Fetch is the first & only pet insurance that covers 7 pre-existing conditions beginning on day one

Chrissy D., Fetch shelter employee

Over 50% of adopted pets suffer from one or more health issues just two days after leaving the shelter. That’s why Fetch gives dogs and cats Pre-Ex Protection™ at no extra cost. This includes coverage to treat 7 common pre-existing conditions starting on day one of your policy’s effective date (there’s no waiting period for newly adopted pets).

‍No other pet insurance provides this protection.

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#1 pet insurance for shelter & rescue pets

the fetch difference

More protection for adopted pets & their new families

Only Fetch covers 7 common pre-existing conditions for newly adopted dogs and cats.

Upper Respiratory Infection

Dog + Cat

Avg. vet bill: $567

Ear Mites

Cat

Avg. vet bill: $312

Kennel Cough

DOG

Avg. vet bill: $403

Feline Herpes

Cat

Avg. vet bill: $280

Conjunctivitis

Cat + DOG

Avg. vet bill: $261

Ringworm

Dog + Cat

Avg. vet bill: $229

Puppy Pyoderma
(skin infection)

DOG

Avg. vet bill: $317

A cat and dog sitting next to each other.A cat and dog sitting next to each other.

Average vet bills based on Fetch claims data for accidents and illnesses from 1.1.24 to 3.31.25.

Fetch also covers curable pre-existing conditions

While no pet insurer covers all pre-existing conditions, Fetch covers 7 common pre-existing conditions, plus curable pre-existing conditions. Curable pre-existing conditions are medical issues that can be completely resolved with no recurrence of signs or symptoms (think: urinary tract infections, bite wounds and more).

In order for the condition to be considered curable by Fetch, your pet must go 1 policy year completely symptom-free from the issue.

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Trusted to protect over
550,000 pets
& counting

Top-rated pet insurance on Google."Most complete pet insurance" according to Forbes.Rated 'Excellent' on Trustpilot.

shelter pet support

See how Fetch gives adopted pets more

Brindi the dog sitting on a beach with the breeze in their face.Brindi the dog sitting on a beach with the breeze in their face.

She had a lot of issues when I first adopted her — a lot more than I anticipated. She developed kennel cough and it was very scary for a few days. I didn't know if she was going to make it. We went to the vet, and got treatment, and then everything was better after that. Now, she's very healthy.

– Amanda, Brindi’s mom

Adoption is just the beginning of the journey with a new pet. Fetch is the only pet insurance that covers common pre-existing conditions from day 1 — providing life-changing support to pet parents and their rescued companions.

– Dr. Aliya McCullough, DVM, MS

Fetch Chief Veterinary Officer & Director of Veterinary Affairs


Dr. Aliya McCullough and her dog.Dr. Aliya McCullough and her dog.
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Over $11 million donated to shelters

Fetch puts its money where its heart is. To help keep pets safe and find forever homes, we’ve donated $11 million (and counting) to shelters and rescues in the U.S. and Canada.

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Fetch is on a mission to help you give your pet a longer, healthier life.

Making the best veterinary care accessible to your dogs and cats — no matter the cost — is just the beginning. When you join Fetch, you’re getting the most complete pet insurance and unlocking a world of exclusive Member Perks on products and services that help you enjoy more good days with your pet.

Fetch Pet Insurance | Love Longer.™

Fetch Pre-Ex Protection provides coverage for the listed pre-existing conditions at no extra cost and with no waiting periods.Fetch Adoption Support provides coverage for the listed pre-existing conditions at no extra cost and with no waiting periods.

Over 50% of adopted pets suffer from one or more health issues just two days after leaving the shelter according to a study of canine post-adoption support published in Animals, a peer-reviewed open-access scientific journal. April 2025.

Comparison is based on core policy coverage and the information is accurate as of January 2025. Alternative and holistic care is known as complementary therapy in your policy.

Most complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. The best price for your pet is based on the individual characteristics of your pet and your location, in conjunction with the customizable coverage options that you can select. Forbes Advisor is a Fetch partner. Consumer Rating, Consumers Advocate, and Rover are also Fetch partners.

Top-rated pet insurance provider on Google Business Reviews compared to pet insurance companies offering nationwide, comprehensive pet coverage. Google is a trademark of Google LLC and this statement is not endorsed by or affiliated with Google in any way.

Fetch has provided over $9 million in support to shelters and rescue pets as of July 2025.

The Fetch Veterinary Advisory Board (VAB) chair and members receive financial compensation for advising Fetch on insurance products, policies, and activities. The VAB chair and members operate without material conflicts of interest. VAB members who are also Fetch employees serve on the board in an ex officio role.

The VAB has no legal or financial responsibilities. Its charter is to give advice and recommendations to the Fetch CEO and executive team. Fetch is solely responsible for deciding what recommendations to implement and absolves the VAB of any and all responsibility and liability.

#1 pet insurance provider for shelter and rescue pets according to Sherry Silk, CEO, The Humane Society of Tampa Bay, Anna Neubauer, CEO, The Hawaiian Humane Society, Dr. Steven Hansen, CEO, The Arizona Humane Society, Adam Lamb, CEO, The Brandywine Valley SPCA, and Alison Cross, Senior Director, Ontario SPCA & Humane Society. The Humane Society of Tampa Bay, The Hawaiian Humane Society, The Arizona Humane Society, The Brandywine Valley SPCA, and The Ontario SPCA & Humane Society are Fetch partners.

This information is descriptive only. Policy activation periods, risk free cancellation terms, waiting periods, limitations, exclusions to coverage and other terms and conditions vary by state or province and are subject to change without notice. Please see your policy for full terms and conditions of coverage. If there is any conflict between the policy and this product information, the provisions of the policy shall prevail.

Fetch insurance policies are administered by Fetch Insurance Services, LLC (d/b/a Fetch Pet Insurance, Fetch Pet Insurance Services in New York and British Columbia, Fetch Insurance in Nebraska, Fetch Pet Insurance Services, LLC in Michigan, North Dakota, New Mexico and California) CA license # 0F60627 and underwritten by AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©2026 Fetch, Inc.

Discounts and offers are subject to approval and may change at any time. Maximum available discount is 10% and may not be available in all states and is not valid with any other offer. Charitable donations offer not available in AK, HI, ID, IN, KS, ND, NY, RI, SC, or TX, limited to $15 in AL and $10 in MI and UT. For policies purchased in LA or NH, the installment fee is waived for the first payment and applied to all remaining payments.

Most complete pet insurance according to Forbes Advisor, March 2025. Based on a comparison of top pet insurance companies on pet.advisor.forbes.com. Forbes Advisor is a Fetch partner. Most comprehensive and most extensive coverage according to Consumers Advocate, January 2023. Based on a comparison of injury and illness coverage between Fetch and North American pet insurance providers on consumersadvocate.org. Consumers Advocate is a Fetch partner. Best pet insurance according to Consumer Rating, August 2023. Based on a comparison of top pet insurance companies on consumerrating.org. Consumer Rating is a Fetch partner. Unmatched according to The Dodo, May 2022. Rated 'Excellent' on Trustpilot based on consumer reviews as of February 2025.

Fetch is a registered trademark owned by Fetch, Inc. Made for More and Love Longer are trademarks owned by Fetch, Inc. Fetch Wellness is insurance coverage added by endorsement to the core injury and illness policy, if purchased. It is not a “Wellness Program” meaning a subscription or reimbursement-based program that is separate from an insurance policy.

Average monthly premiums are based on U.S. annual premiums for dogs and cats, using the most common coverage configuration of $10,000 annual limit, $300 deductible, and 80% reimbursement rate for the period of 07.01.2024 through 06.30.2025. Exam fees based on average costs, according to Fetch data. Policies in force and number of pets helped based on Fetch data as of 4.1.2026.

Average savings of $40+ per order derived from actual Fetch member purchase data from April–June 2025 in the U.S. and Canada and displayed in U.S. dollars. Savings represent the difference between retail price and price paid through Fetch Deals. Individual results may vary. Fetch Deals offers access to savings on health and wellness products and services that policyholders may purchase from independent vendors, which are not covered benefits under your policy. Fetch does not recommend, endorse, warrant or guaranty any specific vendor, product or service available under or through the Fetch Deals program or site. Fetch Deals is not insurance and is not provided by AXIS Insurance Company. The service discounts described on this page are not insurance and are not affiliated with AXIS Insurance company. Please click here to review terms and conditions.