About Fetch Pet Insurance — built by pet parents

Yes, Fetch Pet Insurance is legit and trusted to protect over 600,000 dogs and cats with the most complete coverage. Newsweek readers voted Fetch Pet the #1 pet insurance in 2026, and Forbes named us the “best pet insurance for dental coverage.” For over 20 years, we’ve been helping pet parents give their dogs and cats longer, healthier lives with pet insurance that covers what others charge extra for or don’t cover at all.

Fetch Pet Insurance has been operating since 2003. Over those 20+ years, our mission has always been the same: helping pet parents across the U.S. and Canada protect their dogs and cats with the most complete pet insurance, so they can have more good days.

The President & CEO of Fetch Pet is Paul Guyardo. (He’s also a pet parent to his dog, Huncho.)

Fetch Pet is different from other pet insurance because it covers what those providers don’t, or charge extra for. Take dental coverage, for example: Fetch Pet is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums. Other providers limit dental coverage to the 4 canines or don’t cover dental disease at all. A root canal costs $3,140 on average, so this coverage matters.

Here’s what else you and your pet get from a Fetch Pet policy:

• Fetch Pet reimburses 100% for behavioral therapy, up to $1,000/yr., with no copay and no deductible. With others, you’re still responsible for the copays (if they cover behavioral therapy at all) should your pet need this care.
• Fetch Pet is the only pet insurance that reimburses you 100% for virtual vet visits, with no copay and no deductible, up to $1,000/yr.
• Fetch Pet covers the full sick visit, including exam fees, which can run $50 - $300 before any additional scans, tests or treatments. Others make you add on coverage for exam fees.
• Fetch Pet reimburses 100% on hundreds of qualifying pet meds^† when you order from our online pharmacy, Fetch Pet Rx. You won’t get that from other pet insurance providers.
• Fetch Pet lets you use any veterinarian in the U.S. and Canada (we don’t have any networks). That includes specialists and emergency vet clinics.

Yes, pet insurance is worth it. Every 6 seconds a pet parent gets a vet bill for $1,000 or more. According to Access Veterinary Care, emergency visits and surgeries can range from $1,000 to $10,000+, depending on the condition and location. With Fetch Pet, you can get up to 90% of that paid back, so it’s more affordable to give your pet the best care possible. And if you add optional Wellness coverage to your policy, you’ll have the total package to protect your pet against the unexpected (Accident and Illness) while also getting the preventive care (Fetch Wellness) that helps keep them healthy.

If you have a younger pet, Fetch Pet has the best insurance for puppies and kittens at the best price. If you’re adopting, Fetch Pet is the #1 pet insurance for shelter and rescue pets. Fetch Pet is also the #1 choice among ethical breeders.

Fetch Pet is the best pet insurance provider because it covers more types of injuries and illnesses than others. No one wants to think that their pet might get sick or hurt, but with Fetch Pet your dog or cat will be covered for common conditions (GI issues, cuts or allergies) and more serious ones (broken bones, poisoning, cancer), all in one simple plan. Others charge extra for what comes standard with Fetch Pet, like covering exam fees or medical issues linked to breed. And only Fetch Pet reimburses 100% for 7 coverages — including behavioral therapy and online vet visits — up to $1,000/yr., with no copay and no deductible.

Pet parents agree, too: Fetch Pet is top-rated on Google and rated ‘Excellent’ on Trustpilot, with thousands of 5-star reviews from members who trust us to protect their dogs and cats.