That’s good.
My hips aren’t
what they were.

– Addie

Dog Insurance GUIDE

Dog insurance, explained

Your best friend deserves the best dog insurance. Fetch is the most comprehensive dog 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

Get your price
A simple drawing of a green leaf crest on the left-hand side.

Trusted by lifesaving shelters in the U.S. and Canada

A simple drawing of a green leaf crest on the right-hand side.

What is dog insurance?

If your pup gets sick or hurt, dog insurance coverage can help reimburse you for treatment. Fetch offers the most comprehensive pet insurance coverage in the U.S. and Canada and pays you back up to 90%, making your vet bills more affordable. With Fetch, you won’t have to choose between your wallet and your best friend and it’s easy to give your dog the care they need to live their longest, healthiest, happiest life.

Get your price

Why do I need health insurance for my dog?

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 plans help give you protection from these increasing costs and peace of mind that’s priceless. From allergies to name-brand prescriptions to a cracked tooth, Fetch offers a wide range of coverage. As a pet parent with Fetch, you’ll be able to give your dog the care they need – without worrying about the full cost of vet bills.

Get your price

What does dog insurance cover?

Accidents happen, especially if you have an adventurous pup that loves getting into mischief. You can’t predict a bee sting or a swallowed sock. But you can count on Fetch dog insurance to help cover the cost of care when the unexpected happens. We cover unexpected injuries ranging from cuts and broken teeth to ACL tears and bone fractures. If your pet 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 dog gets sick, with coverage for illnesses ranging from vomiting and diarrhea to chronic conditions like diabetes and cancer. Need to see a specialist? It’s covered. And unlike other providers, we even cover the exam fees, which can save you around $50 – $250 per visit. Below, take a closer look at some common dog insurance claims and how much Fetch can put back in your wallet.

Vet bill costs are based on U.S. dogs' annual policy terms between 1.1.2021 - 12.31.2022, where the dogs are 2+ 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%.

Get your price

When it comes to unmatched coverage, Fetch is top dog

Fetch doesn’t just have the most comprehensive dog health insurance — we also stand out from the competition with a plan that includes what other providers charge extra for or don’t cover at all.

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 breathing problems in French Bulldogs or kidney stones in Burmese.
We do.

Boarding fees

We care 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. Not all providers do.

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 medicines 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.

Get your price

Compare dog health insurance plans

Want to see Fetch’s superior dog insurance coverage in action? Here’s how other providers stack up against us.

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.

A minimalistic line art icon of a dog sitting with a dog recovery cone around its neck with a mint green background.

$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 treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury 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.

Get unmatched coverage

Fetch dog insurance covers (and loves) pups of all ages

We cover puppies and senior dogs alike — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Your best friend is your best friend, no matter how many birthdays they’ve had.

COVERED

COVERED

Puppies
6 weeks - 1 year old

COVERED

COVERED

Adult dogs
2 - 7 years old

COVERED

COVERED

Senior dogs
8 years old & beyond

Get coverage

Rated 4.7 in the App Store & Google Play. *Updated July 2023.

A hand holding a phone displaying pet insurance claims process on the touchscreen.

How does pet insurance work for dogs?

Use any veterinarian in the U.S. or Canada

With Fetch, you have the flexibility to keep your current vet or use a new vet if you’d like. 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.

Get a quote

How Fetch dog insurance keeps tails wagging

Fetch covers over 400,000 pets (and counting!) and has helped tons of dog parents pay for the best treatment for their pups. Don’t just take our word for it, though — see real examples of how Fetch Pet Insurance helped three different dogs and their parents cover the cost of veterinary care.

Get your price

Wally

Pitbull

dog running to camera in the grass with kiddie pool in background

ACL tear

Medical costs: $4,607

Fetch paid back: $3,685

Reuben

Chihuahua mix

Reuben the Chihuahua

Burst disc

Medical costs: $27,019

Fetch paid back: $20,604

Greyson

Pitbull

A photo of a grey American pit bull outside.

Swallowed object

Medical costs: $3,466

Fetch paid back: $2,456

Want to add preventive care to your dog insurance plan? We’ve got you

Fetch dog insurance gives you unmatched coverage when your pup is sick or hurt. Add Fetch Wellness, and you'll also be covered for the routine 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.

A minimalistic line art icon of a dog sitting with a dog recovery cone around its neck.
Unexpected Visits

Accident & Illness

Accidents & Illnesses

Prescription medications

Canine infectious respiratory disease

Emergency visits

Surgery & hospitalization

+

Line art of a dog with a toothbrush indicating pet dental care.
ROUTINE CARE

Add Fetch Wellness

Annual exam

Vaccinations

Dental cleanings

Spaying & neutering

Blood, urine & fecal tests

Enroll now

Explore dog insurance by breed

Fetch offers dog insurance plans to cover every breed, from large dog breeds to small. Check out the average pet insurance price for your dog’s breed here and get a free quote for your best friend.

Get a breed-specific price

French Bulldog

Learn more

Golden Retriever

Learn more

Goldendoodle

Learn more

Shih Tzu

Learn more

German Shepherd

Learn more

Why veterinarians recommend Fetch dog insurance

Don’t just take our word for it — here’s what a top veterinarian has to say about Fetch dog insurance.

“No one wants to think about accidents or illnesses when it comes to their dog, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your dog a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

Headshot of Dr. Audrey Ruple

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

Get your price

See why pet parents love Fetch dog insurance

We’re proud of our 'Excellent' Trustpilot rating and love reading pet insurance reviews about how Fetch has positively impacted our community.

Get a quote

1 out of 3 pets need emergency veterinary treatment each year

Here’s a look at how much English Bulldogs, like Petey, rack up in vet bills in a year, on average.

English Bulldog's vet bills:

$2,404

Fetch pays back:

$1,913

Vet bill cost is based on the average vet bills for U.S. English Bulldogs' annual policy terms with effective date between 1.1.2021 - 12.31.2022 where the dogs are 8 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 dog insurance questions — answered!

When should I get dog insurance?

The sooner you enroll, the sooner your dog is covered. Fetch covers dogs 6 weeks and older, but it's best to sign up before they need it. Like most other dog insurance providers, Fetch dog 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 dog insurance?

Like other pet insurance providers, we don’t cover pre-existing conditions. This is any condition that your pet shows signs of, or occurs before you enroll or during the waiting period of up to 15 days. The good news: if your dog has an injury or illness and then goes 12 months without signs, symptoms or treatment, that injury or illness is considered curable and is eligible for coverage. Curable pre-existing conditions can include UTIs, respiratory infections and broken bones.

How much is dog insurance?

With Fetch, your dog insurance cost is based on your dog’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.

Dog insurance terms — decoded:

Max 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 rate
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 dog insurance?

The cost of vet visits without dog insurance varies widely and depends on factors like your dog’s breed, age, location and what brings you and your pup to the vet in the first place. 

Let’s say your Australian Shepherd has a bout of vomiting and diarrhea (dogs, they’re just like us!). Your vet bill would cost, on average, $905 without dog insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $814 would be covered. Getting dog insurance helps your pup get the medical attention they need while also protecting your wallet from unexpected vet expenses.

Is dog insurance worth it?

If you’re looking for potential savings on future vet trips, the answer is yes. Dog insurance helps make vet bills more affordable, and you can rest easy knowing you’ll be covered if your pup unexpectedly gets sick or hurt down the road. But if you’re at the vet with a sick pet 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 pet will be covered for eligible claims once they’re enrolled and the waiting period has passed. Just another reason to sign up today.

Get Fetch now
Get your price