The most complete coverage
for the unexpected
Harvey's health shouldn't come with fine print — that’s why our plan includes what others charge extra for or don't cover at all.
Exam fees covered
Every sick visit comes with an exam fee of up to $250 — we cover those for you.
Every tooth covered
Injury and disease in every adult tooth is covered — not just the canines.
Use any vet in the U.S or Canada
All vets are in-network, including emergency clinics and specialists.
100% paid back on qualifying meds
Save on hundreds of pet meds with our online pharmacy. Deductible & policy limits apply.
Breed-specific issues covered
Pets can be prone to medical conditions based on their breed. We cover those.
$1,000 in Online Vet Visits
Access an online vet 24/7 for expert help on-demand — covered up to $1,000/yr.
Behavioral Therapy
Up to $1,000/yr. to diagnose and treat behavioral issues with a vet. No copay. No deductible.
Fetch Deals
Save $1,500+$1,000+ on pet products and services — included at no extra cost.
What’s covered
Accidents
Illnesses
Tests & Treatments
What’s not covered
Two things your accident and illness plan doesn't include.
Pre-existing conditions not included
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. This coverage includes annual exams, vaccinations, and much more. You’ll save up to $520 a year, with no waiting periods, deductible or copay.
Customize wellness planCompare pet insurance
Not all pet insurance is created equal
If low prices look too good to be true, they probably are. When you see what others don’t cover, you’ll see why Fetch is the best value.
†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.
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!
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?
0:40