What does pet insurance cover? | Fetch Pet Insurance (2024)

Here’s everything you need to know about your pet insurance coverage with Fetch.

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What’s covered?

What’s not covered?

What vets can I use?

What’s a waiting period?

How can I maximize coverage?

Unmatched dental coverage >

Fetch offers comprehensive dental coverage. We cover accidents and disease for every adult tooth, not just the canines. Not all providers do. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.

Online vet visits >

Got a quick medical question or need to consult a vet outside of business hours? 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 required.

Treatment for chronic illness >

Specialty care is expensive, and that’s when having the most comprehensive coverage really counts. If your pet needs treatment for a disease, including cancer, Fetch pays back up to 90% of the cost of care. Plus, we offer coverage for your pet’s hospital stay, medications and follow-up care.

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Which vets accept Fetch Pet Insurance?

All vets are in our network — you can use any veterinarian in the U.S. or Canada (including specialists and emergency clinics). We also cover remote telehealth treatment, so you can call, text, email or video chat with a vet to get the support you need. Online vet visits are covered up to $1,000 per year — included at no extra cost — no copay required.

• Any claims submitted during the waiting period will not be covered.

• Any accident or illness that occurs during the waiting period will be considered a pre-existing condition, which means it won’t be eligible for coverage.

• We cover new accidents and illnesses that occur after the waiting period is over.

Ready to give your pet unmatched coverage?

Fetch covers up to 90% of unexpected vet bills. Enrolling in a pet insurance plan with us is easy. We’ll ask you a few questions about your pet’s age, breed and location and help you customize a price that fits your budget. (At Fetch, the cost of your pet's insurance plan will never be affected by sex, spay or neuter status and indoor or outdoor status.) Once the waiting period ends, your coverage begins — and you can kick back and relax knowing that you’ve got a financial safety net for whatever the future has in store for you and your pet. Hopefully, that future includes a lot of treats.

Get Fetch now

When you sign up for Fetch Pet Insurance, you’ll be able to customize your plan and price to suit your pet’s needs. Fetch reimburses up to 90% of covered vet bills (after the waiting period ends and you’ve hit your deductible). Unlike human health insurance there is no such thing as out-of-network — you can use any vet in the U.S. or Canada.

1 out of 3 pets need unexpected veterinary care each year. Having a pet insurance plan is like having a safety net for the unexpected, and the sooner you sign up, the sooner your pet's covered. Most pet insurance providers don't cover pre-existing conditions, so it’s best to enroll in a plan as early as possible. Fetch covers dogs and cats 6 weeks and older with the most comprehensive coverage in the U.S. and Canada. Insuring your pet before health issues develop is recommended, so you can make the cost of veterinary treatment more affordable now and down the road. But don’t just take it from us — check out these reviews and see for yourself why pet parents love Fetch.

If you’re a pet parent to many, we want to make sure your furry friends are covered with Fetch. Each pet you enroll will have their own policy, and you’ll pay a separate premium for each one. Just make sure you use the same email address when you sign up each pet. For more on how to add a pet to an existing account, check out our multiple pet policies page.

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. Like most other providers, Fetch does not cover pre-existing conditions.

With Fetch, you'll submit a claim after your vet visit (this can include your vet bill and your pet's medical records) and you’ll be paid back if the treatment your dog or cat received is covered under your plan and you’ve met your deductible. Submitting a claim is as easy as taking a picture of your vet documents and answering a few questions online or using our app. Once approved, Fetch pays back up to 90% of your bill. To learn more, check out our claims page.