Use any veterinarian in the U.S. or Canada
Rated 'Excellent' on Trustpilot
Covers up to 90% of unexpected vet bills
Trusted by lifesaving shelters in the U.S. and Canada
Fetch provides the best coverage for injuries & illnesses including:
Prescription medications & supplements
Emergency vet visits
Virtual, in-home & office visits
Hospital stays
Physical therapy
Allergies
Surgeries
X-rays & CT scans
Ultrasounds
Blood tests
Breed-specific issues, including hip dysplasia
Specialists
Canine infectious respiratory disease
Sick-visit exam fees
Laboratory tests
Vomiting & diarrhea
Hereditary & congenital issues
Swallowed objects & toxins
Every tooth covered
Gum disease
Diabetes & insulin
Cancer treatment
Acupuncture & chiropractic care
Treatment for aggression & separation anxiety
And so much more!
Our plan includes what other providers charge extra for or don’t cover at all
Complete sick visits covered
Exam fees are included, which saves you around $50-$250 per sick visit.
Every tooth covered
We cover injury and disease in every adult tooth — not just the canines.
Breed-specific issues covered
Not all providers cover hereditary conditions linked to breed. We do.
See how we stand out against other pet insurance providers
Choose a provider
- Embrace
- Healthy Paws
- Lemonade
- Nationwide
- Pets Best
- Pumpkin
- Trupanion
- Figo
- ASPCA
Rated 4.7 in the App Store & Google Play. *Updated July 2023.
How Fetch works
Use any veterinarian in the U.S. or Canada.
With Fetch, you have the flexibility to keep your current vet or use a new vet if you’d like. We even cover specialists and emergency clinics.
Submit a claim in minutes
Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.
Get paid back fast
Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.
Your pet, your price
We're committed to giving you the fairest and most accurate pricing based on your pet's breed, age and location.
Read customer reviews about Fetch Pet Insurance
Long live love™
We’re a community of pet parents who understand you because we are you. We give up our favorite spot on the couch because it’s also our dogs’ favorite. We open the blinds just so our cats can sunbathe in the living room. And our hearts melt just a little bit every time a small chin rests on our knee at the end of the day. Sound like you?
Your pet insurance questions – answered!
Does pet insurance only cover cats and dogs?
Fetch provides pet insurance coverage for dogs, puppies, cats and kittens. We do not cover birds, bunnies, lizards and other exotic pets.
Can I use any vet with pet insurance?
Yes! With Fetch, you can see any vet in the U.S. or Canada.
At what age should I get pet insurance for my dog or cat?
Fetch recommends signing up your kitten or puppy so that future illnesses or injuries can be covered. Fetch Pet Insurance covers dogs and cats 6 weeks and older, but to make sure your pet gets as much pet insurance coverage as possible, it's best to sign up before they need it.
How do pre-existing conditions work with pet insurance?
A pre-existing condition is any injury or illness that occurred or your pet showed clinical signs of before you enrolled, during the waiting period or before your pet’s first exam. Fetch offers the most comprehensive coverage in the U.S. and Canada for new injuries and illnesses, but like most other providers, we don’t cover pre-existing conditions.
Should I add Wellness to my Fetch pet insurance plan?
Adding a Fetch Wellness plan to your Fetch injury and illness insurance will help you save on routine and preventive coverage (think: vaccinations and annual exams). That way, you can help prevent health issues before they start. Plus, there's no deductible for wellness — enroll today.
For residents of DE, LA, ME, MS, NE, NH, WA, click to review an Insurer Disclosure of Important Policyholder Provisions.
Program not available in New Brunswick and Quebec.
This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods and other terms vary by state. Exclusions apply, such as pre-existing conditions. Please see your policy for full terms and conditions of coverage.
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, deductible, copay, limitations, and exclusions to coverage; these may vary by state and are subject to change without notice. The coverage for each policyholder will be governed by the terms and conditions of the applicable policy. All coverage and limit options may not be available to all customers and are subject to underwriting approval. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.
Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT.
Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©2024 Fetch, Inc. Information accurate as of January 2024.
Fetch Forward and The Dig are not insurance and are not provided by XL Specialty Insurance Company or AXIS Insurance Company.
Fetch is a registered trademark owned by Fetch, Inc. Long Live Love, Because Pets are family, and The Pet Gala are service marks of Fetch, Inc.
Unmatched according to The Dodo, May 2022. The Dodo is the #1 animal brand globally on social media according to Tubular as of January 2021. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner.
Average monthly premiums are based on U.S. annual premiums, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations.
Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.
Fetch Wellness is insurance coverage added by endorsem*nt to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursem*nt-based program that is separate from an insurance policy.
1 out of 3 pets need emergency veterinary treatment each year according to MetLife Pet Insurance. 6 Shocking Pet Health Statistics. Published February 2022.
