Pet Insurance Quotes

ASPCA Pet Health Insurance program vs. Fetch

The ASPCA Pet Health Insurance program and Fetch Pet Insurance are both highly respected brands in the American pet insurance market. Both ASPCA and Fetch offer a fully customizable plan with optional wellness coverage add-ons. Before you choose a plan, get quotes from each company to see how much you will pay for your pet!

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ASPCA Pet Insurance Fetch Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 6,145 1,837
Deductible: $100, $250, or $500 $300, $500, $700
Reimbursement: 70% - 90% 70%, 80%, 90%
Annual Limit: $2,500 - $10,000 $5K - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 15 days up to 15 days
Waiting Period for Illnesses: 15 days up to 15 days
Waiting Period for Orthopedic Coverage: 15 days 6 months for knees (can be waived)**
Emergency Care: Included Included
Accidents: Included Included
Illnesses: Included Included
Cancer Coverage: Included Included
Orthopedic Issues: Included Included
Hereditary Conditions: Included Included
Chronic Conditions: Included Included
Prescription Meds: Included Included
Wellness Coverage: Optional Optional
Vet Restrictions: None None


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Can’t Go Wrong Either Way

Fetch is a very simplified, affordable, and reputable pet insurance company that has great customer ratings. Serving customers for well over a decade, Fetch is also well known for its customer service. ASPCA pet insurance offers a variety of plans to choose from and is one of the most highly respected pet insurance brands in the United States.

ASPCA Pet Health Insurance Program

The ASPCA Pet Health Insurance Program offers different plans to suit your pet’s needs and your budget, including Complete Coverage, Accident-Only Coverage, and Preventative Care Coverage. They also offer wellness coverage as an option, as well as a 30-day money-back guarantee and the ability for you to visit any veterinarian in the US or Canada without out-of-network fees.

Fetch Pet Insurance

Fetch offers the most comprehensive coverage. ASPCA has limited or no coverage when it comes to boarding in the event of hospitalization, holistic treatments, and more. Offering a straightforward plan that covers any illnesses, unexpected health issues, and accidents, Fetch Pet Insurance also lets you customize your coverage with additional options if desired. Any pets six weeks of age or older are welcome, and your policy will never be canceled due to a pet’s age, health, or claim history.

  • View the Fetch general overview
  • Deductible Options: $300, $500, $700
  • Reimbursement: 70%, 80%, 90%
  • Emergency Care: Included
  • Waiting period for accidents: Up to 15 days
  • Waiting period for illnesses: Up to 15 days

Coverage Comparison

With the ability to customize Fetch and ASPCA plans, you can get full, complete coverage or less if desired. Plus, both providers offer the ability to support your coverage with optional wellness add-ons.

Price Comparison

Both pet insurance brands are top-rated and a good choice. If you want more customizable options, you can go with ASPCA, or you can pick a more straightforward plan from Fetch, which also costs less.

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Additional Content

ASPCA Pet Insurance Enrollment Requirements

Enrollment Exam Requirements: There are no enrollment exam requirements.

Fetch Pet Insurance Enrollment Requirements

*Regardless of your pet’s age, if your pet has not been examined by a veterinarian within sixty (60) days prior to the effective date of the policy, you must arrange to have your pet examined within thirty (30) days of the effective date of the policy.

**Orthopedic Health Issues

  • 6-month waiting period for cruciate ligaments and patellar luxation
  • The illness and accident waiting period is up to 15 days and applies to other orthopedic conditions
  • The exclusionary period for knees can be waived with a healthy knee exam or check at the vet while the policy is in force
  • A 30-day waiver is available
  • Cruciate injuries and illnesses are coverable, but there is a six-month cruciate exclusionary period that can be waived by having the knees certified as healthy by the vet in the first 30 days