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Fetch Pet Insurance
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Accident & Illness Coverage:
Wellness Coverage:
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Fetch Pet Insurance

Fetch offers comprehensive insurance for dogs and cats. Unlike many pet insurance providers, Fetch has a single policy. The policy covers emergency veterinary exams, exam fees, non-routine dental care, and holistic health services like homeopathy, acupuncture, chiropractic, and hydrotherapy. As an optional add-on to their policy, Fetch offers routine and preventative care coverage.

With Fetch, you can visit any vet in the U.S. or Canada, including specialists and emergency clinics. No matter how old your cat or dog gets, Fetch will never drop your coverage. That means you can keep veterinary prices low even as your pet ages. Plus, Fetch provides flexibility with your reimbursement rate, annual limit, and deductible.

Fetch Reviews

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Read some of the most recent customer reviews from real pet parents just like you!

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Customer Reviews


Coverage is king. Whether you’re shopping for pet insurance, auto insurance, or life insurance, coverage is what differentiates insurance policies. If you’re looking for excellent accident and illness coverage, then Fetch Pet Insurance is an excellent choice. They also offer an optional wellness coverage add-on if you’d like to provide extra protection for your pet.

Coverage Notes

  • Optional wellness coverage
  • 24/7 customer service and claims
  • Non-routine veterinary exam fees are covered in all plans, including at emergency and specialist hospitals
  • Use any vet in the U.S. and Canada
  • Waiting Periods: The waiting period for accident and illness coverage with Fetch is up to 15 days.
  • Flexible coverage up to an unlimited annual limit
  • Coverage for injury and illness for every adult tooth


Coverage Highlights

One Customizable Plan

Fetch has the most comprehensive pet insurance coverage, including:

  • Name-brand prescription medications & supplements
  • Emergency vet visits
  • Online, in-home & office visits
  • Hospital stays
  • Physical therapy
  • Allergies
  • Surgeries
  • X-rays & CT scans
  • Canine infectious respiratory disease
  • Ultrasounds
  • Blood tests
  • Breed-specific issues including hip dysplasia
  • Specialists
  • Sick-visit exam fees
  • Laboratory tests
  • Vomiting & diarrhea
  • Hereditary & congenital issues
  • Swallowed objects & toxins
  • Every tooth, plus gums
  • Gum disease
  • Diabetes & Insulin
  • Cancer treatment
  • Acupuncture & chiropractic care
  • Treatment for aggression & separation anxiety
  • Routine & preventive coverage (when you add Fetch Wellness)
  • Behavioral Therapies: Yes
  • Loss due to Death or Stray: Limited to a $1,000 annual limit
  • Advertising & Reward: Limited to a $1,000 annual limit
  • Boarding Kennel Fees: Limited to a $1,000 annual limit
  • Death from Illness or Injury: Limited to a $1,000 annual limit
    • Fetch will not reimburse you if:
      Your pet’s death results from an injury or illness that is a pre-existing condition;
      2. A veterinarian is not able to verify the death or sign the death claim form;
      3. Your pet was put to sleep at your request and not as suggested by a veterinarian;
      4. The death is the result from an illness for any pet age six (6) years or older; or
      5. Your pet was put to sleep because of a behavioral disorder.
  • Vacation Cancellation: Limited to a $1,000 annual limit
    • Fetch will reimburse you for any travel and accommodation costs you cannot recover if you have to cancel or cut short a vacation during the policy period because your pet is injured or shows the first clinical sign(s) of an illness while you are away or up to seven (7) days before you leave and, as a result, requires immediate lifesaving veterinary treatment.

*Ancillary coverages are included in all plans with an annual coverage limit of $15,000 or greater at $1,000 annually for the following:

  • Treatment of behavioral conditions with a licensed veterinarian
  • Lost pet advertising and reward
  • Boarding fees
  • Loss due to theft or straying
  • Death from covered illness or injury
  • Vacation cancellation

Coverage Details

  • Covered for Life® guarantee – Fetch will never terminate your policy based on your claims history or just because your pet is sick.
  • The complete sick visit – including the exam fee – is covered in all plans, including at emergency and specialist hospitals
  • Covers pets of any age (over 6 weeks old) – no upper age enrollment limit
  • 24/7 customer service and claims
  • Waiting period for accidents and illnesses is up to 15 days
  • Fetch covers remote telehealth treatment, so you can call, text, email, or video chat with a vet to get the support you need. You’re covered up to $1,000 per year. No copay is required.
  • Major Medical: Sick visit exam fees; Illnesses; Injuries; Comprehensive dental disease and injuries; Alternative, holistic, and homeopathic treatments; Hereditary and chronic conditions; Behavioral treatments
  • Use any vet in the U.S. or Canada
Accident & Illness Coverage:
Wellness Care Coverage:
Optional Add-on
Deductible Options:
$300, $500, $700
Reimbursement Options:
70%, 80%, 90%
Annual Limit:
$5K - Unlimited
Hereditary Disorders:
No restrictions
Minimum Age for Enrollment:
6 weeks old
Maximum Age for Enrollment:
No upper age limit*
Waiting Period - Accidents:
5 days
Waiting Period - Illnesses:
Up to 15 days
Waiting Period - Orthopedic:
6 months for knees (can be waived)**
Policy Exclusions:
Listed Below

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


Fetch Pet Insurance provides excellent coverage. Their policy pricing reflects the extensive and comprehensive coverage they provide, including coverage of veterinary exam fees that others exclude and the most comprehensive coverage of dental illnesses and injuries available among North American providers. Discounts, subject to individual state approvals: • $1,000 in online vet visits included at no extra charge. • 5% Online • 10% Military Personnel - active or retired • 10% Medical Service Pet • Optional coverage for routine and preventive care • Not applicable in all states; subject to approval by state

Fetch is the only pet insurer that does not charge fees

See How Much It Will Cost You

Sample Premiums


Average for Dogs:
$36 per month


Average for Cats:
$28 per month

See How Much It Will Cost You

About Fetch Pet Insurance

Fetch is one of the most tenured and trusted brands in the North American pet insurance market. They offer world-class injury and illness coverage, plus additional coverage for lost pets, boarding fees, and vacation cancellation coverage on policies with an annual limit of $15,000 or greater.

Fetch also provides pet insurance with partner companies. Here are some companies they provide plans (and discounts) for:

  • AARP
  • Blue Cross Blue Shield
  • Walmart

Fetch comprehensive insurance gives most families the coverage they need. The company also helps keep prices low. Your premium from Fetch, however, depends on factors like your pet’s age, the deductible you choose, and the amount you want to get reimbursed.

Get a quote from Fetch today so you can see whether it fits your budget.

Policy Options:

Company Profile

Bolingbrook, IL
XL Specialty Insurance Company (A)
Service Hours:
24 / 7 / 365

Policy Exclusions

Fetch Pet Insurance covers future accidents and illnesses — the stuff you can’t see coming. Here’s everything you need to know about what we don’t cover.

Pre-existing conditions are not covered.
A pre-existing condition is any accident or illness that occurred or your pet showed clinical signs of before you enrolled, during the waiting period of up to 15 days, or before your pet’s first exam. Fetch offers the most comprehensive coverage in the U.S. and Canada for new accidents and illnesses, but like most other providers, we don’t cover pre-existing conditions.

Claims filed more than 90 days after treatment are not covered.
Remember to submit claims within 90 days from the date on your pet’s invoice to be eligible for reimbursement. Claims submitted after 90 days won’t be covered.

Prescription food is not covered.
We cover supplements that are recommended by your vet as treatment for a covered condition, but not prescription food.

Grooming and cosmetic procedures are not covered.
We do not cover grooming or cosmetic surgical procedures such as tail docking, ear trimming or declawing.


This is a summary of policy exclusions. Please see Fetch’s terms and conditions for full policy exclusions at