How much does pet insurance cost?

With Fetch, the average cost of dog insurance is $35 per month and the average cost of cat insurance is $20 per month. But those are just averages, so tell us about your pet and get your price now.

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You know I’m worth it.

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Is pet insurance worth it?

Pet insurance helps makes vet bills more affordable, so if you're looking for potential savings on future vet trips, the answer is yes — pet insurance is worth the cost. So, what types of veterinary treatment are we talking about?

First of all, Fetch offers the most comprehensive coverage for dogs and cats in the U.S. and Canada, which means we cover more types of injuries and illnesses than other providers. And that’s important because 1 out of 3 pets need unexpected veterinary care each year.

With Fetch, your pet’s coverage includes treatment for injuries like broken bones and ACL tears, and treatment for illnesses like ear infections and heart disease. Plus, we cover name-brand prescription medications, specialty care and so much more. We also cover what other providers charge extra for or don’t cover at all, like injury and disease in every adult tooth (not just the canines), breed-specific conditions and sick-visit exam fees.

Want more examples of Fetch’s unmatched coverage?
Compare other pet insurance providers with Fetch.

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What is a pet insurance premium?

Your pet insurance premium is the amount you pay for your pet’s coverage. It’s just another way of saying how much pet insurance costs. With Fetch, you can choose if you pay monthly, quarterly or annually.

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How does pet insurance pricing work?

‍‍‍ Fetch makes it easy to get a personalized plan that fits your pet and your budget. Your price is based on three key factors: your pet’s age, breed and location. From there, you’ve got options to customize your price. 

How do these factors come into play when determining your pet insurance cost? Younger pets tend to cost less to insure than older ones. Since certain breeds of dogs and cats are prone to different medical issues, your pet’s breed can affect your price as well. Where you live also matters, since the cost of veterinary care varies from place to place.

In case you’re wondering, here are a few things that don’t impact your pet insurance cost when you sign up with Fetch:

Your pet’s sex

Your pet’s medical/behavioral history

Your pet’s spay or neuter status

Your pet’s indoor or outdoor status

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How can I lower my pet insurance cost?

When customizing your plan, you'll be able to choose the deductible, max annual payout and reimbursement rate that's right for your pet and your budget.

Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. Choosing a higher deductible will make your price lower, but you'll pay more out of pocket before your insurance begins paying you back.

Your max annual payout is the maximum amount you can be paid by your insurance provider each year, so choosing a lower max annual payout means your price will also be lower.

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

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How do I get the best value from my pet insurance?

Choosing the right deductible, annual coverage amount and reimbursement rate is all about finding a sweet spot where the value is right for you and your pet.

For example, let’s say you have a young, healthy puppy. You might want to choose a low deductible (say $250) along with a low annual coverage amount ($5,000). That way you start getting paid out quickly, and you'll likely be covered in the case of an accident like a swallowed toy.

But if you have an older pet, or you’re just worried about large vet bills, you might want to go with a high deductible along with a high annual coverage amount.

Want to see the specifics on how adjusting your deductible, max annual payout and reimbursement rate can impact your pet insurance cost? Customize your plan.

We know the insurance world can be a little confusing, so to learn more about how it all works, check out our pet insurance guide.

And remember: no matter what kind of plan you choose, with Fetch you still get the most comprehensive coverage. You and your pet deserve the very best — and that’s what we're here for, no matter how much you choose to pay.

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