The most complete coverage in one simple plan.
- Use any vet in the U.S. or CanadaUse any vet in Canada or the U.S.
- Fast & easy claims
- Covers up to 90% of unexpected vet bills
Best Pet Insurance for Dental Coverage
Fetch Accident & Illness Coverage
Accidents (If something happens
Fetch covers:)
Illnesses (If they get sick
Fetch covers:)
Tests & Treatments (If you need answers
Fetch covers:)
Every item above is included in your plan. This just points out what Harvey is statistically likely to need, based on breed and age. Learn more
Your coverage also includes
Our plan includes what others charge extra for or don’t cover at all.
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Exam fees covered
Every sick visit comes with an exam fee of up to $250 — we cover those for you.
More info
Every tooth covered
Injury and disease in every adult tooth is covered — not just the canines.
More info
All vets are in network
All vets are in-network, including emergency clinics and specialists.
More info
Fetch Pet Rx: 100% paid back on qualifying meds
Save on hundreds of pet meds with our online pharmacy. Deductible & policy limits apply.
More info
Breed-specific issues covered
Pets can be prone to medical conditions based on their breed. We cover those.
More info
$1,000 in Online Vet Visits
Access an online vet 24/7 for expert help on-demand — covered up to $1,000/yr.
More info
Coverage for behavioral therapy
Up to $1,000/yr. to diagnose and treat behavioral issues with a vet. No copay. No deductible.
More info
Exclusive discounts with Fetch Deals
Save $1,500+$1,000+ on pet products and services — included at no extra cost.
More infoExam fees covered
Every sick visit comes with an exam fee of up to $250 — we cover those for you.
More infoEvery tooth covered
Injury and disease in every adult tooth is covered — not just the canines.
More infoAll vets are in network
All vets are in-network, including emergency clinics and specialists.
More infoFetch Pet Rx: 100% paid back on qualifying meds
Save on hundreds of pet meds with our online pharmacy. Deductible & policy limits apply.
More infoBreed-specific issues covered
Pets can be prone to medical conditions based on their breed. We cover those.
More info$1,000 in Online Vet Visits
Access an online vet 24/7 for expert help on-demand — covered up to $1,000/yr.
More infoCoverage for behavioral therapy
Up to $1,000/yr. to diagnose and treat behavioral issues with a vet. No copay. No deductible.
More infoExclusive discounts with Fetch Deals
Save $1,500+$1,000+ on pet products and services — included at no extra cost.
More infoWhat’s not covered
Pre-existing conditions are not covered
Like other pet insurance providers, Fetch doesn't cover pre-existing conditions. A pre-existing condition is any injury, illness or condition that you or your veterinarian notice your pet has (or shows signs of) either:
- Before you enroll with Fetch
- Before your policy's effective date
- During the waiting period of up to 15 days
See Terms and Conditions for all exclusions
Routine and preventive coverage is an optional add-on
Accident and illness coverage doesn’t cover wellness care (think routine vaccinations, vet check-ups, spay and neuter). You can add Fetch Wellness for this coverage.
Add routine and preventive coverage
Add preventive care to your accident and illness insurance. It more than pays for itself with just one visit to your vet that includes an annual exam, vaccines, flea/tick medications and a dental cleaning. Plus, you’ll get so much more!
Routine and preventive care covered
Harvey will be protected with Fetch Wellness Advantage. It more than pays for itself with just one visit to your vet that includes an annual exam, vaccines, flea/tick medications and a dental cleaning. Plus, you’ll get so much more!
Customize wellness planExample claims and what Fetch pays
1 in 10 Golden Retriever parents face vet bills like these.
Blood disorders
Bill: $14,049
Fetch pays back up to$12,644
Up to 90% covered
Hip dysplasia
Bill: $5,202
Fetch pays back up to$4,681
Up to 90% covered
Swallowed object
Bill: $4,133
Fetch pays back up to$3,719
Up to 90% coveredThe overall cost of care for illnesses and injuries may vary. Cost estimates are over the dog’s lifetime and based on claims submitted by Fetch policyholders.
*Fetch covers up to 90% of your unexpected vet bill after you’ve met your deductible and copays.
Each example assumes it is your first claim of the policy year, so your full annual deductible applies. Your annual payout is the most Fetch pays back in a year across all claims. placeholder: Fetch legal to confirm wording
Watch & learn
Short videos from Nina, your Pet Specialist. Tap to watch.
0:40Pre-existing conditions explained
0:40What is a waiting period?
0:40How do I get paid back?
0:40Example content
Compare pet insurance
Not all pet insurance is created equal. If low prices look too good to be true, they probably are. Compare Fetch to other providers side-by-side and see what makes our coverage different.
Compare pet insurance
Compare Fetch to other providers side-by-side and see what makes our coverage different.
†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx. *Discounts on pet products & services are not insurance and are not provided by AXIS Insurance Company. Comparison of online pharmacy and discounts on pet products & services based on each provider's website as of Dec. 2025. Comparison of coverage is based on core policy coverage and the information is accurate as of Dec. 2025. All coverage is subject to policy limit.
Fetch is the first and only pet insurance provider to cover common pre-existing conditions from day one for newly adopted pets from participating shelters. Fetch is the #1 pet insurance provider for shelter & rescue pets and #1 choice among ethical breeders based on testimonials from shelter and breeder partners. Comparison of #1 pet insurance provider for shelter & rescue pets and #1 choice among ethical breeders based on each provider's website as of Dec. 2025.
What pet parents are saying
Solid recommendation
Customer service has been great when we've needed them, response times to claims submissions have been fast, and the coverage has been good for our dogs!
Great service
Unfortunately we had a few serious problems with our dogs over the past year. I was very happy to have Fetch. Reimbursement was quick and easy with the correct paperwork and using the app.
Best decision for pet care!
It's so easy to submit a claim! I was amazed how quickly I was reimbursed! I was reimbursed far more than I thought I would be. I'm very happy and impressed with Fetch. Best decision I've made for pet care!
Very easy to submit a claim
And they are processed very quickly. My dog was very sick and it took some time to get her back to normal. Very happy with my insurance.
Pets are expensive, Fetch is not
My dog has needed medical care far more than I expected; nonetheless, I paid the vet, I submitted a claim to Fetch and Fetch reimbursed me promptly. Thank you!
