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Pet Insurance 101

What does pet insurance cover?

The list of things Fetch covers seems endless.

When considering signing up for pet insurance, it can feel overwhelming to sift through all the coverage options and insurance jargon. At Fetch by The Dodo, it's different. We talk to people like people and make it clear what we do and don't cover. Here are all ways we'll be there for your cats and dogs.

What does pet insurance cover?

Pet insurance is an excellent option for so many reasons. It allows you to agree to expensive procedures, medications and care, knowing that we'll cover up to 90% of your unexpected vet bills. And Fetch dog and cat insurance is the most comprehensive, too. Here’s what we cover:

  • Sick-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 to choose the best dog insurance plan

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Help your dog live a healthier, longer life.

Introducing the Fetch health forecast.

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Recommended by vet Dr. Evan Antin.

How does pet insurance work?

Once you sign up for pet insurance, there’s a brief waiting period before any health-related issue is covered. The waiting period is 15 days for injuries and illnesses and all specialty coverages. There’s also a 6-month exclusionary period before injuries of the hips and knees can be covered. You can waive the 6-month exclusionary period for knee conditions and disorders by having your pet examined by a vet in the first 30 days of your policy to determine and document that they don’t have any relevant pre-existing conditions.

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. We’ll handle it from there.

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

Pet insurance that covers pre-existing conditions

Unfortunately, no pet insurance providers cover pre-existing conditions, which include injuries or illnesses that showed clinical signs before signing up for pet insurance. 

Pet insurance that covers spaying and neutering

While Fetch pet insurance doesn’t cover the cost of spay or neuter procedures, we do cover any complications from the procedure (as long as the treatment happened within the effective start date of your policy, your pet has had a first exam and after the waiting period).

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.

So if your cat or dog ever experiences an unexpected health surprise or accident, Fetch pet insurance will be there to take some of the worries away. By covering up to 90% of vet bills, you can say "yes" to unexpected surgeries or treatments without focusing on paying for them.

Fetch pet insurance is not only the most comprehensive provider, but you can sign up (and cancel, though we hope you stay!) for free anytime. To learn more about why your pet should become Fetch protected, visit

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.

The Dig is the expert-backed editorial from Fetch Pet Insurance. We're here to answer all of the questions you forget to ask your vet or are too embarrassed to ask at the dog park.

Photo by Madalyn Cox on Unsplash

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