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Discover what the others don’t cover

See how Fetch provides more coverage, more money back and more peace of mind.

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FETCH VS. OTHERs

Fetch is the most complete coverage at the best price — compare for yourself

Fetch vs. Pets Best

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Fetch vs. Lemonade

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Fetch vs. Spot

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Fetch vs. Trupanion

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Fetch vs. Embrace

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Fetch vs. Nationwide

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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.

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†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.

Your Fetch quote includes all monthly taxes & fees

When you're comparison shopping, other providers may not show these costs and look cheaper until check out.

Get your price

Trusted to protect over
485,000 pets
& counting

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

FETCH REVIEWS

See why pet parents choose Fetch

Anaphylaxis due to bee sting

Medical costs: $2, 357

fetch PAID back: $1,984

A dog named Brindi sitting on a beach and looking very regal.A dog named Brindi sitting on a beach and looking very regal.

She had a really bad day, but the whole time, I felt confident knowing most of it was going to be covered by Fetch. I had a safety net, so I could focus on my dog, not the bill.

– Amanda

Brindi’s mom

Heat stroke

Medical costs: $11,730

fetch PAID back: $9,084

Sir Lancelot the Cavalier King Charles Spaniel.Sir Lancelot the Cavalier King Charles Spaniel.

It looked like I could lose him, and that would break my heart. That’s what I was thinking as he was fighting for his life. I was so happy I had Fetch. It made such a big difference.

– Teresa

Sir Lancelot’s mom

Tooth extraction surgeries

Medical costs: $4,164

fetch PAID back: $3,748

Rumple the cat looking concerned as their parent holds them.Rumple the cat looking concerned as their parent holds them.

I didn't realize how expensive it could be if something went wrong. With Fetch, we don't have to worry. We have insurance for ourselves, and it makes 100% sense to have insurance for our cats because they’re family.

– Melissa & Jeff

Rumple’s parents

Gastrointestinal issues

Medical costs: $1,434

fetch PAID back: $1,147

Enzo the dog posing patiently with their pet parents.Enzo the dog posing patiently with their pet parents.

Enzo can’t take care of himself — he can’t tell us when something is wrong. The only way to know is by taking him to the vet. To know he’s okay and my wallet’s okay is a great feeling

– Nick & Ali

Enzo’s parents

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Fetch value

Your pet, your price

Protect your best friend and your wallet.

Customize your price

  • Up to 90% of unexpected vet bills covered

  • 100% reimbursement on qualifying pet meds†

  • Save over $1,500 on pet health + wellness products

  • Use any vet in the U.S. or Canada

Fetch comparison FAQS

Your questions — answered

Get your price

At Fetch, we understand how special your pet is to you (and vice-versa). That’s why we built a plan that covers more of the care your pet needs. Having more coverage means you’ll never have to choose between a vet bill and your pet’s health — so they can have a longer, happier life, and you can both have more good days together.

Fetch Pet Insurance Made for More™
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†Subject to deductible and policy limit; applies to qualifying medications purchased from Fetch Pet Rx.

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.

Vet costs are rising 3 times faster than other products and services according to the U.S. Bureau of Labor Statistics, Consumer Price Index for All Urban Consumers from August 2023 to August 2024.

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 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. Policies in force and number of pets helped based on Fetch data as of 8.15.2025.

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.