Pet Insurance Quotes

Petco Pet Insurance vs. Fetch

Petco and Fetch both offer accident and illness policies, which are the most popular type of policies for both dogs and cats. These plans cover everything from emergency room visits to long-term meds to surgery. So, if you’re looking for protection against unexpected illnesses and injuries then Petco and Fetch are both great options!

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Petco Insurance Fetch Pet Insurance
Price: Get a Quote Get a Quote
Overall Rating:
Total Reviews: 19 18,228
Deductible: $100 - $500 $300, $500, $700
Reimbursement: 70% - 90% 70%, 80%, 90%
Annual Limit: $5,000 - Unlimited $5K - Unlimited
Company Profile: Company Overview Company Overview
Waiting Period for Accidents: 14 days up to 15 days
Waiting Period for Illnesses: 14 days up to 15 days
Waiting Period for Orthopedic Coverage: 14 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: Excluded Optional
Vet Restrictions: None None

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Petco vs. Fetch Pet Insurance

Petco offers a simple, easy-to-understand plan that covers accidents and illnesses. These plans are the most popular type of pet insurance coverage, accounting for over 98% of all pet insurance policies sold. An easy way to understand these plans is that they cover veterinary expenses for unexpected health issues. So if your dog is sick or your cat breaks a leg, the emergency room visit, surgery, and medications would all be covered. Essentially, it’s protection against the unknown.

Fetch offers more comprehensive coverage, with things like comprehensive dental, breed-specific conditions, and holistic care all standard in their plan. Supplements for covered conditions and exam fees are included. Plus, you can visit any licensed vet in the U.S. or Canada, including specialists and emergency clinics. Fetch Pet Insurance also provides flexibility with your reimbursement rate, annual limit, and deductible.

However, it’s important to point out that pre-existing conditions are not covered by any pet insurer, so it’s critical to enroll in a plan while your pet is young and healthy!

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Check out these other side-by-side comparisons of Petco and Fetch Pet Insurance vs other competitors.

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Petco Insurance Enrollment Requirements

There are no enrollment requirements. However, when you submit a claim, you authorize us and our administrator to access all medical information that we need to assess your pet’s health. For example, we may ask you for the name and contact information of any veterinarian that has ever seen or treated your pet. You must also provide proof of identity for your pet when we request it.

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