Pet insurance for illness & accident coverage
What does accident and illness pet insurance cover?
It covers vet visit costs when your pet is sick or hurt (think: broken bones, allergies, dental disease and more). With Fetch, it also covers tests to diagnose your pet and treatments to support their recovery, including exam fees, physical therapy and acupuncture. Others charge extra for this coverage or don’t offer it at all.
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Kona & Grace
Torn ligament surgery:
$5,290
Fetch paid back:
$4,068
What’s covered: injuries, illnesses & chronic conditions
Fetch provides the most complete coverage in one simple plan. This includes reimbursement for the fee to diagnose your pet’s injury or illness, which can cost up to $250 every time. Trupanion doesn’t cover this at all, and it costs extra to add this coverage with Lemonade, Embrace and Pets Best. Without sick-visit exam fee coverage, you’ll pay 100% of this fee each time. Here’s a look at what else you get with Fetch.
Included coverage
Accidents
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Online vet visits
Illnesses
Sick visits
Vomiting & diarrhea
Skin & ear infections
Cancer treatment
Dental & gum disease
Allergies
Arthritis
Cherry eye
Breed-specific issues
Tests
X-Rays & CT scans
Physical therapy
Surgeries
Ultrasounds
Laboratory tests
Acupuncture & chiropractic care
Treatment for aggression & anxiety
Medications
Accidents, Illnesses & Tests
Emergency vet visits
Hospital stays
Cuts & scratches
Swallowed objects
Broken teeth
Broken bones
Bite wounds
Poisoning
Learn more about coverage
Optional coverage
Wellness
Pet insurance doesn’t include preventive care. By adding it, you’ll also get money back for the vet visits that help keep your pet healthy, including:
Annual exams
Vaccinations
Spaying/Neutering
Dental cleanings
Heartworm, flea & tick prevention
Explore preventive add-on
The most complete pet insurance for IVDD, dental disease, cancer & more
1 in 3 pets needs emergency vet care each year, according to Forbes. That’s why Fetch covers more injuries and illnesses than other insurers.
Full-mouth dental coverage
Only Fetch covers injury and dental disease in all adult teeth and your pet’s gums. This includes gingivitis, broken teeth, extractions and more. Lemonade, Progressive, Pets Best, Nationwide and Embrace do not cover every tooth, plus gums, without a cap on how much they’ll reimburse (also known as a “sublimit” in insurance-speak).
Average cost for a root canal
$3,140
Fetch pays back: $2,826
Coverage for IVDD
Fetch covers IVDD diagnostics and treatments, including surgery. Reimbursement for hydrotherapy, physical therapy and acupuncture, which are also commonly prescribed by a vet to treat IVDD, come standard with Fetch. Others don’t cover these or they charge extra for them.
Denzel
IVDD treatment:
$13,367
Fetch paid back:
$11,271
Coverage for cancer
Fetch covers cancer treatments, and gives you 100% reimbursement on qualifying pet medications from our online pharmacy.† Pet cancer requires frequent vet appointments. Each one comes with a sick-visit exam fee of up to $250 — this is on top of any of the costs for treatments and tests. Unlike others, Fetch covers this fee for you. Fetch also covers every veterinarian in the U.S. and Canada, including specialists, so you can help give your pet the best veterinary care for a longer, healthier life.
Lucy Goose
Cancer treatment:
$50,063
Fetch paid back:
$43,355
Coverage for behavioral therapy
If your pet is exhibiting destructive behavior or distress, they may be diagnosed with aggression, separation anxiety or a phobia. While many insurers don’t offer coverage for behavioral therapy, Fetch reimburses 100% for consultations with a vet to diagnose and treat behavioral disorders up to $1,000/yr. — no copay, no deductible.
Michelle & Pablo
Behavioral treatment:
$2,466
Fetch paid back:
$1,853
Pet insurance cost & reimbursement for vet bills
Average monthly cost
Fetch Pet Insurance for dogs is $34/mo. on average, while cats average $22/mo. Your Fetch quote is based on just 3 pieces of information: your pet’s age, breed and where you live. These factors have the highest chance of impacting your vet costs and are used to calculate your recommended monthly price.
Getting paid back
Getting reimbursed is quick and easy with Fetch. Simply snap a pic of your pet’s vet bill and medical records and submit them through the Fetch app or your account. Claims are typically processed in less than 10 days. Once approved, you'll get paid back up to 90% straight to your bank account via direct deposit.
Brittney & Arya
Fetch Members since 2023
What’s not covered: waiting periods & other pet insurance exclusions
Every pet insurance policy comes with areas that are not covered (known as “exclusions” in insurance-speak). Like other pet insurance providers, we don’t cover tail docking, prescription food, pre-existing conditions and grooming.
Waiting periods apply
There’s a waiting period of up to 15 days before illness coverage begins. Any illness that occurs during this waiting period will not be covered. There is no waiting period for accident coverage and, if added, Wellness coverage. Unlike other insurers, Fetch does not have a waiting period for pets adopted from participating shelters.
You have 90 days to submit claims
Remember to submit your claims within 90 days of your pet’s vet visit. Claims submitted after 90 days won’t be covered.
Pre-existing conditions are not covered
In general, no pet insurance covers 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 probably won't be covered by your new insurer. Fetch is one of just a few providers that cover curable pre-existing conditions. To learn more, read about pre-existing conditions.
Questions about accident & illness pet insurance coverage
Is Fetch Pet Insurance really worth the cost?
Can I get Fetch Pet Insurance if my pet is already sick?
Can I cancel Fetch Pet Insurance anytime?
What's the waiting period for Fetch accident and illness coverage?
Does my pet qualify for Fetch accident and illness coverage?
How long does it take to get reimbursed by Fetch?
Does Fetch cover hereditary and breed-specific conditions?
Does Fetch Pet Insurance cover dental disease?
Fetch is on a mission to help you give your pet a longer, healthier life.
Making the best veterinary care accessible to your dogs and cats — no matter the cost — is just the beginning. When you join Fetch, you’re getting the most complete pet insurance and unlocking a world of exclusive Member Perks on products and services that help you enjoy more good days with your pet.
