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Pet Insurance 101

How to choose the best dog insurance plan

We'll walk you through it.

So you’re considering signing your dog up for Fetch by The Dodo pet insurance. You have so many adventures planned and want to feel secure knowing that your pet’s medical bills will be covered if anything happens. But how do you go about choosing the right plan?

It's a good thing you landed here. We're explaining how you can customize your monthly plan to fit your dog’s lifestyle and needs.

Best dog insurance

When signing up for dog insurance, you want to choose a provider that covers all of the bases. And you should know that Fetch dog insurance plans are the most comprehensive — we cover up to 90% of vet bills for a range of incidents. Here are just some of the ways we’ll be there for your dog:

  • Veterinary exam fees
  • Emergency vet visits
  • Specialist vet visits
  • Comprehensive dental
  • Breed-specific conditions
  • Complete sick visit
  • Injuries and illnesses
  • Virtual vet visits
  • Diagnostic tests
  • Imaging and ultrasounds (like MRIs)
  • Holistic and chiropractic care
  • Behavioral therapy
  • Cancer treatment
  • Surgery and rehabilitation

What is the best pet insurance for senior dogs?

While we’d love nothing more than to cover your dog since they were a baby, we cherish every second your pup is Fetch protected. Even if you welcome an older dog into your life, we still recommend signing up for pet insurance.

RELATED: Should I get pet insurance for my dog?


Fetch by The Dodo

The only pet insurance recommended by The Dodo

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What dog insurance plans also cover dental?

We believe that each dog tooth is important, not just the four canines. That’s why Fetch offers comprehensive dental insurance for oral diseases and injuries.

How much does dog insurance cost?

Using the same data points that power our patent-pending tool, Fetch Forward™, we determine the most accurate pricing based on your pet’s breed, age and location.

Heads up: Our dog insurance plans are designed to work for you. On average, Fetch dog insurance plans cost around $35 per month, but you can customize your rate. Pull these levers to adjust your monthly payment:

Maximum annual payout

This number is the maximum dollar amount you can be paid back per policy year. The higher your max annual payout, the more you'll pay per month.


You're responsible for paying this fixed dollar amount before your insurance kicks in. Higher deductible plans have lower monthly premiums.


Or, the percentage of each covered vet bill you’ll be paid back before you meet your deductible. The higher your reimbursement rate, the more you’ll pay per month.

Here's another bonus: There's no sign-up fee, and you can cancel anytime.

How do I start a pet insurance quote?

Figuring out what your monthly plan would cost is simple. Just input your email and answer a couple of questions about your pet and location to get your quote.

Pet insurance reviews

Do you want to learn more about how we helped other pets? Read what people had to say.

Pet insurance comparisons

We’ve already mentioned that Fetch pet insurance is the most comprehensive, but feel free to browse our comparison pages to see how we stack up against other pet insurance providers.

To recap: Fetch dog insurance is the most comprehensive, and you can sign up (and cancel, though we hope you stay!) for free at any time. To learn more about why your pet should become Fetch protected, visit fetchpet.com.

The Dig, Fetch by The Dodo’s expert-backed editorial, answers all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park. We help make sure you and your best friend have more good days, but we’re there on bad days, too. Fetch provides the most comprehensive pet insurance and is the only provider recommended by the #1 animal brand in the world, The Dodo. 

Risk-free cancellation terms vary by state.

Policies become effective at 12:01 a.m. the day after activation. Waiting periods apply. Pre-existing conditions, including those where clinical signs are present prior to the effective date of the policy or during the waiting period, are excluded from coverage.

Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01/01/2020 through 12/31/2020 and all available limit combinations.

Most comprehensive according to Consumer’s Advocate as of February 2022, based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers. Consumer Advocate is a Fetch Partner.

Best pet insurance according to Consumer Voice February 2022. Consumer Voice is a Fetch Partner.

The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. The arrangement between Fetch and The Dodo includes an equity stake, as well as brand licensing and marketing services through which The Dodo, and its affiliate, may be compensated to promote Fetch offerings.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch by The Dodo Fetch by The Dodo, LLC in Michigan & New Mexico, and Fetch by The Dodo Insurance Services, LLC in California) and underwritten by XL Specialty Insurance Company, a Delaware Corporation or AXIS Insurance Company, an Illinois Corporation, in the U.S. and XL Specialty Insurance Company - Canadian Branch or AXIS Reinsurance Company (Canadian Branch) in Canada. ©️2022 Fetch, Inc. Information accurate as of February 2022.

This product information is for descriptive purposes only and does not provide a complete summary of coverage. Consult the applicable insurance policy for specific terms, conditions, limits, limitations and exclusions to coverage.

The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. Policy terms and conditions may vary by state. All coverage and limit options may not be available to all customers and are subject to underwriting approval.

Fetch Forward™ is not insurance and is not provided by XL Specialty Insurance or AXIS Insurance Company.

Other provider comparisons contained herein were prepared solely by Fetch based upon a comparison of each company’s policy form or core policy coverages available on each company’s website as of April 2022.

Long live love is a service mark of Fetch, Inc.

Photo by Nathalie SPEHNER on Unsplash

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