Fetch vs. AKC pet insurance: coverage comparison
How does Fetch Pet Insurance compare to AKC pet insurance?
Fetch is the better choice because it has the most complete coverage, including what AKC charges extra for or doesn’t cover at all. Just look at some of the differences:
AKC doesn’t cover dental illness. Fetch does.
AKC doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
AKC charges extra to cover sick-visit exam fees. This coverage comes standard with Fetch.
With Fetch, you have the most complete coverage for dental, exam fees & more
Coverage for sick-visit exam fees, periodontal disease and telehealth vet visits is automatically included with Fetch. AKC’s coverage doesn’t include those — or charges more for them.
 |  | |
|---|---|---|
Every tooth, plus gums |  | |
$1,000/yr. in online vet visits | | |
Online pharmacy. | | |
Sick-visit exam fees | | Costs extra |
$1,000/yr. in behavioral therapy | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
More coverage comes standard with Fetch, so you can give your pet a longer, healthier life
Fetch covers every adult tooth & your pet’s gums from injury and disease. AKC has limited dental coverage.
Fetch covers illnesses and accidents in every adult tooth, not just the canines. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, dental trauma and more.
AKC doesn’t have any coverage for periodontal disease. Their limited dental coverage only includes the extraction and reconstruction of damaged teeth caused by an accident.
Fetch reimburses $1,000/yr. for online vet visits — no copay, no deductible, no additional costs. AKC does not.
Fetch includes telehealth treatment, so you can call, text, email or video chat with any licensed vet to get support. Online vet visits are covered up to $1,000 a year.
AKC has a helpline where you can get guidance about your pet’s health and behavior, but they can’t diagnose your pet or provide a treatment plan.
100% reimbursement on hundreds of qualifying pet meds with Fetch† — you won't get this with AKC
Order your pet's meds from our online pharmacy, Fetch Pet Rx, and get 100% reimbursement on qualifying medications — delivered right to your door.
AKC does not reimburse 100% of your pet’s medication costs.
Over 74%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch covers sick-visit exam fees. AKC charges extra for this.
Fetch covers the full sick visit — including exam fees, which can exceed $250 per visit. That's on top of costs for treatments, blood tests, X-rays and more.
AKC’s base policy doesn’t cover exam fees. You have to add on additional coverage to get what comes standard with Fetch.
7 in 10
pet parents who forgo veterinary care cite financial reasons.
Fetch reimburses 100% for behavioral therapy. AKC does not.
Fetch covers up to $1,000 in pet behavioral therapy a year. You get 100% reimbursement on this coverage. That means there’s no copay and no deductible, and you can use any vet in the U.S. and Canada.
AKC's behavioral coverage is only available in some states.
Over 95%
of dogs experience behavioral problems, like aggression or anxiety.
Fetch covers what AKC charges extra for or doesn’t cover at all
| | |
|---|---|---|
Breed-specific issues | | Costs extra |
Covers pets of every | | |
Boarding fees1 | | |
$1,500+ in instant savings | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
AKC has coverage limitations you won't find with Fetch
AKC charges extra to cover breed-specific issues that are included with Fetch
Fetch’s complete coverage includes hereditary conditions linked to breed (like hip dysplasia in German Shepherds or breathing issues in French Bulldogs), as well as congenital conditions (such as heart murmur in dogs or hernia in cats).
AKC charges extra to add this coverage. It's automatically included with Fetch.
Fetch includes coverage for boarding fees. AKC does not.
Should you require hospitalization for 4 days or more, Fetch covers up to $1,000 of your pet’s boarding fees at no extra cost.
AKC doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to pay someone else to take care of your pet.
Boarding a pet can cost up to
$185/night
With Fetch Deals, you’ll get $1,500+ in instant savings on top pet brands
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
AKC doesn’t have a perks program, so you’ll save $0 on your pet’s favorite things.
Fetch Deals
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Food & treats
Essentials
Toys & more
AKC’s limited dental coverage could cost you thousands
Both Fetch and AKC include dental, but there's a meaningful difference in what you actually get from each one. AKC doesn’t cover dental disease, including periodontal disease (up to 90% of pets get it). If you want full-mouth dental coverage for your pet, Fetch is the clear choice.
What that means: AKC’s dental coverage only includes the extraction and reconstruction of damaged teeth caused by an accident. That means you’ll have to cover the full cost of any treatment for periodontal disease — which can cost $1,389 on avg. — and other dental illnesses (like gingivitis) or procedures (like crowns or root canals) with AKC.
Fetch provides full-mouth dental coverage for accidents and illnesses — including periodontal disease. When left untreated, dental conditions can lead to bigger health problems like jaw fractures due to bone destruction and damage to kidneys and other organs due to chronic bacterial infection in the mouth, according to ASPCA (American Society for the Prevention of Cruelty to Animals). With Fetch, you’ll get the most complete dental coverage for your pet’s teeth and gums, so you can give them the best protection for more good days.
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Curry
Periodontal disease costs:
$6,126
Fetch paid back:
$4,417
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back straight to your bank account when you set up direct deposit.
Fetch reimburses 100% for these 7 coverages. AKC does not.
When you get a pet insurance quote with Fetch or AKC, you’ll be given options to customize the cost. With Fetch, you can choose the deductible, max annual payout and reimbursement rate that’s right for your pet and your budget. While Fetch and AKC both offer plans with a 90% reimbursement rate, there are 7 coverages where Fetch will pay back 100% of the cost of approved claims, with no copay and no deductible. These are included for every Fetch Member at no extra cost — you won’t get that with AKC.
7 coverages with 100% reimbursement — up to $1,000/yr. each with Fetch
Behavioral therapy
Fetch gives 100% of the cost to diagnose and treat behavioral disorders with a vet back to you.
Boarding
Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.
Online vet visits
Access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch.
Find a lost pet
Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.
Stolen or stray pet
In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.
Canceled vacation
If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.
Passing of a pet
In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.
Learn more about all 100% reimbursement coverages
AKC's Wellness coverage gives you less flexibility than Fetch's
When you add Fetch Wellness, you’ll get money back for the vet visits that help keep your pet healthy like annual exams, vaccinations, dental cleanings and more. With coverage for the unexpected as well as preventive care, you’ll have the total package for your pet’s health (and peace of mind for yourself).
AKC also offers Wellness coverage, but they only have 2 options — Fetch has 3, which gives you even more flexibility so you can choose what works best for you and your pet. For example: AKC only covers a spay/neuter or teeth cleaning with their most expensive plan. That coverage comes standard with all of Fetch’s Wellness options.
Thousands of 5-star reviews on Trustpilot
Fetch is rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents. AKC is rated ‘Average’ with a 3.0.
Questions about how Fetch compares to AKC, answered
Is Fetch Pet Insurance better than AKC Pet Insurance for dogs?
Does AKC Pet Insurance cover dental like Fetch?
How does Fetch handle pre-existing conditions vs. AKC?
Does AKC Pet Insurance reimburse prescription medications?
Can I switch from AKC Pet Insurance to Fetch?
What does Fetch pet insurance cover that AKC doesn't?
