Pets Best Insurance vs. Fetch

Pets Best and Fetch are both great options when it comes to pet health insurance. Both companies offer an array of coverage options but perhaps the biggest difference between the two is that Pets Best offers optional wellness care coverage that can be added to your insurance coverage. Their wellness plans cover your pet for expected veterinary expenses like annual visits, vaccinations and teeth cleanings. Fetch does not offer wellness coverage but they do have some unique, optional coverage options like lost pet advertising and reward and boarding fees when necessary.


Price:	Get a Quote	Get a Quote
Overall Rating:
Total Reviews:	7,645	1,837
Deductible:	$50 - $1,000	$250 - $1,000
Reimbursement:	70% - 90%	70% - 90%
Annual Limit:	$5,000 - Unlimited	$2,500 to Unlimited
Company Profile:	Company Overview	Company Overview
Waiting Period for Accidents:	see details/quote	5 days
Waiting Period for Illnesses:	14 days	15 days
Waiting Period for Orthopedic Coverage:	14 days*	15 days**
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	Excluded
Vet Restrictions:	None	None

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Pets Best vs. Fetch

Pets Best and Fetch take different approaches to insuring pets. Fetch offers one plan that pet parents can customize. Pets Best has several policy options that cover various medical needs, like wellness visits and emergency care.

Pets Best Details

Deductible: Pets Best deductibles depend on the policy that you choose.
Reimbursement: Pets Best reimbursement rates fall between 70% and 90%.
Emergency Care: Pets Best has policies that cover emergency care.
Waiting Period for Accidents and Illnesses:
All states except Maine:
- Accidents: 3 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 6 months
- Routine Care: 0 days
  Maine Only
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days

Fetch Details

Deductible: Fetch deductibles range from $250 to $1,000 per year.
Reimbursement: You can choose 70%, 80%, or 90% reimbursement rates from Fetch.
Emergency Care: Fetch covers emergency care.
Waiting Period for Accidents and Illnesses: Fetch has a 5-day waiting period for accidents and a 15-day period for illnesses.

Comparing Coverage From Pets Best and Fetch

If you want a comprehensive plan that doesn’t require much tinkering, Fetch may work better for you. Pets Best, however, has great policies for those who want more control over their coverage options.

Prices From Pets Bets and Fetch

Pets Bets and Fetch prices depend on things like how much coverage you want and whether your pet has existing health problems.

Should You Choose Pets Best or Fetch Insurance?

Both companies are an excellent choice when considering pet insurance for your dog or cat, but if you’re looking for more options you can check out more comparison pages. You can also check out our list of the best pet insurance providers in the U.S. page for more insight. Get a price quote to help you decide whether plans from Pets Best or Fetch fit your budget and coverage needs better.

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Pets Best Insurance Enrollment Requirements

* 6 month waiting period for cruciate ligaments for all states other than ME where it’s 30 days

Additional Note: Pets must be at least 7 weeks old at the time of enrollment, there is no upper age limit for enrollment

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
Standard 15 day Illness Waiting Period for other Orthopedic conditions
Exclusionary period for knees can be waived with a healthy knee exam/check at the vet while the policy is in force
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