Pet Insurance

Dog Insurance
Cat Insurance

Understanding Pet Insurance

Pet insurance is designed to ease the financial burden of unexpected veterinary expenses for your furry friends. Just like having a reliable friend who helps out during tough times, your pet insurance provider steps in to cover a significant portion of your pet's medical bills, depending on your policy. This can include everything from emergency visits to necessary surgeries and medications. With Fetch Pet Insurance, you can receive up to 90% reimbursement on vet bills if your dog or cat faces health issues.

  • What does pet insurance cover?

    Pet insurance coverage varies by provider, but Fetch has the most comprehensive pet insurance coverage in the U.S. and Canada. Fetch covers what most other providers don’t or charge extra for — Visit Fetch to see a side-by-side comparison of how stacks up.

  • How does pet insurance work?

    Every pet insurance provider is different, but you'll usually submit a claim (this can include your vet bill and your pet's medical records) to your pet insurance provider, and you’ll typically be paid back if the treatment your dog or cat received is covered under your plan.


    With Fetch, submitting a claim is as easy as taking a picture of your vet documents and answering a few questions online or using our app. Once approved, Fetch pays back up to 90% of your bill.

  • Is pet insurance worth it?

    Many pet owners find that pet insurance provides peace of mind and financial security, especially in emergencies. It can save you from unexpected high costs.

  • What are the costs of pet insurance?

    The cost of pet insurance varies based on factors like your pet's age, breed, and health history. It's best to get quotes from different providers to compare.

  • Can I use any vet?

    Most pet insurance plans allow you to visit any licensed veterinarian, but some may have a network of preferred providers. Check your policy for specifics.

Peace of Mind for Pet Owners

With pet insurance, you can focus on what truly matters—your pet's health and happiness—without the constant worry of vet bills. It's an investment in their well-being and your peace of mind.

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Dog Insurance
Cat Insurance

What does pet insurance cover?

Pet insurance offerings differ among providers, yet Fetch stands out as the most comprehensive option available in the U.S. and Canada. Unlike many other insurers that either overlook certain needs or impose additional charges, Fetch includes crucial coverage.


What doesn’t pet insurance cover?

The majority of pet insurance companies exclude coverage for pre-existing conditions. A pre-existing condition refers to any injury, illness, or ailment that manifests (or for which your pet exhibits symptoms) prior to your enrollment or during a waiting period of up to 15 days. To ensure your pet enjoys comprehensive coverage, it’s wise to enroll them in pet insurance as soon as possible. This approach ensures that any conditions they may develop in the future won’t be classified as pre-existing and thus omitted from coverage.


Why is pet insurance Important?

Every year, 1 in 3 pets will need emergency treatment. Having a pet insurance policy acts as a safety net for unforeseen events, and the earlier you enroll, the sooner your pet is protected. Most pet insurance companies will not cover pre-existing conditions, making it advisable to sign up for a plan as soon as possible.


Fetch provides coverage for dogs and cats aged 6 weeks and older, offering the most comprehensive protection in the U.S. and Canada. It's best to insure your pet before any health issues arise, allowing you to make veterinary care more affordable both now and in the future.