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Dog Insurance GUIDE
Dog insurance, explained
Your best friend deserves the best dog insurance. Fetch is the most comprehensive dog insurance plan in the U.S. & Canada.
Use any veterinarian in the U.S. or Canada
Rated ‘Excellent’ on Trustpilot
Covers up to 90% of unexpected vet bills
Trusted by lifesaving shelters in the U.S. and Canada
What is dog insurance?
Dog insurance can help reimburse you for treatment if your pup gets sick or hurt. Fetch offers the most comprehensive pet insurance coverage in the U.S. and Canada and pays back up to 90%, making your vet bills more affordable. With Fetch, you won’t have to choose between your wallet and your best friend and it’s easy to give your dog the care they need to live their healthiest, happiest life.
Why do I need health insurance for my dog?
Every 6 seconds, a pet parent is faced with a vet bill of more than $1,000. That doesn’t even take into account the rising cost of inflation, or the fact that veterinary medicine is getting better – and more expensive. Fetch pet insurance plans help give you protection from these increasing costs and peace of mind that’s priceless. From swallowed toys to broken bones to gum disease, Fetch offers coverage for a wide range of injuries and illnesses. You’ll be able to give your dog the care they need – without worrying about the full cost of vet bills.
What does dog insurance cover?
Accidents happen, especially if you have an adventurous pup that loves getting into mischief. You can’t predict when your dog will get stung by a bee or crack a tooth. But you can count on Fetch dog insurance to help cover the cost of care when the unexpected happens. We cover unexpected injuries ranging from cuts to ACL tears. If your pet needs surgery, you’re covered. And whatever your vet recommends on the road to recovery, from acupuncture to physical therapy, Fetch has your back.
We’re also here for you when your dog gets sick, with coverage for illnesses ranging from vomiting and diarrhea to chronic conditions like diabetes and cancer. Need to see a specialist? It’s covered. And unlike other providers, we even cover the exam fees, which can save you around $50 – $250 per visit. Take a look below at some common dog insurance claims and how much Fetch can put back in your bank account.
Vet bill costs are based on U.S. dogs' annual policy terms between 1.1.2021 - 12.31.2022, where the dogs are 2+ years of age. Fetch pays back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500 where the deductible has been met and a reimbursement rate of 90%.
When it comes to unmatched coverage, Fetch is top dog
Fetch doesn’t just have the most comprehensive dog insurance plan — we also stand out from the competition by including what other providers charge extra for or don’t cover at all.
Sick-visit exam fees
Every sick visit comes with an exam fee, which can be around $50 – $250. We cover those exam fees for you. Not all providers do.
Breed-specific issues
Not all providers cover medical conditions linked to breed, like breathing problems in French Bulldogs or kidney stones in Burmese.
We do.
Boarding fees
We care about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. Not all providers do.
Advertising & reward
If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.
Name-brand prescription medications & supplements
We cover prescription medicines like antibiotics and insulin, as well as non-prescription vitamins and nutraceuticals, when they’re recommended by a vet to treat a new illness or injury.
Compare dog health insurance plans
Want to see Fetch’s superior dog insurance coverage in action? Here’s how we stack up against other providers.
Sick-visit exam fees
Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.
Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.
$1,000 in online vet visits
Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.
Trupanion & Healthy Paws don’t cover this.
Behavioral therapy
Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.
Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.
Every tooth, plus gums
Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.
Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.
Alternative & holistic care
We cover acupuncture, aromatherapy, chiropractic and homeopathic treatments, also known as complementary therapy, when administered by a vet to treat an accident or illness. Not all providers do.
Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.
$1,000 in boarding fees
Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.
Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.
Fetch dog insurance covers (and loves) pups of all ages
We cover puppies and senior dogs alike — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Your best friend is your best friend, no matter how many birthdays they’ve had.
COVERED
Puppies
6 weeks - 1 year old
COVERED
Adult dogs
2 - 7 years old
COVERED
Senior dogs
8 years old & beyond
Rated 4.7 in the App Store & Google Play. *Updated July 2023.
How does dog insurance work?
Use any veterinarian in the U.S. or Canada
With Fetch, you have the flexibility to keep your current vet or use a new vet if you’d like. We even cover specialists and emergency clinics.
Submit a claim in minutes
Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.
Get paid back fast
Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.
How Fetch dog insurance keeps tails wagging
Fetch covers over 450,000 pets (and counting!) and has helped tons of dog parents pay for the best treatment for their pups. Don’t just take our word for it, though — check out these examples of how Fetch Pet Insurance helped three different dogs and their parents cover the cost of veterinary care.
Protect your pupWally
Pitbull
ACL tear
Medical costs: $4,607
Fetch paid back: $3,685
Reuben
Chihuahua mix
Burst disc
Medical costs: $27,019
Fetch paid back: $20,604
Greyson
Pitbull
Swallowed object
Medical costs: $3,466
Fetch paid back: $2,456
Want to add routine care to your dog insurance plan? We’ve got that
Fetch dog insurance gives you unmatched coverage when your pup is sick or hurt. Add Fetch Wellness, and you'll also be covered for the routine care that keeps them healthy. With both, you'll be better prepared for your pet's veterinary needs, plus you'll save big on vet bills.
Accident & Illness
Accidents & Illnesses
Prescription medications
Canine infectious respiratory disease
Emergency visits
Surgery & hospitalization
+
Add Fetch Wellness
Annual exam
Vaccinations
Dental cleanings
Spaying & neutering
Blood, urine & fecal tests
Explore dog insurance by breed
Fetch offers dog insurance plans to cover every breed, from large dog breeds to small. Check out the average pet insurance price for your dog’s breed and get a free quote for your best friend.
Get a breed-specific price
Veterinarians recommend Fetch dog insurance
Don’t just take our word for it — here’s what a top veterinarian has to say about Fetch dog insurance.
“No one wants to think about accidents or illnesses when it comes to their dog, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your dog a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”
Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS
Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board
See why Fetch dog insurance is loved by pet parents
We’re proud of our 'Excellent' Trustpilot rating and love reading pet insurance reviews about how Fetch has positively impacted our community.
1 out of 3 pets need emergency veterinary treatment each year
Here’s a look at how much English Bulldogs, like Petey, rack up in vet bills in a year, on average.
English Bulldog's vet bills:
$2,404
Fetch pays back:
$1,913
Vet bill cost is based on the average vet bills for U.S. English Bulldogs' annual policy terms with effective date between 1.1.2021 - 12.31.2022 where the dogs are 8 years old. Fetch pays back is based on a policy configuration of a max annual payout of $5,000, an annual deductible of $250 and a reimbursement rate of 90%.
Your dog insurance questions — answered!
When should I get dog insurance?
The sooner you enroll, the sooner your dog is covered. Fetch covers dogs 6 weeks and older, but it's best to sign up before they need it. Like most other dog insurance providers, Fetch dog insurance doesn’t cover pre-existing conditions. That’s why we recommend signing up as early as possible before health issues develop — so you and your best friend can live your best lives together.
What’s not covered with dog insurance?
Like other dog insurance providers, we don’t cover pre-existing conditions. This is any injury, illness or condition that occurs (or your pet shows signs of) before you enroll or during the waiting period of up to 15 days.
The good news is that Fetch is one of just a few providers that covers curable pre-existing conditions. Here’s how it works:
If your dog has an injury, illness or condition and then goes 12 months without signs, symptoms or treatment, that injury, illness, or condition is considered curable and is eligible for coverage.
Curable pre-existing conditions can include: UTIs, respiratory infections, vomiting & diarrhea and broken bones.
How much is dog insurance?
With Fetch, your dog insurance cost is based on your dog’s age, breed and location. From there, you’ve got options. Here are the different factors you can customize to make sure your price fits your budget.
Dog insurance terms — decoded:
Max annual payout
Your max annual payout is the maximum dollar amount you can be paid back each year. Choosing a lower max annual payout will make your price lower.
Annual deductible
Your deductible is the amount of veterinary care you need to pay for yourself each year before we can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved veterinary care before we can start reimbursing you.
Reimbursement rate
Your reimbursement rate is the percentage of an approved claim total that we can cover. For example, if your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.
How much does a vet visit cost without dog insurance?
The cost of vet visits without dog insurance varies widely and depends on factors like your dog’s breed, age, location and what brings you and your pup to the vet in the first place.
Let’s say your Australian Shepherd has a bout of vomiting and diarrhea (dogs, they’re just like us!). Your vet bill would cost, on average, $905 without dog insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $814 would be covered. Getting dog insurance helps your pup get the medical attention they need while also protecting your wallet from unexpected vet expenses.
Is dog insurance worth it?
If you’re looking for potential savings on future vet trips, the answer is yes. Dog insurance helps make vet bills more affordable, and you can rest easy knowing you’ll be covered if your pup unexpectedly gets sick or hurt down the road. But if you’re at the vet with a sick pet right now, bear in mind that your current visit won’t be covered because like other pet insurance providers, we don’t cover pre-existing conditions. Your pet will be covered for eligible claims once they’re enrolled and the waiting period has passed. Just another reason to sign up today.