cat will get stung by a bee or take a spill. But you can count on Fetch cat insurance to help cover the cost of care when the unexpected happens. We cover unexpected injuries ranging from broken teeth to bone fractures. If your cat needs surgery, you’re covered. And whatever your vet recommends on the road to recovery, from acupuncture to physical therapy, Fetch has your back.
We’re also here for you when your cat gets sick, with coverage for illnesses ranging from minor infections to chronic conditions like diabetes and cancer. Need to see a specialist? It’s covered. And unlike other providers, we even cover the sick-visit exam fees, which can save you around $50 – $250 per visit. The diagram below shows a closer look at common cat insurance claims and how much Fetch can put back in your pocket.
Vet bill costs are based on U.S. cats’ annual policy terms between 1.1.2020-12.31.2021, where the cats are 1+ years of age. Fetch pays back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500, where the deductible has been met and a reimbursement rate of 90%.
When it comes to coverage, Fetch is unmatched
Fetch doesn’t just have the most comprehensive cat insurance — we also stand out from the competition by including what other providers charge extra for or don’t cover at all. Think of it this way: if your vet recommends it, Fetch probably covers it.
Sick-visit exam fees
Every sick visit comes with an exam fee, which can be around $50 – $250. We cover those exam fees for you. Not all providers do.
Breed-specific issues
Not all providers cover medical conditions linked to breed, like heart disease in Ragdolls or dental disease in Persians. We do.
Boarding fees
We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.
Advertising & reward
If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.
Name-brand prescription medications & supplements
We cover prescription medicines like antibiotics and insulin, as well as non-prescription vitamins and nutraceuticals, when they’re recommended by a vet to treat a new injury or illness.
Compare cat insurance plans
When it comes to protecting pets, families everywhere trust Fetch to provide the most comprehensive coverage. Other providers can leave your pet without coverage when they need it the most. Below, see Fetch’s superior cat insurance coverage in action against other providers.
Sick-visit exam fees
Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.
$1,000 in online vet visits
Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.
Trupanion & Healthy Paws don’t cover this.
Behavioral therapy
Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.
Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.
Every tooth, plus gums
Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.
Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.
Alternative & holistic care
We cover acupuncture, aromatherapy, chiropractic and homeopathic treatments, also known as complementary therapy, when administered by a vet to treat an accident or illness. Not all providers do.
Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.
$1,000 in boarding fees
Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.
Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.
And so much more!
Get unmatched coverageFetch Pet Insurance covers (and loves) cats of all ages
We cover kittens and senior cats alike — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Fetch is with your pet (and you) for life.
COVERED
Kittens
6 weeks - 1 year old
COVERED
Adult cats
2 - 7 years old
COVERED
Senior cats
8 years old & beyond
Rated 4.7 in the App Store & Google Play. *Updated July 2023.
How does cat insurance work?
Use any veterinarian in the U.S. or Canada
With Fetch, all vets are in our network. We even cover specialists and emergency clinics.
Submit a claim in minutes
Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.
Get paid back fast
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.
Want to add routine care for your cat? We’ve got wellness coverage
Fetch cat insurance gives you unmatched coverage when your pet is sick or hurt. Add Fetch Wellness, and you'll also be covered for the preventive care that keeps them healthy. With both, you'll be better prepared for your pet's veterinary needs, plus you'll save big on vet bills.
Get Fetch Pet Insurance
Accidents & Illnesses
Prescription medications
Emergency visits
Surgery & hospitalization
Physical therapy
+
Add Fetch Wellness
Annual exam
Vaccinations
Dental cleanings
Spaying & neutering
Blood, urine & fecal tests
Why veterinarians recommend Fetch
Don’t just take our word for it — here’s what a top veterinarian has to say about Fetch cat insurance.
“No one wants to think about accidents or illnesses when it comes to their cat, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your cat a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”
Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS
Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board
See why pet parents trust Fetch cat insurance
We’ve been there for pet parents like you since 2007. We’re proud of our 'Excellent' Trustpilot rating and love reading pet insurance reviews about how Fetch has positively impacted our community.
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PET DNA TESTS
1 out of 3 pets need unexpected veterinary care each year.
Here's a look at how much Oriental Shorthairs, like Radar, rack up in vet bills in a year, on average.
Oriental Shorthair's vet bills:
$3,218
Fetch pays back:
$2,896
Vet bill cost is based on the average vet bills for U.S. Oriental Shorthairs’ annual policy terms with effective date between 1.1.2019-12.31.2021, where the cats are 4 years old. Fetch pays back is based on a policy configuration of a max annual payout of $5,000, an annual deductible of $250 and a reimbursement rate of 90%.
Your cat insurance questions – answered!
When should I get cat insurance?
The sooner you enroll, the sooner your cat is covered. Fetch covers cats 6 weeks and older, but it's best to sign up before they need it. Like other cat insurance providers, Fetch cat insurance doesn’t cover pre-existing conditions. That’s why we recommend signing up as early as possible before health issues develop — so you and your best friend can live your best lives together.
What’s not covered with cat insurance?
Like other cat insurance providers, we don’t cover pre-existing conditions. This is any injury, illness or condition that occurs (or your pet shows signs of) before you enroll or during the waiting period of up to 15 days.
The good news is that Fetch is one of just a few providers that covers curable pre-existing conditions. Here’s how it works:
If your cat has an injury, illness or condition and then goes 12 months without signs, symptoms or treatment, that injury, illness, or condition is considered curable and is eligible for coverage.
Curable pre-existing conditions can include: UTIs, respiratory infections, vomiting & diarrhea and broken bones.
How much is cat insurance?
With Fetch, your cat insurance cost is based on your cat’s age, breed and location. From there, you’ve got options. Here are the different factors you can customize to make sure your price fits your budget.
Cat insurance terms — decoded:
Maximum annual payout
Your max annual payout is the maximum dollar amount you can be paid back each year. Choosing a lower max annual payout will make your price lower.
Annual deductible
Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved veterinary care before we can start reimbursing you.
Reimbursement
Your reimbursement rate is the percentage of an approved claim total that we can cover. For example, if your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.
How much does a vet visit cost without cat insurance?
The cost of vet visits without cat insurance varies widely and depends on factors like your cat’s breed, age, location and what brings you and your pet to the vet in the first place.
Let’s say your cat gets a urinary tract infection. Your vet bill would cost, on average, $616 without cat insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $554 would be covered. Getting cat insurance helps your pet get the medical attention they need while also protecting your wallet from unexpected vet expenses.
Is cat insurance worth it?
If you’re looking for potential savings on future vet trips, the answer is yes. Cat insurance helps make vet bills more affordable, and you can rest easy knowing you’ll be covered if your pet unexpectedly gets sick or hurt down the road. But if you’re at the vet with a sick cat right now, bear in mind that your current visit won’t be covered because like other pet insurance providers, we don’t cover pre-existing conditions. Your cat will be covered for eligible claims once they’re enrolled and the waiting period has passed. Just another reason to sign up today.