Fetch pays back up to 90% of unexpected vet bills

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Pet Insurance 101

How is the cost of pet insurance calculated?

A breakdown of the monthly payments.

Becoming a pet parent is not only an investment of your love but also a financial one. The cost of vet bills can quickly add up, but you do it all for your pet because you love them.

Fetch Pet Insurance eases your financial burden by covering up to 90% of your pet's vet bills. With our help, you can have more good days with your pet and ensure they always get the best care. For any pet insurance newbies, here's a breakdown of the cost.

Who benefits from pet insurance the most?

Whenever your pet experiences health surprises or accidents, pet insurance gives you the freedom to get your pet the best care possible. And Fetch Pet Insurance is the most comprehensive, too. Here are all of the ways we cover pets: 

  • 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

How does pet insurance work? 

Once you sign up for pet insurance, there’s a brief waiting period (15 days for accidents and illnesses) before you can start filing claims. After the waiting period, you’re free to begin submitting claims. Here’s how it works: 

Step one: Visit any licensed vet in the U.S. or Canada.

Step two: Submit a claim on our app or website by taking a photo of your vet documents. Fetch will handle the rest. 

Step three: Get paid back! If you’re using direct deposit, you can receive up to 90% of your vet bills back in just 2 days. 

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What’s the average cost of pet insurance? 

At Fetch, we believe in “your pet, your price” and let you customize your pet’s monthly pet insurance plan. Using the same data points that power our patent-pending tool, Fetch Forward™, we determine the most accurate pricing based on your dog and cat’s breed, age and your location. Here are some other ways you can customize 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.

How much does dog insurance cost? 

On average, Fetch dog insurance plans cost around $35 per month. Are you signing a puppy up for pet insurance? The monthly cost may be even lower. 

How much does cat insurance cost? 

Fetch cat insurance plans are slightly lower than dogs at around $25 per month (and can be lower for kittens). 

Pet insurance quotes

Now that you know how the cost of Fetch Pet Insurance is calculated, it’s time to start a free quote. Input your pet's information, make your customizations and see how much it'd cost to start protecting your pet.

The Dig, Fetch Pet Insurance'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.

Save up to 90% on unexpected vet bills

Use any veterinarian in the U.S. or Canada

Rated 'Excellent' on Trustpilot

The most comprehensive pet insurance

Photo by hannah grace on Unsplash

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