Fetch vs. ASPCA pet insurance: coverage comparison
How does Fetch Pet Insurance compare to ASPCA pet insurance?
Fetch covers what ASPCA does not, making Fetch the better choice. For example, Fetch covers every tooth and your pet's gums from injury and disease — ASPCA does not. A few more examples of how Fetch is superior:
ASPCA doesn’t reimburse 100% for online vet visits. Fetch does.1
ASPCA doesn’t reimburse 100% for behavioral therapy. Fetch does.2
ASPCA doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Get more dental, telehealth & medication coverage with Fetch than ASPCA
ASPCA's coverage is limited compared to Fetch — the most complete pet insurance.
 |  | |
|---|---|---|
$1,000/yr. in online vet visits |  | |
$1,000/yr. in behavioral therapy | | |
Online pharmacy. | | |
Every tooth, plus gums | | |
$1,500+ in instant savings | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of June 2026. All coverage is subject to policy limit.
ASPCA covers less than Fetch
Fetch covers every adult tooth and your pet’s gums from injury plus disease. ASPCA does not.
Fetch provides full-mouth dental coverage for accidents and illnesses, so your pet’s teeth and their gums are completely protected. Plus, you get coverage for periodontal disease, oral tumors, dental trauma and more.
ASPCA’s coverage doesn’t include endodontic treatments, like root canals, which cost $3,140 on average. Fetch will reimburse you up to 90% for this. You'll get $0 back with ASPCA.
100% reimbursement on hundreds of qualifying pet meds with Fetch† — you won’t get this with ASPCA
Order your pet's medications from our online pharmacy, Fetch Pet Rx, and get 100% reimbursement on qualifying meds — delivered right to your door.
ASPCA does not do this. Fetch is the only pet insurance provider that reimburses 100% of the cost of your pet’s meds when you use Fetch Pet Rx.
Over 74%
of pet parents report that prescription costs are a burden.
Fetch reimburses $1,000/yr. for online vet visits — no copay, no deductible, no additional costs. ASPCA doesn’t do this.
Fetch includes telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support. Online vet visits are covered up to $1,000 a year.
ASPCA has a helpline that's limited in that it can’t give your pet a diagnosis or provide a treatment plan. If you use a different telehealth provider, you’re responsible for the copay and deductible costs — ASPCA does not reimburse you 100%.
ASPCA does not reimburse 100% for behavioral therapy. Fetch does.
Fetch covers up to $1,000 per year in pet behavioral therapy. You get 100% reimbursement on this coverage with no copay, no deductible, no added costs.
With ASPCA, you’re responsible for the copay and deductible costs if your pet needs to be treated for behavior issues like aggression or anxiety.
Fetch Members get exclusive savings on everyday pet products & services
Shop favorite food, treats, litter, grooming supplies and more with Fetch Deals. Your exclusive savings start the day you enroll.
ASPCA doesn’t have a deals program, so you’ll save $0 on your pet’s favorite things.
Fetch puts more money back in your pocket for behavioral therapy than ASPCA
Both ASPCA and Fetch cover behavioral therapy, but only Fetch offers 100% reimbursement for this care — up to $1,000 per year, no copay, deductible or extra costs. ASPCA doesn’t do this.
Over 95% of dogs and 75% of cats experience behavioral issues. With Fetch, you have up to $1,000 to treat issues like aggression, separation anxiety and urine marking each year with no copay and no deductible. This means you can get 100% of that $1,000 paid back for approved claims, which helps you get your pet the care they need while also saving you money on vet bills.
ASPCA doesn't do this. If your pet has a behavioral problem, ASPCA won’t reimburse you 100% for treating it. You'll be responsible for paying the copay and deductible costs yourself, which means you get less money back in your pocket with ASPCA.
Michelle & Pablo
Behavioral treatment:
$2,466
Fetch paid back:
$1,853
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the top-rated Fetch app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you've met your deductible, get paid back straight to your bank account when you set up direct deposit.
Fetch reimburses 100% for these 7 coverages. ASPCA does not.
While Fetch and ASPCA both offer plans with a 90% reimbursement rate, there are 7 coverages where Fetch will pay back 100% of the cost of approved claims — with no copay and no deductible. This is included for every Fetch Member at no extra cost. ASPCA doesn’t offer this.
7 coverages with 100% reimbursement — up to $1,000/yr. each with Fetch
Behavioral therapy
Fetch gives 100% of the cost to diagnose and treat behavioral disorders with a vet back to you.
Boarding
Fetch covers the cost to board your pet at a licensed facility when you’re hospitalized 4+ days.
Online vet visits
Access to licensed vets on-demand from your phone, computer or tablet is covered 100% by Fetch.
Find a lost pet
Fetch covers the cost of advertising that your pet is lost and paying a reasonable reward for finding them.
Stolen or stray pet
In the tragic event you're unable to find your pet, we'll cover the cost you paid to adopt or buy them.
Canceled vacation
If your pet gets sick or injured when you’re traveling or before you leave, we'll cover cancelation costs.
Passing of a pet
In the heartbreaking event that your pet dies, we'll cover the cost you paid to adopt or buy them.
Learn more about all 100% reimbursement coverages
ASPCA's Wellness coverage gives you less flexibility than Fetch's
Fetch Pet Insurance gives you unmatched coverage when your pet is sick or hurt. When you add Fetch Wellness for preventive care, you’ll get money back for the vet visits that help keep your pet healthy like annual exams, vaccinations, dental cleanings and more. Having both gives you the total package for your pet’s health (and peace of mind for yourself).
ASPCA also offers Wellness coverage, but they only have 2 options — Fetch has 3, which gives you even more flexibility to choose what works best for you and your pet. For example: ASPCA only covers flea and heartworm prevention with their most expensive option. That coverage comes standard with all of Fetch’s Wellness options.
Fetch has thousands of 5-star reviews on Trustpilot
Fetch is rated ‘Excellent’ on Trustpilot with 4.6 stars (out of 5) from verified pet parents. ASPCA is rated ‘Average’ with 3.7 stars.
Questions about how Fetch compares to ASPCA, answered
Is Fetch pet insurance better than ASPCA pet insurance?
Does Fetch cover pre-existing conditions that ASPCA excludes?
Does ASPCA cover dental like Fetch does?
How do I cancel ASPCA pet insurance and switch to Fetch?
What are the best alternatives to ASPCA pet insurance?
Does Fetch Pet Insurance have better reviews than ASPCA Pet Insurance?
