Prices for pet insurance — what dogs & cats cost monthly

How much does pet insurance cost?

The average monthly pet insurance price for Fetch is $34/mo. for dogs and $22/mo. for cats. Your price will vary depending on 3 key factors: your pet’s age, their breed and where you live. Fetch is the best coverage for puppies and kittens at the best price.

Get your price
Coco Pop the dog with mom.

Coco Pop & Naomi

Patella surgery costs:

$28,776

Fetch paid back:

$21,331

Pet insurance quotes: how breed affects monthly premiums

Some breeds are more likely to have medical issues than others (think: breathing problems in Bulldogs or heart issues in Maine Coons). These breeds generally have higher vet bills, so your pet insurance price will reflect this. Fetch covers more injuries and illnesses than other insurers — including hereditary and congenital conditions for all breeds.

Dog breeds
Cat breeds

French Bulldog

$71/mo. on avg.

Golden Doodle

$50/mo. on avg.

German Shepherd

$53/mo. on avg.

Golden Retriever

$50/mo. on avg.

Maltipoo

$35/mo. on avg.

Shih-Tzu

$30/mo. on avg.

Siamese

$29/mo. on avg.

Mixed Breed

$27/mo. on avg.

Maine Coon

$35/mo. on avg.

Domestic
Shorthair

$24/mo. on avg.

Domestic Medium Hair

$25/mo. on avg.

Domestic
Long Hair

$27/mo. on avg.

Did you know?

The most common conditions for dogs and cats are GI issues (think: vomiting and diarrhea), according to NAPHIA (North American Pet Health Insurance Association). Fetch provides complete coverage and up to 90% reimbursement for these issues and more.

1 in 4 dogs

had a $1,000+ vet bill for GI-related issues last year, according to Fetch claims data

Get up to 90% back

Compare insurers & prices: Fetch covers what others charge extra for or don’t cover at all

While others may look less expensive at first, their inferior coverage will end up costing you more. Here’s how: Pet insurers like Spot, Pets Best and Lemonade will give you a monthly price that looks low at first. But once you get closer to purchasing, they’ll ask if you want to add coverage for dental, behavioral issues and more. Even with those add-ons, your coverage will not match what comes standard with Fetch — the most complete pet insurance.

Get more money back with Fetch


$889 vet bill to treat anxiety

Monthly payment

What you’re reimbursed

Fetch Pet Insurance

$27.51

Covered

$889.00

Spot

$19.79

Not covered

$311.20

Pets Best

$21.91

Not covered

$71.00

Lemonade

$14.97

Not covered

$71.00

Sample claim to treat anxiety for a small, mixed-breed, 1-year-old dog in Tampa, FL

100% reimbursement on 8 coverage areas — included at no extra cost

Fetch is the only pet insurance that builds full reimbursement for behavioral therapy, medications, online vet visits and more into every policy — this means there is no copay and no deductible for these coverages.

8 areas with full reimbursement — covered $1,000/yr. each

  • Behavioral therapy

    While many providers don’t offer coverage for behavioral therapy, Fetch puts 100% of the cost for this back in your pocket.

  • Medications

    Fetch is the only insurer that gives you 100% reimbursement on qualifying pet meds from our online pharmacy.†

  • Boarding

    Unlike others, Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.

  • Online vet visits

    24/7 access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch. Others don’t do this.

  • Find a lost pet

    Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.

  • Stolen or stray pet

    In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.

  • Canceled vacation

    If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.

  • Passing of a pet

    In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.

Learn more about all 100% reimbursement coverages

Get your price

Get the best coverage at a lower cost: How to customize your deductible & more

With Fetch, you can customize your price to fit your pet and your budget. It’s easy — when you get your quote, simply adjust these 3 factors to find what’s right for you. Other providers, like Trupanion, require that all pets have unlimited coverage at a higher cost when that’s not right for all pets or all budgets.

  • Annual deductible

    What is a deductible?

    ‍    Your deductible is the amount of veterinary care you need to pay for yourself each year before your insurer starts reimbursing you.

    Example: If your pet insurance annual deductible is $300, you have to pay for $300 worth of approved veterinary care before you can start getting paid back for claims.

    How does my deductible affect price?
    ‍    Choosing a higher deductible will make your price lower.

  • Max annual payout

    What is a max annual payout?

    The maximum dollar amount you can get paid back each year (sometimes this is called an “annual limit” in insurance-speak).

    Example: If your max annual payout is $15,000, the maximum amount your pet insurance can reimburse you is $15,000.

    How does my max payout affect price?

    Choosing a lower max annual payout will make your price lower.

  • Reimbursement rate

    What is a reimbursement rate?
    Your reimbursement rate is the percentage of your vet bill that your insurance will cover.

    Example: If your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.

    How does a reimbursement rate work?
    Choosing a lower reimbursement rate will make your price lower.

Customize your price

Claims process: How reimbursements work

  1. 1

    You pay the vet

    With Fetch, you can use any vet in the U.S. or Canada — we even cover specialists and emergency clinics. Just remember: You pay your bill at the vet’s office.

  2. 2

    Download the Fetch app & submit a claim in minutes

    Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.

  3. 3

    We reimburse you

    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.

Get your price
Sage the dog getting kisses from mom.

“I got my reimbursement within 1 week, so finances were never something I had to stress about during Sage’s healing process.”

Brianne & Sage

Fetch Members since 2023

Pet insurance plans & coverage options

Not all pet insurance is created equal. That’s why it’s important to know exactly what is and is not included. When you enroll in Fetch, you’ll get the most complete protection for accidents and illnesses — the things you can’t see coming. Wellness coverage for routine and preventive care is an optional add-on.

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

Explore Accident & Illness

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

See full coverage

Save on dental pet insurance costs

Up to 90% of pets get dental disease, according to Cornell University College of Veterinary Medicine, and if left untreated, it can affect their overall health. That’s why Fetch covers injury and disease in every adult tooth — others only cover the 4 canines or don’t include dental illness in their insurance, so you won’t get coverage for periodontal disease, the most common disease in dogs and cats. Protect your pet (and your wallet) with complete dental coverage, and help give your pet a healthier life.

Rumple the cat taking a nap.

Rumple

Multiple tooth extraction surgery:

$4,164

Fetch paid back:

$3,748

Pet dental care adds up fast

Get paid back up to 90% for these procedures and more with Fetch’s complete dental coverage.

Dental procedure

Cost (on avg.) per procedure

Fetch Pet Insurance

pays back

Root canal

$3,140

$2,826

Periodontal (gum disease) treatment

$1,389

$1,250

Oral surgery

$620

$558

Get your price

Questions about the average cost of Fetch Pet Insurance & more — answered

Get your free quote

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.

Fetch Pet Insurance | Love Longer.™

Individuals and pets that appear have been insured by Fetch.



The most common condition both dogs and cats experience is vomiting or diarrhea according to the North American Pet Health Insurance Association (NAPHIA), State of the Industry Report, 2025 Highlights. April 2025.



1 in 4 dogs with GI issues had $1,000+ in stomach-related vet bills in 2024 according to data from Fetch policyholders who filed 1 or more claims for canine gastrointestinal issues Jan. - Dec. 2024.



The average monthly premium in the U.S. for a French Bulldog ($71/mo.), a Golden Doodle ($50/mo), a German Shepherd ($53), a Golden Retriever ($50), a Maltipoo ($35), a Shih-Tzu ($30), a Siamese ($29), a Mixed-Breed Cat ($27/mo.), a Maine Coon ($35/mo.), a Domestic Shorthair Cat ($24/mo.), a Domestic Medium Hair ($25/mo.) and a Domestic Long Hair ($27/mo.) calculated using all policy configurations for the total amount of active policies of that breed, for the period of 01.01.25 through 11.01.25.



Provider comparisons contained herein was prepared solely by Fetch based upon a comparison of the company’s policy form or core policy coverages available on Trupanion’s Healthy Paws’s Lemonade’s and Spot’s website as of March 2026.



Monthly premium is for a 1 year old small mixed breed in Tampa Florida (zip 33602) with a $5,000 / $500 / 80% policy configuration, no wellness. Monthly premiums do not include any taxes or fees. Lemonade & Pets Best Pricing does not include optional add on for Exam Fee. Fetch reimbursement reflects zero copay and zero deductible on Behavioral and Televet Services.



†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx.



80%-90% of dogs have periodontal disease according to a study of dogs over the age of 3, published in Cornell University College of Veterinary Medicine's DogWatch newsletter. October 2022.

50%-90% of cats will get dental disease according to a study of cats over the age of 4, published in Cornell University College of Veterinary Medicine's CatWatch newsletter. March 2022.



Vet bill costs are based on Fetch claims data from puppies with annual policy terms between 1.1.2024 - 12.31.2024, where the dogs are 0-2 years of age. Fetch paid back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500 where the deductible may or may not have been met and a reimbursement rate of 90%.



Dental costs for procedures, like root canals, can cost thousands of dollars based on 2024 - 2025 Fetch claims data of root canal procedures with an average claim amount of $3,140. Dental vet bill costs, excluding root canals, are based on Fetch claims data from February 2026. Fetch paid back is based on a policy with a reimbursement rate of 90%.where the annual deductible has been met.



Rated A+ by the Better Business Bureau (BBB) as of March 2026.



The prices listed for emergency visits and surgeries are based on publicly available 2025 rates from Access Veterinary Care in Minneapolis and are provided for reference only. Actual costs at your local vet clinic may be different. Accessed from Pawlicy Advisor, How Much Does a Vet Visit Cost? (2026 Price List). March 2026.

Every six seconds a pet owner is faced with a vet bill of $1,000 or more according to Forbes Advisor, Pet Insurance Statistics 2025. January 2025.



The prices listed are based on publicly available 2025 rates from Access Veterinary Care in Minneapolis and are provided for reference only. Actual costs at your local vet clinic may be different. Accessed from Pawlicy Advisor. March 2026.

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 or province 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. ©2026 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. 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. Made for More and Love Longer are trademarks 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 for dogs and cats, using the most common coverage configuration of $10,000 annual limit, $300 deductible, and 80% reimbursement rate for the period of 07.01.2024 through 06.30.2025. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 4.1.2026.

Average savings of $40+ per order derived from actual Fetch member purchase data from April–June 2025 in the U.S. and Canada and displayed in U.S. dollars. Savings represent the difference between retail price and price paid through Fetch Deals. Individual results may vary. Fetch Deals 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 Deals program or site. Fetch Deals 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. Please click here to review terms and conditions.