Fetch Pet Insurance

Fetch Pet Insurance: veterinary coverage for dogs and cats in the United States and Canada

Fetch Pet Insurance is an insurer specializing in dogs and cats operating throughout the United States and Canada. Its approach focuses on reimbursing up to 90% of unexpected veterinary expenses and offering coverages that, according to its own presentation, other providers charge separately or do not include. Enrollment is open to animals of all ages from six weeks old.

What the policy covers

The base plan covers accidents and illnesses. The accident section includes emergency visits, hospital stays, cuts and scratches, swallowed objects, broken teeth, fractures, bite wounds and poisoning, as well as online veterinary consultations. Illness coverage includes sick visits, vomiting and diarrhea, skin and ear infections, cancer treatment, dental and gum disease, allergies, arthritis, cherry eye and breed-specific issues.

It also includes tests and diagnostics such as X-rays, CT scans, ultrasounds, laboratory tests, physical therapy, surgeries, acupuncture and chiropractic care, treatment for aggression and separation anxiety, and name-brand prescription medications.

Differences the company highlights compared to other insurers

Fetch emphasizes several coverages it considers unusual in the industry: complete dental coverage, which extends to every adult tooth and not just the canines; coverage for hereditary and congenital breed-related conditions; payment of sick-visit exam fees, which can reach $250; and 100% reimbursement on hundreds of veterinary medications through its online pharmacy Fetch Pet Rx. The company states it is the number one choice among shelters and ethical breeders, and that it has been recognized as the best insurer for dental coverage in 2026.

Complementary services and member benefits

The insurer offers 24/7 access to licensed veterinarians through Fetch Online Vet, with up to $1,000 annually in virtual consultations with no copay or deductible. Behavioral therapy coverage reaches $1,000 annually, also with no copay or deductible. Members get access to Fetch Health Perks, with over $1,500 in savings on veterinary-brand products, and Fetch Deals, discounts on everyday products and services. The online pharmacy allows members to obtain medications with full reimbursement.

As a complement, there is Fetch Wellness, an additional option to recover expenses for routine and preventive care, such as annual exams, vaccinations and dental cleanings, which are not included in the accident and illness plan.

Reimbursements and how it works

Reimbursement can reach 90% of veterinary bills and the customer can go to any veterinarian in the United States or Canada. The company publishes claim examples to illustrate the process. The policy is subject to a deductible and coverage limit, and 100% reimbursement on medications applies to products purchased through Fetch Pet Rx.

Company profile

Fetch Pet Insurance presents itself as a company made up of people passionate about animals. In addition to the insurance business, it maintains philanthropic initiatives and states it has raised over $14.6 million to help dogs and cats in need. The company publishes a blog with veterinary information, a help center, a pet insurance buyer's guide and a newsroom. It also partners with other companies to offer its services.

Current acquisition offer

The site showed a limited-time signup promotion: a $25 gift card and a $25 donation to shelters by Fetch, with applicable conditions. It also indicated a 10% monthly savings for a year for certain customers.