Spot Pet Insurance
vs.
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 large fluffy dog sitting on a couch with a tennis ball in his mouth.

You had me at Fetch.

— Rugby

Fetch covers more than most other providers, including Spot

Fetch Pet Insurance is proud to protect over 400,000 pets (and counting!) with the most comprehensive coverage. Spot has limited or no coverage when it comes to dental illness, boarding fees, supplements and more.

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Fetch covers what Spot does not, including:

Comprehensive dental coverage for injury and disease in every adult tooth. Spot doesn’t offer coverage for every tooth.

Up to $1,000 in boarding fees should you require hospitalization for 4 days or more. Spot doesn’t do that.

Name-brand prescription medications like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness. Spot doesn’t cover herbal supplements.

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Spot Pet Insurance doesn’t cover every tooth, Fetch does

Fetch Pet Insurance covers injury and disease 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, trauma and more.

Spot’s limited dental coverage doesn’t include endodontic or orthodontic dental services such as caps, crowns, crown amputation, fillings, implants or root canals.

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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.

Spot Pet 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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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.

Spot Pet Insurance doesn’t offer this.

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Fetch can reimburse you for vet-recommended medicine that Spot doesn’t cover

Fetch provides coverage for medicinal substances including (but not limited to) nutraceuticals, vitamins and herbal medicines not requiring a prescription that a veterinarian recommends for the treatment of an injury or illness.

Spot Pet Insurance doesn’t cover herbal treatments.

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When you need help, we're here for you

You can’t predict when your pet will need care, which is why Fetch is here for you (even on the weekends). Between our app, live chat and agents, you can get customer support when you need it.

Spot’s customer service is only available Monday through Friday 8AM to 8PM ET.

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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.

+

Optional ROUTINE CARE

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 Spot Pet Insurance

Coverage

Fetch

Spot

Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees

Boarding

Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums

Covered

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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