The ins-and-outs of pet insurance

Pet Insurance 101

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Does pet insurance cover surgery?

Surgery is just one of the many things Fetch Pet Insurance covers. Learn more about how we can help keep your pet protected for life's unexpected events.

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How much does it cost to spay a cat?

Spaying a cat prevents more than unplanned pregnancies. Here’s what to know about this procedure and how preventative care can help cover the cost.

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How to choose the best dog insurance plan

Choosing a dog insurance plan that fits your lifestyle is fun with Fetch Pet Insurance.

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How is the cost of pet insurance calculated?

Thinking about signing your cat or dog up for pet insurance? Here’s a breakdown of how your monthly cost is calculated.

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Should I get pet insurance for my dog?

Pet insurance is there to help when your dog experiences health surprises or accidents. Learn why you should sign your pup up today.

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Does pet insurance cover cesarean sections?

Having a pet insurance policy in place can help with unexpected costs tied to births, like cesarean sections.

Fetch Health Forecast and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.
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This is a summary of the coverages in your pet health insurance policy from Fetch. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary, the provisions of the policy shall prevail.

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2025 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

Fetch is a registered trademark owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.

Fetch Health Perks offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Health Perks program or site. Fetch Health Perks is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company.

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