More protection for adopted pets

#1 pet insurance for shelter & rescue pets

Designed for the unique needs of shelter and rescue pets

Coverage for common & curable pre-existing conditions

No waiting period for pets adopted from participating shelters

Protect your pet
A shelter worker holding a cute puppy.
A shelter worker holding an adorable little puppy.

Trusted partner of 70+ shelters

Fetch is the first & only pet insurance that covers 7 pre-existing conditions beginning on day one

Chrissy D., Fetch shelter employee

Over 50% of adopted pets suffer from one or more health issues just two days after leaving the shelter. That’s why Fetch gives dogs and cats Pre-Ex Protection™ at no extra cost. This includes coverage to treat 7 common pre-existing conditions starting on day one of your policy’s effective date (there’s no waiting period for newly adopted pets).

Fetch also covers curable pre-existing conditions. If your pet can be completely cured, meaning they go one policy year with no recurrence of signs or symptoms, Fetch will cover their issue.

Get your price

Protection for adopted pets

Coverage built for the unique needs of shelter pets

No upper age limits

Unlike others, Fetch covers dogs and cats 6 weeks and older.

Behavioral therapy coverage

Consult a vet to diagnose and treat new behavioral disorders — covered up to $1,000/yr.

Complete dental coverage

Fetch covers injury and disease in every adult tooth — not just the canines. Others don't.

No breed exclusions

We love (and cover) all breeds and mixes.

Hereditary & congenital condition coverage

We cover conditions linked to breed.

$11 million donated

(and counting!) to shelters and rescues across the U.S. and Canada

Enroll now

Protection for adopted pets

See how Fetch gives adopted pets more

Don’t take our word for it — read stories from Fetch Members.

Stormi the dog with their owner.

Exocrine pancreatic insufficiency
‍Medical costs: $7,225

FETCH PAID BACK: $5,632

“Not having to worry about the cost — thousands of dollars — is huge.”

– Elaine

Stormi’s mom

Sparkle the cat.

15 years of care
Medical costs: $41,434

FETCH PAID BACK: $32,300

“If something happened without Fetch, I’d have to put her to sleep — I don’t have that kind of money.”

– Lee Ann

Sparkle’s mom

Ellie posing with pet parents on their wedding day.

Bacterial infection
Medical costs: $5,896

FETCH PAID BACK: $4,688

“Would’ve been a lot more financially & emotionally difficult without Fetch.”

– Brydon

Ellie’s dad

PROTECTION FOR ADOPTED PETS

See how Fetch gives adopted pets more

Don’t take our word for it — read stories from Fetch Members.

Stormi the dog with their owner.

Exocrine pancreatic insufficiency
‍Medical costs: $7,225

FETCH PAID BACK: $5,632

“Not having to worry about the cost — thousands of dollars — is huge.”

– Elaine

Stormi’s mom

Sparkle the cat.

15 years of care
Medical costs: $41,434

FETCH PAID BACK: $32,300

“If something happened without Fetch, I’d have to put her to sleep — I don’t have that kind of money.”

– Lee Ann

Sparkle’s mom

Ellie posing with pet parents on their wedding day.

Bacterial infection
Medical costs: $5,896

FETCH PAID BACK: $4,688

“Would’ve been a lot more financially & emotionally difficult without Fetch.”

– Brydon

Ellie’s dad

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The Fetch shelter network

Partnering with top shelters throughout North America

Outside view of the Brandywine Valley SPCA.

Brandywine Valley
SPCA

The Brandywine Valley SPCA cares for more than 16,000 animals across Pennsylvania and Delaware each year.

Learn more

Outside view of the Charleston Animal Society.

Charleston Animal Society

Charleston Animal Society seeks to make South Carolina a no-kill state by 2024.


Learn more

Outside view of the Hawaiian Humane Society.

Hawaiian Humane Society

The Hawaiian Humane Society is dedicated to promoting the humane treatment of all animals.

Learn more

Outside view of the Humane Society of the Pikes Peak Region.

Humane Society of the Pikes Peak Region

The Humane Society provides compassionate care and socially conscious sheltering services.

Learn more

Outside view of the Humane Society of Tampa Bay.

Humane Society of Tampa Bay

HSTB’s state-of-the-art facility is home to around 400 adoptable pets.

Learn more

Outside view of the Jacksonville Humane Society.

Jacksonville Humane Society

In 2014, JHS led the coalition to make Jacksonville the nation’s
largest no-kill city.

Learn more

Outside view of the North Shore Animal League America.

North Shore Animal League America

Animal League America is responsible for tens of thousands of pet adoptions each year.

Learn more

Outside view of the Ontario SPCA.

Ontario SPCA and Humane Society

The Ontario SPCA and Humane Society has 12 shelter locations and adopts out an average of 7,000 pets per year.

Learn more

Outside view of the Oregon Humane Society.

Oregon Humane Society

Oregon Humane Society finds homes for around 7,000 animals each year and trains vets at its on-site hospital.

Learn more

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The most complete coverage

Expect the unexpected

Shelter pets come with unknowns. That’s why Fetch covers more for every pet at every life stage.

A Fetch shelter rep holding a cute kitten.A Fetch shelter rep holding a cute kitten.

1 out of 3 pets

need emergency veterinary treatment each year

Fetch covers all vets & emergency clinics in the U.S. or Canada

Over 76% of rescue pets

exhibit signs of a behavioral disorder

Fetch covers up to $1,000/yr. for behavioral therapy

A Fetch shelter rep getting snuggled by a cute dog.A Fetch shelter rep getting snuggled by a cute dog.
A Fetch shelter rep holding up a cute dog.A Fetch shelter rep holding up a cute dog.

1 out of 4 pets

experience a traumatic dental injury

Fetch covers every tooth, plus gums

Over 50% of adopted pets

suffer from one or more health issues just two days after leaving the shelter

Fetch covers common pre-existing conditions for newly adopted pets: upper respiratory infection, ear mites, kennel cough, feline herpes, conjunctivitis, ringworm and puppy pyoderma (skin infection).

A Fetch shelter rep with a cute dog.A Fetch shelter rep with a cute dog.
Get your price

Trusted by top shelter leaders

See how Fetch supports trusted shelters

CEO of San Diego Humane Society holding a kitten.CEO of San Diego Humane Society holding a kitten.

Fetch is the first pet insurer I’ve seen to truly address pre-existing conditions and remove real barriers to adoption. That’s why they’re our insurer at San Diego Humane Society.

CEO of The Humane Society of TampaCEO of The Humane Society of Tampa

I am thrilled to have partnered with Fetch Pet Insurance. They ease the transition for pet parents, providing peace of mind knowing that their new family members are protected with the most comprehensive coverage.

CEO of Brandywine Valley SPCA.CEO of Brandywine Valley SPCA.

It’s important to us that these pets and their families have the best possible resources for the rest of their lives, including pet insurance. Fetch is the best security we can give them.

Hawaiian Humane Society CEO holding a dog.Hawaiian Humane Society CEO holding a dog.

With Fetch…we're setting the foundation for lasting, healthy relationships… this holistic approach to animal welfare is what truly makes Fetch the #1 pet insurance provider in our eyes.

CEO of Arizona Humane Society.CEO of Arizona Humane Society.

Providing affordable and accessible veterinary care is essential for keeping pets out of overcrowded shelters. Fetch Pet Insurance keeps pets and people together.

CEO of Ontario SPCA.CEO of Ontario SPCA.

We take a holistic approach to caring for an animal and pet insurance is part of that. We advocate for emergency preparedness and for being a responsible animal caregiver.  Fetch has that same approach.

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Fetch is proud to partner with Project Street Vet

Fetch supports Project Street Vet’s life-saving mission to provide free veterinary care to the pets of people experiencing homelessness.

Learn moreFetch and Project Street Vet logo lockup.
Dr. Kwane Stewart treating a puppy.

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.™

Most Fetch shelter partners do not have a waiting period for pets who enroll in a Fetch Pet Insurance policy within 24 hours of adoption, based on the list of all Fetch shelter partners, as of October 2025.

Fetch has provided over $11 million in support to shelter and rescue pets as of Dec. 2025.

Up to 70% of adopted pets go to their new homes with insurance according to Fetch data as of July 2025.

1 out of 3 pets need emergency veterinary treatment each year according to Forbes Advisor, Pet Insurance Statistics 2025, January 2025.

1 out of 4 pets experience a traumatic dental injury according to a study in the Journal of Veterinary Dentistry. Dr. Julie Buzby. September 2024.

76.9% of dogs showed at least some level of stranger-directed aggression 180 days after adoption according to a study by PLOS One. August 2023.

Fetch Pre-Ex Protection provides coverage for the listed pre-existing conditions at no extra cost and with no waiting periods.

Over 50% of adopted pets suffer from one or more health issues just two days after leaving the shelter according to a study of canine post-adoption support published in Animals, a peer-reviewed open-access scientific journal. April 2025.

#1 pet insurance provider for shelter and rescue pets according to Sherry Silk, CEO, The Humane Society of Tampa Bay, Anna Neubauer, CEO, The Hawaiian Humane Society, Dr. Steven Hansen, CEO, The Arizona Humane Society, Adam Lamb, CEO, The Brandywine Valley SPCA, and Alison Cross, Senior Director, Ontario SPCA & Humane Society. The Humane Society of Tampa Bay, The Hawaiian Humane Society, The Arizona Humane Society, The Brandywine Valley SPCA, and The Ontario SPCA & Humane Society are Fetch partners.

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 complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. Forbes Advisor is a Fetch partner. 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, according to Fetch data. 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.