Fetch Pet vs. Spot Pet Insurance: coverage comparison

Fetch Pet is the better choice — it was voted #1 in the 2026 Newsweek Readers’ Choice Awards for Best Pet Insurance and has the most complete coverage. Meanwhile, Spot doesn't cover what comes standard with Fetch Pet — here are a few examples:

• 100% reimbursement for behavioral therapy with $0 copay and $0 deductible — up to $1,000/yr.
• Endodontic dental treatments, like caps, crowns, fillings, implants and root canals
• $1,000/yr. for telehealth with the freedom to use any online vet service — $0 copay and $0 deductible
• 100% reimbursement for boarding your pet when you’re hospitalized for 4+ days — covered up to $1,000/yr.
• Lost pet advertising fees and a reasonable reward, reimbursed 100% up to $1,000/yr. — no copay, no deductible
• 100% reimbursement for canceled vacations because of a pet emergency — covered up to $1,000/yr.
• 100% reimbursement on hundreds of qualifying pet meds through online pharmacy, Fetch Pet Rx^† — with $0 copay once you’ve met your deductible

In a side-by-side comparison of base accident and illness plans from Fetch Pet and Spot, Fetch Pet Insurance costs $20.80/mo. for a dog and $18.73/mo. for a cat, while Spot is more expensive, costing $49.12/mo. for a dog and $41.99/mo. for a cat. These quotes are based on a $10,000 annual limit, $500 deductible and 80% reimbursement rate for a small mixed-breed dog living in Arizona and a Domestic Shorthair cat living in Massachusetts both male and under 1-year-old.

This means Spot’s quoted monthly premiums were more than twice as high for the same pet with the same reimbursement options as Fetch Pet’s. Since Fetch Pet offers the most complete coverage, Spot could have you paying more in premiums for less coverage.

No. Spot’s dental coverage is more limited than Fetch Pet’s. Fetch Pet has been recognized by Forbes as the “Best Pet Insurance for Dental Coverage.” Spot’s dental coverage excludes treatments and procedures, including caps, crowns, fillings, implants and root canals (also known as endodontic care). These treatments are all covered with Fetch Pet — at no extra cost.

Yes, you can switch to Fetch Pet, but you should know that any claims filed with Spot will be considered pre-existing conditions. In general, no pet insurance covers all pre-existing conditions. This can make switching pet insurance tricky because if you start filing claims with one insurer and then decide to switch to another one, the conditions your pet has already had, including any signs or symptoms that your veterinarian noted in your pet’s medical records, likely won’t be covered by your new insurer.

What is a pre-existing condition? A pre-existing condition is any injury, illness or condition that you or your veterinarian notices your pet has (or shows signs of) either before you enroll with Fetch Pet, before your policy’s effective date, or during the waiting period of up to 15 days. To learn more, read about pre-existing conditions.

Fetch Pet offers the most comprehensive coverage for future injuries and illnesses, covering what many other providers don’t — like hereditary and congenital conditions linked to breed. Think: breathing problems in Bulldogs or kidney disease in Persian cats.

Fetch Pet is also the only pet insurance that gives you 100% reimbursement with no deductible and no copay for online vet visits, behavioral therapy and 5 other coverages — up to $1,000/yr. each.

What are congenital conditions in pets? Congenital conditions are issues or abnormalities that a pet is born with. They’re caused by a developmental disruption during pregnancy, like a drug, virus or other environmental factor. They can range from more overt issues, like a cleft palate, to conditions that may go undetected at first, like a heart murmur.

Fetch Pet is the better dog insurance because we cover what Spot doesn’t. If you have a young pet, Fetch Pet is the best pet insurance for puppies at the best price. Fetch Pet covers dogs of every age over 6 weeks. Dogs are only eligible for coverage at 8 weeks with Spot.

Fetch Pet also covers endodontic dental care — this includes common procedures, like root canals, caps and crowns. Spot does not cover endodontic treatments at all. This is important, because if left untreated, dental issues can affect your dog’s overall health. That’s why Fetch Pet provides the most complete dental insurance, covering injury and disease in every adult tooth and your pet’s gums.

What are endodontic dental treatments? Endodontic procedures include dental caps, crowns, fillings, implants and root canals.

Fetch Pet gives you the best insurance at the best price for kittens. With the most complete coverage, Fetch Pet covers what Spot does not for cats. Plus, if you’re adopting, Fetch Pet is the #1 pet insurance for shelter cats and kittens.

Pet parenting a cat costs around $634 annually, according to the American Society for the Prevention of Cruelty to Animals (ASPCA). Choosing the most complete coverage — Fetch Pet — helps you protect your cat (and your wallet).

Fetch Pet reimburses 100% for behavioral therapy (think: urine marking, excessive scratching and more) — up to $1,000/yr. That means no copay and no deductible. Spot does not reimburse 100% for behavioral therapy with $0 copay and $0 deductible.

More pet parents choose Fetch Pet over Spot because Fetch Pet has the most complete coverage. With veterinary costs rising 3 times faster than other products and services, Fetch Pet is here to help make caring for your pet more affordable.

For example, there are 7 coverages where Fetch Pet will pay back 100% of the cost of approved claims, up to $1,000/yr. each with no copay and no deductible. These coverages are included for every Fetch Member at no extra cost. Spot does not offer this.

Learn more about how Fetch Pet compares to other popular pet insurance providers by reviewing a side-by-side comparison.