Pet insurance in Minnesota — coverage for dogs & cats
Get your price
Lake Harriet, Minnesota
Jess & Marni
Fetch Members since 2023
How much does pet insurance in Minnesota cost & does my pet need it?
You can protect your pet with Fetch in Minnesota for an average of $34/mo. for dogs and $30/mo. for cats. If you have a young pet, Fetch is the best pet insurance at the best price for puppies and kittens everywhere. Pets in Minnesota have unique health risks that Fetch covers, including tick-borne diseases, such as Lyme and Anaplasmosis, harsh winter injuries and environmental infections. Fetch also covers every veterinarian, specialist and emergency clinic in the state (we don’t have any networks), so you can help give your pet a longer, healthier life without breaking the bank no matter where you live.
Fetch is the most complete pet insurance for accidents & illnesses in Minnesota
Coverage others upsell you on comes standard with Fetch, including for dental diseases, sick-visit exam fees, behavioral therapy, telehealth and more. Fetch makes it more affordable and convenient to give your pet the best veterinary care in Minneapolis, St. Paul, Rochester, Duluth and throughout the state.
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
Common pet health risks in Minnesota
From hiking Minnehaha Falls to playing fetch in the snow, Minnesota is a wonderful place for a pet to call home. Cold winters and a robust tick population also mean there’s a higher likelihood for certain injuries and illnesses. That’s why Fetch covers what others charge extra for or don’t cover at all in Minnesota — including for these common conditions.
Examples with a 90% reimbursement rate when the $300 deductible has been met:
What is Lyme disease in dogs?
Lyme disease is caused by Borrelia burgdorferi — bacteria from black-legged (deer) ticks. If your dog is bitten by an infected tick, it can transmit the disease. Cats usually don’t become ill.
How Lyme affects pets: Signs typically appear up 2-5 months after a dog was first infected. By this time, the disease can be widespread in a pet’s body. Symptoms vary, and can include limping that shifts from leg to leg, a fever, loss of appetite, decreased activity, swollen lymph nodes and painful, swollen joints.
Why pets in Minnesota are at an increased risk
Its location in the upper-Midwest makes Minnesota a hot spot for the black-legged tick. Companion Animal Parasite Council (CAPC) consistently flags Minnesota as a top state for canine Lyme disease, and the Minnesota Department of Health calls Lyme "the most common tickborne disease reported in Minnesota."
Lyme disease
Fetch pays back: $200
Average cost to treat: $223
What is Leptospirosis?
Leptospirosis is a disease caused by Leptospira bacteria, which is found in soil and water. It typically affects dogs and is much rarer in cats.
How Leptospirosis affects pets: Common signs include loss of appetite, vomiting, lethargy, abdominal pain, diarrhea, jaundice (yellowing of the skin), dehydration, drinking or urinating more than usual, weight loss and stiffness or muscle pain.
Why pets in Minnesota are at an increased risk
Dogs exposed to slow-moving or stagnant water sources, like ponds, rivers, lakes or streams are at risk for contracting Lepto, according to the American Veterinary Medical Association (AVMA). The 11,000+ lakes in Minnesota make local dogs vulnerable to Leptospirosis.
Leptospirosis
Fetch pays back: $1,705
Average cost to treat: $1,895
What is Anaplasmosis?
Anaplasmosis is a bacterial tickborne disease spread to dogs by bites from black-legged (deer) ticks. It’s less common in cats.
How Anaplasmosis affects pets: Once bitten, a tick must stay attached for 24-48 hours to transmit the bacteria. After that, it takes 1-2 weeks for clinical signs to appear. Some dogs with Anaplasmosis may never show symptoms of illness or require treatment, but those that do commonly get a fever, have a decreased appetite and are lethargic or dehydrated. Infected dogs typically respond quickly to antibiotics.
Why pets in Minnesota are at an increased risk
The upper Midwest is one of the most common locations for Anaplasmosis infections, according to Cornell University College of Veterinary Medicine.
Anaplasmosis
Fetch pays back: $216
Average cost to treat: $241
What is Blastomycosis?
Blastomycosis sometimes called "blasto," is a serious fungal infection in dogs (and less commonly cats) caused by fungi known as Blastomyces dermatitidis or Blastomyces gilchristii.
How Blastomycosis affects pets: Dogs are usually infected through the respiratory tract, according to VCA Animal Hospitals, with lung disease being the most common way. Signs can also include fever, depression, weight loss, decreased appetite, draining skin lesions and more.
Why pets in Minnesota are at an increased risk
The fungus that spreads Blastomycosis thrives in moist soil near waterways, like those in Minnesota.
Blastomycosis
Fetch pays back: $227
Average cost to treat: $253
What is frostbite?
When the temperature drops below 32°F (0°C), blood vessels close to the skin start to constrict. In extreme cold, or when dogs are exposed to cold for long periods, blood flow to some areas of the body can plummet. This is common in paws, ears and tails. If the tissues freezes, it causes severe injury.
How frostbite affects pets: Frostbite is most likely to happen in body parts farthest from the heart and in more exposed areas. Older dogs, short-haired or hairless breeds, wet paws and smaller breeds are all at a higher risk. Symptoms include skin color changes, brittle skin, swelling, pain and blackened, blistering skin.
Why pets in Minnesota are at an increased risk
Minnesota’s intensely cold winters make the state’s dogs (and cats who venture outside) particularly vulnerable to frostbite.
Frostbite
Fetch pays back: $209
Average cost to treat: $233
What are seasonal allergies for pets?
Like humans, dogs and cats can have an immune response to pollen, mold and fungi.
How seasonal allergies affects pets: Dogs and cats show allergy symptoms like humans, but they experience them differently — mostly through their skin. Signs include excessive scratching and biting of their skin or red, inflamed, or infected skin, excessive shedding, dogs with compulsive paw licking, anal gland licking, “boot scoots,” chronic ear infections or red, waxy ears and respiratory issues.
Why pets in Minnesota are at an increased risk
In Minnesota, April to June is peak for tree pollen, May to July is peak for grass pollen and weed pollen is prevalent from August until a hard frost forms in fall.
Seasonal allergies
Fetch pays back: $176
Average cost to treat: $196
How to get paid back for vet bills in Minnesota
It’s fast and easy to get reimbursed for approved claims with Fetch.
1
You pay the vet
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Snap a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
Minnesota pet laws every dog & cat parent should know
Minnesota law sets clear standards for how pets must be cared for — and violations can result in animal cruelty charges. Here's what every pet parent in the North Star State needs to know.
Suitable dog shelter
Dogs that live mostly outdoors or in an unheated enclosure are required by Minnesota law to have a wind-proof, moisture-proof structure large enough to retain body heat, with a solid or raised floor at least 2 inches off the ground. Between November 1 and March 31, a windbreak at the entrance is required. Suitable bedding must be provided at all times.
Rabies vaccination
Keeping your pet's rabies vaccine current is a key part of responsible pet parenting — and a legal requirement in Minnesota for all dogs and cats 4 months of age and older, per the Minnesota Board of Animal Health. Pet parents are required to provide proof of vaccination for pet licensing in most Minnesota municipalities, including Minneapolis, St. Paul and Duluth. Get reimbursed for rabies vaccinations by adding an optional Fetch Wellness plan for routine care to your pet’s coverage.
Clean water for pets
Dogs and cats must have access to clean, potable water in sufficient quantity at all times. Snow or ice does not qualify as an adequate water source under Minnesota law — a critical distinction given the state's winters.
Get reimbursed for the routine care that helps keep your pet healthy in Minnesota
When you sign your pet up for Fetch, you have the option to add a Wellness plan to your pet insurance, so you’ll also get money back for preventive visits (think: vaccines, annual checkups, dental cleanings, spaying, neutering and more). With coverage for both unexpected and routine vet visits, your pet (and your wallet) will have total protection.
Get your price
Jessica & Quinn
Fetch Members since 2022
Your Minnesota pet insurance questions, answered
How much does Fetch pet insurance cost in Minnesota?
Fetch costs an average of $30/mo. for cats and $34/mo. for dogs in Minnesota. In addition to location, your price is based on the age of your pet and its breed. Common dog breeds in Minnesota, including Golden Retrievers and Labs, are prone to hereditary and congenital conditions. Fetch covers these in every policy. Other insurers have limits on this coverage, don’t offer it at all or they charge extra for it.
Does Fetch Pet Insurance cover pre-existing conditions in Minnesota?
Fetch doesn't cover all pre-existing conditions — no pet insurance does. These are injuries, illnesses or conditions that show symptoms before you sign up or during the waiting period of up to 15 days. Unlike others, Fetch does covers curable pre-existing conditions. Curable pre-existing conditions are medical issues that can be completely cured with no recurrence of signs or symptoms. Think: urinary tract infections, upper respiratory infections, bite wounds and conjunctivitis. In order for the condition to be considered curable, your pet must go 1 year (beginning on your policy’s effective date) completely symptom-free from the issue. It can be during the first or the second year after you sign up.
Does Fetch cover dental disease for pets in Minnesota?
Fetch covers dental disease in every adult tooth, plus gums — not just the 4 canines like some providers, or no dental disease at all like others. According to the American Veterinary Dental College, more than 80% of dogs and 70% of cats show signs of periodontal disease by age 3, making full-mouth dental coverage essential for pet parents in Minnesota.
Can I use any veterinarian in Minnesota with Fetch?
Yes, Fetch covers all licensed vets in every city and town in Minnesota, from Andover to Zimmerman. This includes specialists and emergency clinics as well — there are no networks with Fetch. You can file claims for vet bills and get up to 90% of what you paid back in Duluth, St. Cloud, Minneapolis and throughout the state.
Is Fetch Pet Insurance available in Minneapolis and St. Paul?
Yes, Fetch Pet Insurance is available throughout the state of Minnesota, including in Minneapolis, St. Paul, Rochester and Duluth. Fetch also covers every licensed veterinarian in the state and throughout the U.S. and Canada. This includes specialists and emergency clinics — there are no networks with Fetch.
What is the waiting period for Fetch Pet Insurance in Minnesota?
For Minnesota pet parents that sign up with Fetch, there is no waiting period for accident coverage or Wellness coverage (if added). Illness coverage begins when your 15-day waiting period ends.
Does Fetch offer a wellness plan in Minnesota?
Yes, Fetch does offer optional preventive care in Minnesota — Fetch Wellness. When you add this to your accident and illness coverage, you’ll also get reimbursed for the routine vet visits that help keep your pet healthy (think: annual exams, spaying, neutering, vaccines and more). Minnesota has higher than average rates of tick-borne illnesses, including Lyme disease and leptospirosis. Fetch Wellness helps you protect your pet with preventive care to make these illnesses less likely.
How does Fetch handle claims for Minnesota pet parents?
Getting reimbursed for claims in Minnesota is fast and easy. First, you pay your vet at your pet’s visit. Then, simply snap a photo of your paid invoice and submit it in the top-rated Fetch app along with any supporting medical records. Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, you'll get paid back up to 90% straight to your bank account via direct deposit.
What are the biggest pet health risks in Minnesota?
Pets in Minnesota, especially dogs that spend a lot of time outdoors, are more susceptible to tick-borne diseases, including Lyme and Anaplasmosis, waterborne infections, like leptospirosis or blastomycosis, seasonal allergies and cold-weather injuries (think: hypothermia or frostbite) from harsh winter conditions. These risks make the most complete coverage for injuries and illnesses that Fetch provides, as well as preventive care, such as the vaccines covered when you add an optional Fetch Wellness plan to your insurance, especially important in Minnesota.
How does Fetch Pet Insurance compare to other pet insurance in Minnesota?
Fetch covers what other pet insurance providers don’t cover at all or charge extra to cover. Put simply, Fetch has the most complete coverage in Minnesota and throughout the U.S. and Canada. See a side-by-side comparison of how Fetch compares to other pet insurers in the pet insurance buyer's guide.
