Puppy Insurance

Your best friend deserves the best puppy insurance.

Fetch is the most comprehensive puppy insurance plan in the U.S. & Canada. It gets tails wagging.

Use any veterinarian in the U.S. or Canada

Rated ‘Excellent’ on Trustpilot

Covers up to 90% of unexpected vet bills

Protect your pup

I need every
tooth covered.
I chew a lot of toys.

– Bingo
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Trusted by lifesaving shelters in the U.S. and Canada

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How does Fetch puppy insurance compare?

Fetch covers what other providers charge extra for or don’t cover at all. See how different puppy insurance companies stack up.

Sick-visit exam fees

Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.

A minimalistic line art icon of a dog sitting with a dog recovery cone around its neck with a mint green background.

$1,000 in online vet visits

Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.

Trupanion & Healthy Paws don’t cover this.

Behavioral therapy

Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.

Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.

Every tooth, plus gums

Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.

Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.

Alternative & holistic care

We cover treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness. Not all providers do.

Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.

$1,000 in boarding fees

Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.

And so much more!

Get unmatched coverage

Fetch covers (and loves) dogs of all ages.

We cover dogs of all ages — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Your best friend is your best friend, no matter how many birthdays they’ve had.



6 weeks - 1 year old



Adult dogs
2 - 7 years old



Senior dogs
8 years old & beyond

Get coverage

Rated 4.7 in the App Store & Google Play. *Updated July 2023.

A hand holding a phone displaying pet insurance claims process on the touchscreen.

How does Fetch puppy insurance work?

Use any veterinarian in the U.S. or Canada.

With Fetch, you have the flexibility to keep your current vet or use a new vet if you’d like. We even cover specialists and emergency clinics.

Submit a claim in minutes.

Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.

Get paid back fast.

Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.

Get money back

Explore puppy insurance by breed.

Fetch offers puppy insurance plans to cover every breed, from large breed dogs to small. Check out the average insurance price for your puppy’s breed here and get a free quote for your best friend today.

Get a breed-specific price

French Bulldog

Learn more

Golden Retriever

Learn more


Learn more

Shih Tzu

Learn more

German Shepherd

Learn more

Why veterinarians choose Fetch puppy insurance.

Don’t just take our word for it – here’s what a top veterinarian has to say:

“No one wants to think about accidents or illnesses when it comes to their pup, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your puppy a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

Headshot of Dr. Audrey Ruple

Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board

Protect your pup

See what pet parents say about Fetch puppy insurance.

We’re proud of our 'Excellent' Trustpilot rating and love hearing about how Fetch has positively impacted our community.

If your vet recommends it, Fetch probably covers it.

With Fetch, your pup can see any vet in the U.S. or Canada. Like most other puppy insurance plans, Fetch does not cover pre-existing conditions. That's why it's helpful to get coverage as soon as you can. Getting Fetch means peace of mind, all in one simple puppy insurance plan.

Vet bill costs are based on U.S. puppies' annual policy terms between 1.1.2021 - 12.31.2022, where the dogs are 0-2 years of age. Fetch pays back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500 where the deductible has been met and a reimbursement rate of 90%.

Sick-visit exam fees

Every sick visit comes with an exam fee, which can be around $50 – $250. We cover those exam fees for you. Not all providers do.

Breed-specific issues

Not all providers cover medical conditions linked to breed, like breathing problems in French Bulldogs or kidney stones in Burmese. We do.

Boarding fees

We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Advertising & reward

If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.

Name-brand prescription medications & supplements

We cover medicines like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness.

Customize your plan

Your puppy insurance questions – answered!

What is puppy insurance coverage?

If your pet gets sick or hurt, puppy insurance coverage reimburses you. Fetch puppy insurance offers the most comprehensive coverage in the U.S. and Canada and pays you back up to 90%, making your vet bills more affordable. With Fetch, you won’t have to choose between your wallet and your best friend, and it’s easy to give your puppy the care they need to live their longest, healthiest, happiest life.

Why do I need a puppy insurance plan?

Every 6 seconds, a pet parent is faced with a vet bill of more than $1,000. That doesn’t even take into account the rising cost of inflation, or the fact that veterinary medicine is getting better – and more expensive. Fetch puppy insurance plans give you protection from these increasing costs and peace of mind that’s priceless. From allergies to name-brand prescriptions to a cracked tooth, Fetch can offer coverage for a wide range of injuries and illnesses. As a pet parent with Fetch, you’ll be able to give your puppy the care they need – without worrying about the full cost of vet bills.

When should I get puppy insurance coverage?

The sooner you enroll, the sooner your puppy’s covered. Fetch covers dogs and cats 6 months and older, but to make sure your pup gets as much dog insurance coverage as possible, it's best to sign up before they need it. Like most other puppy insurance providers, Fetch doesn’t cover pre-existing conditions – which is why we recommend signing up as early as possible. Insuring your puppy before health issues develop is recommended, so you and your best friend can live your best lives together.

What’s not covered?

Like most other puppy insurance providers, we don’t cover pre-existing conditions. These are medical conditions that first occurred, or your puppy showed clinical signs of, either before the effective date of your Fetch policy or during the waiting period of up to 15 days. The good news: If your puppy has a medical condition or injury that can be completely resolved without recurrence, or showing any clinical signs – then goes one year from the original incident without any symptoms or treatment, this could be considered a curable medical condition and covered later.

How much does puppy insurance cost and how is it determined?

At Fetch, your puppy insurance plan’s cost will never be affected by sex, medical and behavioral history, spay or neuter status and indoor or outdoor status. So what do we factor in when we’re determining your plan’s cost? It’s simple: your puppy’s age, breed and location. From there, you’ve got options. Here are the different factors you can customize to make sure your price fits your budget.

Puppy insurance terms — decoded:

Maximum annual payout
The maximum dollar amount you can be paid back each year. Choosing a lower max annual payout will make your price lower.

Annual deductible
The amount of vet care you need to pay for yourself before we can reimburse you for claims. Choosing a higher deductible will make your price lower.

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.

How much does a vet visit cost without puppy insurance?

The cost of vet visits without puppy insurance varies widely and depends on factors like your puppy’s breed, age, location and, of course, what brings you and your pup to the vet in the first place.

Let’s say your French Bulldog puppy has a bout of vomiting and diarrhea (dogs, they’re just like us!). Your vet bill would cost, on average, $722 without puppy insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $650 would be covered. Getting Fetch means getting a significant reduction in your vet bill costs, so that your pup gets the medical attention they may need, and you’ll be protected from the full cost of vet expenses if they do.

Why is Fetch puppy insurance worth it?

In addition to offering the most comprehensive puppy insurance in the U.S. and Canada, we offer expert-backed health advice and data-driven insights to help you care for your puppy from the adorable early days to their golden years.

Fetch Health Forecast >
The Fetch Health Forecast is the world’s first predictive AI health tool personalized for your pup. This groundbreaking technology uses 17 years of clinical health findings and 180 million data points from over 800,000 dogs to identify common health conditions. Peek into your puppy’s future health so you can take preventive action today and help your pup live their healthiest, longest life.

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

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