Pet insurance is becoming a standard part of how people care for their pets, not just a backup plan for emergencies. More pet parents are thinking ahead about how they’ll handle unexpected vet bills and looking for ways to manage those costs without added stress.
That shift comes at a time when veterinary care is getting more expensive. Costs have risen more than 60% over the past decade, and more than half of pet parents say they’ve skipped or declined recommended care because of the price. Instead of waiting until a major bill hits, more pet parents are choosing coverage earlier so they’re not forced into difficult decisions later.
We built Fetch to be the most complete pet insurance on the market, and in this guide, we'll show you exactly how our coverage compares to other top providers.
Best for: Comprehensive coverage
Fetch is the top-rated pet insurance for comprehensive coverage. Our standard plan includes broad accident and illness care, dental illness, sick-visit exam fees, behavioral therapy and alternative treatments like acupuncture and physical therapy when vet-prescribed. These are benefits that many competitors limit, exclude, or charge extra for. You can visit any licensed vet in the U.S. or Canada, including specialists and emergency clinics. Members also get access to 24/7 online vet visits and 100% reimbursement on qualifying medications through Fetch Pet Rx (subject to limits).
Our dental coverage goes further than most providers offer. We cover periodontal disease, root canals and other endodontic procedures, oral tumors, extractions and more, with up to 90% reimbursement and no annual sublimit. Many competitors only cover the four canine teeth or exclude dental disease altogether, which can leave pet parents covering thousands of dollars out of pocket
For routine care, our optional wellness add-on covers annual exams, vaccinations, dental cleanings, and preventive treatments with no deductible or copay. Reimbursement rates and deductibles are customizable across all plans.
Available: Web browser, iOS app, Android app
Maximum enrollment age: No upper age limit. Minimum is 6 weeks old
Money-back guarantee: Risk-free cancellation for up to 30 days
Cost: On average, plans cost about $34/month for dogs and about $22/month for cats. Pricing depends on your pet’s age, breed, location, and selected coverage.
Plan pays:
Fetch coverage:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
We've taken a close look at the other pet insurance providers on the market, comparing coverage, cost, claims experience, and member reviews. Below, you'll find what each option offers — and where Fetch Pet's coverage goes further.
Spot offers accident-only and accident and illness plans, with an optional preventive care add-on. Coverage includes diagnostics, treatments, medications, dental illness, behavioral issues and hereditary conditions. You can visit any licensed vet in the U.S. or Canada, and submit claims online for reimbursement.
Available: Web browser, iOS app, Android app
Maximum enrollment age: No upper age limit. Minimum is 8 weeks old
Money-back guarantee: 30-day money-back guarantee (15 days in some states; not available in NY)
Cost: Plans start around $15/month for dogs and $9/month for cats. Pricing varies based on your pet’s age, breed, location, and selected deductible, reimbursement rate, and annual limit.
Plan pays:
Spot coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Both plans cover dental illness, behavioral therapy, and exam fees, but Fetch Pet covers dental illness in every adult tooth and gums with no annual sublimit, and we reimburse 100% of behavioral therapy costs up to $1,000 per year with no deductible or copay.
Trupanion offers one plan that covers new and unexpected illnesses and injuries, including diagnostics, surgeries, medications and hereditary conditions. It pays vets directly at checkout through its VetDirect Pay system, so you don’t have to wait for reimbursement. There are no annual or lifetime payout limits, and you can visit any licensed veterinarian.
Available: Web browser, iOS app, Android app
Maximum enrollment age: Up to 14 years old. With no minimum age limit
Money-back guarantee: Yes. Full refund if you cancel within the first 30 days with no claims filed
Cost: Pricing varies based on your pet’s breed, age, and location and reflects expected lifetime care costs rather than increasing solely due to age.
Plan pays:
Trupanion coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Trupanion doesn't cover exam fees, caps dental reimbursement at $1,000 per year and charges extra for behavioral therapy and alternative care, all of which are included in Fetch Pet's standard plan with no sublimits and no add-ons required.
Pumpkin offers accident and illness coverage with an optional wellness add-on. Plans cover diagnostics, treatments, prescriptions, dental illness, behavioral issues and hereditary conditions. You can visit any licensed vet in the U.S. or Canada, and use PumpkinNow to receive funds for eligible care before paying the bill.
Available: Web browser only
Maximum enrollment age: No upper age limit
Money-back guarantee: 30-day money-back guarantee
Cost: Pricing varies based on your pet’s age, breed, location, and selected coverage.
Plan pays:
Pumpkin coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Pumpkin's standard plan is broad, but Fetch Pet covers dental illness in every adult tooth and gums with no annual sublimit, and we reimburse 100% of behavioral therapy costs up to $1,000 per year with no deductible or copay.
Pets Best offers accident-only, accident and illness, and optional routine care plans, with coverage for accidents, illnesses, surgeries, cancer and prescription medications. Plans include flexible reimbursement levels, deductibles, and annual limits so you can adjust coverage based on your needs.
Available: Web browser, mobile app (iOS and Android)
Maximum enrollment age: No upper age limit
Money-back guarantee: Yes—30 days (not available in NY or PA)
Cost: On average, comprehensive accident & illness coverage for dogs ranges from $40–$64/month and $21–$34/month for cats. Pricing varies based on breed, age, location, and selected coverage.
Plan pays:
Pets Best coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Exam fee coverage requires a higher-tier plan selection with Pets Best, whereas Fetch Pet includes exam fees, dental illness coverage for every adult tooth and gums and behavioral therapy reimbursement.
ASPCA Pet Health Insurance offers accident-only and accident and illness plans, with an optional preventive care add-on. Coverage includes accidents, illnesses, hereditary conditions, behavioral issues, dental disease and alternative therapies. Plans reimburse eligible vet bills and let you choose your vet, with claims submitted through an app or online account.
Available: Web browser and mobile app (iOS and Android)
Maximum enrollment age: No upper age limit
Money-back guarantee: 30-day money-back guarantee (not available in NY; varies in some states)
Cost: Pricing varies based on your pet’s age, breed, location, and selected coverage options.
Plan pays:
ASPCA coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: ASPCA includes exam fees and behavioral therapy in its standard plan, but Fetch Pet covers dental illness in every adult tooth and gums with no sublimit. And unlike ASPCA, we offer an unlimited annual coverage option.
Lemonade Pet Insurance uses an app-based system to handle sign-up, claims, and policy management. Plans cover accidents and illnesses, including diagnostics, procedures, medications and hospitalizations. Policies run on a reimbursement model, with claims submitted through the app and payments issued after approval
Available: Mobile app (iOS and Android), web browser
Maximum enrollment age: No information
Money-back guarantee: 30 days in most states
Cost: Pricing varies based on your pet’s age, breed, location, and selected coverage.
Plan pays:
Lemonade coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Lemonade requires paid add-ons for exam fees, dental illness, behavioral therapy and physical therapy, all of which are included in Fetch Pet's standard accident and illness plan.
Embrace offers accident and illness plans with built-in coverage for dental disease, behavioral therapy, and rehabilitation treatments that many providers treat as add-ons. Plans also include access to 24/7 telehealth support and an optional wellness rewards program for routine care expenses.
Available: Web browser, mobile app (iOS and Android)
Maximum enrollment age: Up to 14 years old for accident & illness plans. No upper age limit for accident-only plans (available for pets 15+).
Money-back guarantee: Yes—full refund if canceled within 30 days and no claims filed.
Cost: Most dog plans range from $20–$70/month; cat plans range from $10–$30/month. Pricing varies based on breed, age, location, and selected coverage.
Plan pays:
Embrace coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Embrace caps dental illness reimbursement at $1,000 per policy term, whereas Fetch Pet covers dental illness in every adult tooth and gums with no sublimit. We also reimburse 100% of behavioral therapy costs up to $1,000 per year with no deductible or copay.
Healthy Paws offers accident and illness coverage with no annual or lifetime payout caps. Plans cover surgeries, hospital stays, chronic conditions, diagnostics, medications and alternative treatments, with a single plan structure rather than multiple tiers. Policies also include access to 24/7 virtual vet care through the Airvet app.
Available: Web browser and mobile app (iOS and Android)
Maximum enrollment age: Up to 14 years old
Money-back guarantee: Yes—full refund if canceled within 30 days and no claims filed
Cost: Pricing varies based on your pet’s age, breed, location, and selected deductible and reimbursement levels.
Plan pays:
Healthy Paws coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: Healthy Paws doesn't cover dental disease, behavioral therapy, or exam fees, all of which are included in Fetch's standard plan.
MetLife Pet Insurance offers customizable accident and illness plans with optional preventive care coverage. Plans include coverage for injuries, illnesses, diagnostics, surgeries and medications, with options to adjust deductibles, reimbursement rates, and annual limits. You can also cover multiple pets under one policy with a shared deductible.
Available: Web browser and mobile app (iOS and Android)
Maximum enrollment age: No upper age limit (coverage options may vary by age)
Money-back guarantee: Yes—30 days if no claims are filed.
Cost: Plans start around $16/month for dogs and $7/month for cats. Pricing varies based on breed, age, location, and selected coverage.
Plan pays:
MetLife coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: MetLife's standard plan covers dental illness, exam fees and behavioral therapy, but we cover dental illness in every adult tooth and gums with no sublimit. We also reimburse 100% of behavioral therapy costs up to $1,000 per year with no deductible or copay.
Figo offers customizable accident and illness plans with flexible reimbursement options, including up to 100% coverage. Plans include access to 24/7 virtual vet support, a mobile app for claims and policy management and optional add-ons for wellness and exam fee coverage. It also includes coverage for some curable pre-existing conditions after a symptom-free period.
Available: Web browser and mobile app (iOS and Android)
Maximum enrollment age: No upper age limit
Money-back guarantee: 30-day money-back guarantee (not available in FL or NY)
Cost: Pricing varies based on your pet’s age, breed, location, and selected coverage.
Plan pays:
Figo coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch offers stronger coverage: Figo requires paid add-ons for exam fees and behavioral therapy, whereas Fetch Pet includes both in our standard plan, alongside dental illness coverage for every adult tooth and gums with no sublimit
AKC Pet Insurance offers accident and illness plans with a range of add-ons, including wellness, exam fees, and breeding coverage. It offers coverage for both curable and incurable pre-existing conditions after 365 days of continuous coverage. Plans also include access to a 24/7 vet helpline and flexible claim submission options by app, email, mail, or fax.
Available: Mobile app, email, mail, fax, and web browser
Maximum enrollment age: No maximum age limit. However, pets over 9 years old are only eligible for accident-only coverage, not full accident and illness plans.
Money-back guarantee: Yes. AKC members get a 30-day free trial (accident and illness coverage is activated within 28 days of AKC registration)
Cost: Pricing varies based on your pet’s age, breed, location, and selected coverage options.
Plan pays:
AKC coverage includes:
Pros:
Cons:
Pros and cons based on recent Trustpilot customer reviews.
Why Fetch Pet offers stronger coverage: AKC's standard plan doesn't cover dental illness or exam fees without add-ons, and behavioral therapy availability varies by state. Fetch Pet includes all three in our standard plan, with dental coverage extending to every adult tooth and gums.
Pet insurance costs vary, but most accident and illness plans fall within a predictable range.
On average, dog insurance costs about $56/month, while cat insurance costs about $32/month, according to recent industry data. Premiums have been rising alongside veterinary costs, with pricing influenced by several key factors, including:
Deductibles also vary, typically ranging from $100 to $1,000+ per year, depending on the provider and plan.
Most plans reimburse 70% to 90% of eligible vet bills after you meet the deductible, which affects both your monthly premium and out-of-pocket costs.
Costs can change over time, especially as your pet ages or if pricing adjusts across the industry.
Pet insurance helps pay for unexpected vet bills, but coverage depends on the plan you choose. Most accident and illness policies include:
Some providers also offer optional add-ons for routine care, which can include:
Pet insurance doesn’t cover everything. Most plans exclude certain conditions, treatments, and routine expenses unless you add extra coverage.
Common exclusions include:
Picking the right plan comes down to how your pet lives, what care they may need, and how much risk you want to cover. Here’s a quick guide to important considerations when choosing coverage:
Once you've worked through these considerations, Fetch Pet stands out as the strongest all-around choice. Our standard plan includes dental illness coverage for every adult tooth and gums, sick-visit exam fees, behavioral therapy with 100% reimbursement up to $1,000 per year, alternative treatments and 24/7 online vet access.
These are benefits that many competitors limit, exclude, or charge extra for. With no upper age limit, customizable deductibles and reimbursement rates, and an optional wellness add-on, Fetch Pet is built to cover what pets actually need at every stage of life.
Your pet can't tell you when something's wrong until it's already serious. The right insurance means you're ready when that moment comes, without having to choose between your pet's health and your finances.
Fetch Pet is built for exactly that. We’ve designed our plans to provide broad, built-in coverage beyond the basics. We include dental illness across every adult tooth and gums, behavioral therapy, sick-visit exam fees and treatments like acupuncture and physical therapy — all part of the standard plan without requiring multiple add-ons.
If you’re looking for coverage that includes more of what pets actually need day to day, Fetch Pet is a strong place to start.
Pet insurance helps cover the cost of veterinary care, including accidents, illnesses, surgeries, diagnostics, and chronic conditions. When treatment costs add up quickly, having coverage makes it easier to move forward with recommended care without second-guessing the cost. Whether it’s worth it depends on your budget, your pet’s age and breed, and how comfortable you are handling major or ongoing medical expenses out of pocket.
Most pet insurance companies don't use vet networks. Unlike human health insurance, pet insurance typically lets you visit any licensed vet, specialist, or emergency clinic in the U.S. without referrals or network restrictions. You pay the vet directly, then file a claim for reimbursement. Always confirm this with your provider before enrolling, as a small number of plans do have limitations.
Most providers cover rescue dogs as long as they don’t have pre-existing conditions before enrollment. Coverage works the same as it does for other pets.
At Fetch Pet Insurance, we offer additional protection for dogs adopted from participating shelters. In many cases, there’s no waiting period if you enroll shortly after adoption, and certain common pre-existing conditions may be covered from day one.
Most claims follow a simple process:
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
up to 90% of vet bills – covered.
Every 6 seconds, a pet parent gets a $1000+ vet bill. Care for your pet & your wallet with Fetch.
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