Get them the best pet insurance.

Fetch by The Dodo exists to help you and your pet enjoy more good days together. It’s why we cover more accidents and illnesses than most providers. We make vet bills more affordable, so you can give your pet the care they need to live their longest, healthiest, happiest life.

Protecting 325,000+ dogs and cats

No enrollment fee, cancel anytime

Get back up to 90% of unplanned vet bills

Get your price
Border collie sitting in a wooden chair in front of a blue backdrop.

I worry about gum disease. My toothbrush is an old stick.

One simple pet insurance plan for puppies, dogs, kittens & cats.

Life with pets is full of surprises — including the occasional injured paw or stomach ache. With Fetch, you’re prepared. Whatever treatment your best friend needs, you have the best pet insurance to help cover the cost.

Like other providers, we’re unable to cover pre-existing conditions. We recommend signing up when your pet is a puppy or kitten, so you’re covered if they should ever get sick or hurt. And if you’ve adopted an older pal, now’s the time to decide if pet insurance is right for you. The sooner you get Fetch, the sooner we can help.

Hand holding a phone showing the ability to customize your price.

Customize your pet insurance price to fit your budget.

Fetch determines the most accurate price (aka your premium) for your pet insurance plan based on your pet’s breed, age and where you live. After that, you can customize three factors — your deductible, annual coverage amount and reimbursement rate — in order to pay less or get paid back more.

  • Your deductible is the amount of vet care you need to pay for yourself before we can reimburse you for approved claims. Choosing a higher deductible will make your price lower.

  • Your annual coverage amount is the maximum dollar amount you can be paid back each year. Choosing a lower annual coverage amount will make your price lower.

  • Your reimbursement rate is the percentage of an approved claim total that we can cover. You can choose 70%, 80% or 90%. Choosing a lower reimbursement rate will make your price lower.

Get your price

See the average price for pet insurance in your area.

The average pet insurance cost varies across the U.S. That’s because the cost of veterinary care varies, too. Check out the average price in your state. And remember, Fetch works with any vet in the U.S. (and Canada) so your pet is covered at home and when they join you on your travels.

New York

Plans average

$38/month for dogs

Plans average

$21/month for cats

The average monthly dog premium in NY, U.S. is $38. The most common limit is $15,000, the most common deductible is $300, and the most common copay is 80%. The average monthly cat premium in NY, U.S. is $21. The most common limit is $10,000, the most common deductible is $300, and the most common copay is 80%. The average cost of treatments is based on Fetch claims data in New York from 3/10/22 to 4/13/22.

California

Plans average

$42/month for dogs

Plans average

$28/month for cats

The average monthly dog premium in CA, U.S. is $42. The most common limit is $15,000, the most common deductible is $300, and the most common copay is 80%. The average monthly cat premium in CA, U.S. is $28. The most common limit is $15,000, the most common deductible is $300, and the most common copay is 80%. The average cost of treatments is based on Fetch claims data in California from 3/10/22 to 4/13/22.

Texas

Plans average

$29/month for dogs

Plans average

$19/month for cats

The average monthly dog premium in TX, U.S. is $29. The most common limit is $10,000, the most common deductible is $300, and the most common copay is 80%. The average monthly cat premium in TX, U.S. is $19. The most common limit is $10,000, the most common deductible is $300, and the most common copay is 90%. The average cost of treatments is based on Fetch claims data in Texas from 3/10/22 to 4/13/22.

Florida

Plans average

$34/month for dogs

Plans average

$14/month for cats

The average monthly dog premium in FL, U.S. is $34. The most common limit is $5,000, the most common deductible is $300, and the most common copay is 80%. The average monthly cat premium in FL, U.S. is $14. The most common limit is $5,000, the most common deductible is $300, and the most common copay is 80%. The average cost of treatments is based on Fetch claims data in Florida from 3/10/22 to 4/13/22.

Pennsylvania

Plans average

$38/month for dogs

Plans average

$20/month for cats

The average monthly dog premium in PA, U.S. is $38. The most common limit is $10,000, the most common deductible is $300, and the most common copay is 80%. The average monthly cat premium in PA, U.S. is $20. The most common limit is $10,000, the most common deductible is $300, and the most common copay is 80%. The average cost of treatments is based on Fetch claims data in Pennsylvania from 3/10/22 to 4/13/22.

Protecting pet parents against unexpected veterinary bills.

Dante the St. Bernard.

Dante

St. Bernard mix

Ruptured disc

Medical costs: $18,453
Fetch paid back: $11,691

“I think pet insurance is 100% a must-have. It's peace of mind. It's the thing you hope you never need. But when you do, it comes through for you like a lifesaver.”

— Vaish and Matangi
Dante’s parents

Reuben the Chihuahua.

Reuben

Chihuahua mix

Ruptured disc

Medical costs: $27,019
Fetch paid back: $20,604

“After one of Reuben’s discs had burst, Fetch made it possible for him to get the surgery and ongoing care needed to live a happy life. There’s no other way we could have done it.”

— Jonathan and Shahar
Reuben’s parents

bully breeds outside

Greyson

Pitbull

Swallowed object

Medical costs: $3,466
Fetch paid back: $2,457

“It’s just such a peace of mind having pet insurance and knowing that, if anything happens, they’re covered.”

— Mishel and Gert
Greyson’s parents

Diego the cat.

Diego

Mixed breed

Bladder stones

Medical costs: $21,436
Fetch paid back: $18,042

"Just like humans, insurance offers peace of mind that you are protected, at least financially, for your pets' needs. That's what's really important about having pet insurance."

— Clay and Michael
Diego’s parents

George the Schnoodle

George

Schnoodle

Heart disease and cancer

Medical costs: $35,689
Fetch paid back: $28,370

“I enrolled in Fetch because I would never want to be in the position where I have to choose between him and my life savings. I can’t even imagine how I would’ve done this without pet insurance.”

— Lauren
George’s parent

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

Waldorf

Pitbull

ACL tear

Medical costs: $4,607
Fetch paid back: $3,685

“Fetch is that safety net and peace of mind that medically he was going to be okay, financially we would be okay.”

— Elizabeth and Andrew
Waldorf’s parents

More questions about pet insurance? We have answers.

What does pet insurance cover?

Pet insurance helps you cover the cost of unexpected veterinary bills when your pal gets sick or hurt. Fetch provides the most comprehensive pet insurance coverage available, and pays back up to 90% of the cost of care. We even cover sick-visit exams fees, breed-specific issues and your pet’s teeth and gums.

What doesn’t pet insurance cover?

Pet insurance covers future accidents and illnesses. Any health issue your vet noted before you signed up for insurance, during the waiting period or prior to the first exam, is considered a pre-existing condition and cannot be covered. Fetch is also unable to cover routine care, prescription food and grooming and cosmetic procedures.

When should I get pet insurance?

The key to ensuring your pet has the best accident and illness coverage possible is to enroll before they need it. We recommend signing up your kitten or puppy so that future illnesses or injuries can be covered. Fetch covers pets of any age, so it’s also important to sign up an older pet before they develop any health issues.

How do I pick the best plan?

Fetch offers the most comprehensive coverage in our one simple plan. There are a few factors you can customize to make sure your price fits your budget: your deductible, annual coverage amount and reimbursement rate. See how to customize your price to find the value that is right for you.

How much does pet insurance cost?

A Fetch pet insurance plan averages $35/month for dogs and $25/month for cats — and even less for puppies and kittens. How do we do it? The research and data we gather gives you the most accurate and personalized pricing based on your pet’s breed, age and location.

Does Fetch have any pet insurance offers or discounts?

Once you sign up with Fetch, you can save on your payment plan by choosing quarterly or annual billing. And you can earn up to 15% off for keeping your pet healthy in the first year of enrollment with the Healthy Pet Credit.

Does Fetch only cover dogs and cats?

Yes, Fetch only provides pet insurance coverage for dogs, puppies, cats and kittens. We do not cover birds, bunnies, lizards and other exotic pets.

How does Fetch compare to other pet insurance companies?

We cover what other providers charge extra for or don’t cover at all. Things like breed-specific issues and comprehensive dental coverage are standard in our one simple plan.

Is pet insurance right for me?

If you’re looking for help with future vet bills for new illnesses or accidents, the answer is yes. But if you’re at the vet with a sick or injured pet right now, it might not be worth it — at least for the issue your pet currently has. It would be considered a pre-existing condition and pet insurance companies don’t cover them.

Helpful articles on pet insurance, pet-parenting & more.

Read up on the latest pet-parenting tips and health advice when you visit The Dig — your educational resource for all things dogs and cats. Want to learn more about pet health insurance? Check out what the experts have to say:

Top stories from The Dig

See why Fetch pet insurance is rated excellent by pet parents.

We can say that we provide the best pet health insurance, but what matters is whether pet parents feel that way. We’ve helped thousands of dog moms and cat dads cover unexpected medical bills for the pets they adore. Here are just a few things they have to say about Fetch:

Get your price