I need coverage if one day I don’t land on my feet.

– Chi


Your best friend deserves the best cat insurance.

Fetch is the most comprehensive cat insurance plan in the U.S. and Canada.

Pays back up to 90% of unexpected vet bills

Rated ‘Excellent’ on Trustpilot

No enrollment fee, cancel anytime

Protect your cat

Trusted by lifesaving shelters in the U.S. and Canada

How does Fetch cat insurance compare?

Fetch covers what other providers charge extra for or don’t cover at all. See how different cat insurance companies stack up.

Every sick visit comes with an exam fee, which can be around $50 - $250. We cover those exam fees for you. Not all providers do.

Trupanion & Healthy Paws don’t cover this. Lemonade, Nationwide, Pets Best & Figo charge extra for it.

Sick-visit exam fees

$1,000 in online vet visits

Remote treatment by a vet via phone, email, text or video chat is covered up to $1,000 per year — no copay required.

Trupanion & Healthy Paws don’t cover this.

Behavioral therapy

Consultations with a vet to diagnose and treat behavioral disorders are covered by Fetch — up to $1,000 per year.

Healthy Paws doesn’t cover this. Lemonade, Trupanion, Nationwide & Figo charge extra for it.

Every tooth, plus gums

Every adult tooth and your pet’s gums are covered against injury and disease. Not all providers offer complete coverage. We do.

Lemonade, Nationwide, Pets Best, Healthy Paws & Trupanion don’t cover this. Figo charges extra for it.

Alternative & holistic care

We cover treatments like acupuncture, aromatherapy, chiropractic and homeopathic therapy administered by a vet to treat an injury or illness. Not all providers do.

Lemonade doesn’t cover this. Trupanion, Nationwide & Pets Best charge extra for it.

$1,000 in boarding fees

Fetch cares about pet parents, too. We cover the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Lemonade, Embrace, Nationwide, Healthy Paws, Pumpkin, Pets Best & ASPCA don’t cover this. Trupanion & Figo charge extra for it.

And so much more!

Get unmatched coverage

Fetch covers (and loves) cats of all ages.

We cover cats of all ages — from the time they’re 6 weeks old all the way through their golden years. Not all providers do. Your best friend is your best friend, no matter how many birthdays they’ve had.



6 weeks - 1 year old



Adult cats
2 - 7 years old



Senior cats
8 years old & beyond

Get coverage

Rated 4.7 in the App Store & Google Play. *Updated July 2023.

Fetch pet insurance claims on mobile app

How does Fetch cat insurance work?

Use any veterinarian in the U.S. or Canada.

With Fetch, you have the flexibility to keep your current vet or use a new vet if you’d like. We even cover specialists and emergency clinics.

Submit a claim in minutes.

Just take a picture of your vet documents, answer a few questions about your pet’s treatment and we’ll handle it from there.

Get paid back fast.

Once your claim is approved, you’ll be paid back up to 90% of your unexpected vet bill in as little as 2 days via direct deposit.

Get money back

Why veterinarians choose Fetch cat insurance.

Don’t just take our word for it – here’s what a top veterinarian has to say.

“No one wants to think about accidents or illnesses when it comes to their cat, but even the most loved pets aren't immune. Data shows that being proactive about your pet's health is key to giving your cat a longer, healthier life — and Fetch Pet Insurance is the best way to do just that.”

Headshot of Dr. Audrey Ruple

Dr. Audrey Ruple, DVM, MS, PhD, DipACVPM, MRCVS

Veterinarian, Dorothy A. & Richard G. Metcalf Professor of Veterinary Medical Informatics & Chair of the Fetch Veterinary Advisory Board

Protect your cat

See what pet parents say about Fetch cat insurance.

We’re proud of our 'Excellent' Trustpilot rating and love hearing about how Fetch has positively impacted our community.

If your vet recommends it, Fetch probably covers it.

With Fetch, your cat can see any vet in the U.S. or Canada. Like most other cat insurance plans, Fetch does not cover pre-existing conditions. That's why it's helpful to get coverage as soon as you can. Getting Fetch means peace of mind, all in one simple cat insurance plan.

Vet bill costs are based on U.S. cats’ annual policy terms between 1.1.2020-12.31.2021, where the cats are 1+ years of age. Fetch pays back is based on a policy configuration of an unlimited max annual payout, an annual deductible of $500, where the deductible has been met and a reimbursement rate of 90%.

Sick-visit exam fees

Every sick visit comes with an exam fee, which can be around $50 – $250. We cover those exam fees for you. Not all providers do.

Breed-specific issues

Not all providers cover medical conditions linked to breed, like heart disease in Ragdolls or dental disease in Persians. We do.

Boarding fees

We care about pet parents, too. Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized for 4 days or more. You’re covered up to $1,000 per year.

Advertising & reward

If your pet goes missing, we want to help. Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them. Your plan includes coverage up to $1,000 per year.

Name-brand prescription medications & supplements

We cover medicines like antibiotics and insulin, as well as natural supplements like vitamins and herbal therapies, when they’re recommended by a vet to treat a new injury or illness.

Customize your plan

1 in 3 pets need unexpected veterinary care each year.

Here's a look at how much Oriental Shorthairs, like Radar, rack up in vet bills in a year, on average.

Oriental Shorthair's vet bills:


Fetch pays back:


Vet bill cost is based on the average vet bills for U.S. Oriental Shorthairs’ annual policy terms with effective date between 1.1.2019-12.31.2021, where the cats are 4 years old. Fetch pays back is based on a policy configuration of a max annual payout of $5,000, an annual deductible of $250 and a reimbursement rate of 90%.

Your cat insurance questions – answered!

What is cat insurance coverage?

If your pet gets sick or hurt, cat insurance coverage reimburses you. Fetch cat insurance offers the most comprehensive coverage in the U.S. and Canada and pays you back up to 90%, making your vet bills more affordable. With Fetch, you won’t have to choose between your wallet and your best friend, and it’s easy to give your cat the care they need to live their longest, healthiest, happiest life.

Why do I need a cat insurance plan?

Every 6 seconds, a pet parent is faced with a vet bill of more than $1,000. That doesn’t even take into account the rising cost of inflation, or the fact that veterinary medicine is getting better – and more expensive. Fetch cat insurance plans give you protection from these increasing costs and peace of mind that’s priceless. From allergies to name-brand prescriptions to a cracked tooth, Fetch can offer coverage for a wide range of injuries and illnesses. As a pet parent with Fetch, you’ll be able to give your cat the care they need – without worrying about the full cost of vet bills.

When should I get cat insurance coverage?

The sooner you enroll, the sooner your cat’s covered. Fetch covers dogs and cats 6 months and older, but to make sure your cat gets as much cat insurance coverage as possible, it's best to sign up before they need it. Like most other cat insurance providers, Fetch doesn’t cover pre-existing conditions – which is why we recommend signing up as early as possible. Insuring your cat before health issues develop is recommended, so you and your best friend can live your best lives together.

What’s not covered?

Like most other cat insurance providers, we don’t cover pre-existing conditions. These are medical conditions that first occurred, or your cat showed clinical signs of, either before the effective date of your Fetch policy or during the waiting period of up to 15 days. The good news: If your cat has a medical condition or injury that can be completely resolved without recurrence, or showing any clinical signs – then goes one year from the original incident without any symptoms or treatment, this could be considered a curable medical condition and covered later.

How much does cat insurance cost and how is it determined?

At Fetch, your cat insurance plan’s cost will never be affected by sex, medical and behavioral history, spay or neuter status and indoor or outdoor status. So what do we factor in when we’re determining your plan’s cost? It’s simple: your cat’s age, breed and location. From there, you’ve got options. Here are the different factors you can customize to make sure your price fits your budget.

Cat insurance terms — decoded:

Maximum annual payout
The maximum dollar amount you can be paid back each year. Choosing a lower max annual payout will make your price lower.

Annual deductible
The amount of vet care you need to pay for yourself before we can reimburse you for claims. Choosing a higher deductible will make your price lower.

The percentage of an approved claim total that we can cover. You can choose 70%, 80% or 90%. Choosing a lower reimbursement rate will make your price lower.

How much does a vet visit cost without cat insurance?

The cost of vet visits without cat insurance varies widely and depends on factors like your cat’s breed, age, location and, of course, what brings you and your cat to the vet in the first place.

Let’s say your cat gets a urinary tract infection. Your vet bill would cost, on average, $616 without cat insurance coverage. Fetch covers up to 90% of your unexpected vet bills after you’ve met your deductible – in this case, $554 would be covered. Getting Fetch means getting a significant reduction in your vet bill costs, so that your cat gets the medical attention they may need, and you’ll be protected from the full cost of vet expenses if they do.

Why is Fetch cat insurance worth it?

In addition to offering the most comprehensive cat insurance in the U.S. and Canada, we offer expert-backed health advice and data-driven insights to help you care for your cat from the adorable early days through their golden years.

The Dig >
Read up on the latest pet-parenting tips and health advice when you visit The Dig — your one-stop resource for all things dogs and cats. Want to learn more about pet insurance for cats? Check out what the experts have to say:

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