ASPCA Pet Insurance
Fetch Pet Insurance

Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.

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A curious puppy sitting on a couch.

You had me at Fetch.

— Bingo

Fetch covers more than most other providers, including ASPCA Pet Health Insurance

Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!) with the most comprehensive coverage. ASPCA has limited or no coverage when it comes to boarding in the event of hospitalization, holistic treatments and more.

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Non-traditional treatment? No problem

Fetch Pet Insurance covers vet-prescribed holistic treatments such as herbals and food products. Holistic care is considered standard by Fetch. It’s included in every policy.

With ASPCA, non-traditional treatment isn’t standard and is only available as an add-on, which will cost extra.

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Fetch has your back if you're hospitalized

We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.

ASPCA Pet Health Insurance doesn’t cover this, so you’ll likely need to find someone to take care of your pet or pay boarding fees out of pocket.

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With Fetch’s comprehensive plan, you know exactly what’s covered

Fetch helps protect your pet from injuries and illnesses with comprehensive pet insurance.

With ASPCA Pet Health Insurance, you’ll have to choose between their accident-only plan and their Complete Coverage plan. You’ll have to read the fine print carefully on both plans to make sure you understand what you’re getting, and figure out which plan better suits the needs of your pet.

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A displeased looking cat sitting on a wooden chair.

Fetch covers more than just vet bills

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.

ASPCA doesn’t offer this.

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What should you consider when you’re comparing pet insurance providers?

What does the coverage include?

Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.

How much can you customize the price?

Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.

What matters the most to you?

Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.

Add routine & preventive coverage, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).

Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.



Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

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Read customer reviews about Fetch Pet Insurance

Ready to give your pet the coverage they deserve?

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Compare Fetch to ASPCA Pet Health Insurance




Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees


Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums


Not covered

This comparison is based on core policy coverage and the information is accurate as of September 2023.

Fetch Wellness is add-on coverage.

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