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Pet Insurance 101

The importance of pet insurance during inflation

Plan for your pet’s unplanned situations.

If you’re feeling overwhelmed about the price of goods or services going up you’re not alone in worrying about inflation. Whether your cat food is a little more expensive or the cost of grooming has increased, it’s understandable to be concerned about ensuring your pet always has the same level of care during times of financial instability.

Fetch Pet Insurance provides that security by helping you avoid sometimes large, unexpected expenses — especially during inflationary times when costs go up.

What is inflation?

Inflation is the general increase in the prices of goods and services in an economy. When prices rise, it means our dollar can afford fewer goods or services. For example, you may have noticed the loaf of bread you usually buy increased in price. 

Why is pet insurance a good idea during inflation? 

Pet insurance helps you prepare for unexpected and sometimes costly veterinary expenses. And having the security of knowing you’ll be paid back for a portion of your pet’s vet bills means you won’t have to make a hard decision about signing your pet up for any necessary treatments or medications. 

Another bonus: Fetch’s pet insurance premiums are fixed throughout the year. This means that each month you’ll pay the same amount that won’t increase (prior to the next renewal period). 

On the other hand, there’s a chance that veterinary costs may increase. Having a pet insurance policy will provide comfort and cushioning, knowing that up to 90% of your pet’s veterinary bills will be paid back to you. 

And Fetch is the most comprehensive pet insurance provider, meaning we cover the most. Here are all of the ways we’ll continue to be there for your dog or cat

  • 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
  • Veterinary holistic and chiropractic care for medical conditions
  • Veterinary behavioral therapy 
  • Cancer treatment
  • Surgery and rehabilitation

RELATED: How is the cost of pet insurance calculated?

How does pet insurance work? 

We recommend that you sign your cat or dog up for pet insurance while they’re young or as soon as you welcome them into your life.

Once you sign up for pet insurance, there’s a brief waiting period, of up to 15 days, 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 as soon as 2 days. 

Pet insurance cost

On average, Fetch dog insurance plans cost around $35 per month while our cat insurance plans are around $25 (these plans can be priced lower for puppies and kittens, too). However, at Fetch, we believe in customizing your monthly payment to fit your lifestyle. 

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.

Most pet parents know that life with pets is full of surprises. Fetch Pet Insurance ensures that getting them the care they deserve is certain.

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

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The most comprehensive pet insurance

Photo by Louis-Philippe Poitras on Unsplash

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