Fetch vs. Pets Best pet insurance: coverage comparison
Is Fetch or Pets Best the better pet insurance?
Fetch is better because it covers what Pets Best does not. Here are a few examples:
Pets Best doesn’t cover injury and illness in every adult tooth. Fetch does.
Pets Best doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch does.
Pets Best doesn’t cover 100% for online vet visits or behavioral therapy. Fetch does — up to $1,000/yr. each.
Dental, behavioral therapy & more are covered with Fetch — not Pets Best
 |  | |
|---|---|---|
Every tooth, plus gums |  | |
$1,000/yr. in behavioral therapy | | |
Online pharmacy. | | |
$1,000/yr. in online vet visits | | |
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.
Pets Best’s coverage has limitations & exclusions you won’t find with Fetch
The most complete dental coverage comes standard with Fetch. Pets Best’s limited dental could cost you thousands.
Fetch covers injury and disease in every adult tooth. Plus, you get full coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, root canals and more.
Pets Best will not reimburse you for endodontic treatments, like root canals, or periodontal (gum) disease in every tooth. These limitations can cost you thousands of dollars.
$3,140
is the avg. cost of a pet’s root canal.
Get 100% reimbursement on behavioral therapy with Fetch — not with Pets Best
Fetch gives you 100% reimbursement for consultations with a vet to diagnose and treat behavioral disorders. You’re covered up to $1,000/yr. with $0 copay and $0 deductible.
Pets Best does not reimburse you 100% to treat behavioral issues your pet might experience.
Over 95%
of dogs and 75% of cats get behavioral problems.
Only Fetch gives you 100% reimbursement on hundreds of qualifying pet meds† — Pets Best doesn’t do this.
With Fetch, medications are delivered to your door and eligible for 100% reimbursement through our online pharmacy, Fetch Pet Rx.
Pets Best doesn’t offer this. Fetch is the only pet insurance provider that pays you back 100% of the cost of your pet’s meds when you use Fetch Pet Rx.
74%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch reimburses you 100% for online vet visits. Pets Best does not do this.
Fetch covers convenient telehealth treatment, so you can call, text, email or video chat with a licensed vet to get support from home or away. Online vet visits are covered up to $1,000 a year — $0 copay, $0 deductible.
Pets Best does not cover virtual vet visits. Their telehealth coverage is limited to a 24/7 helpline app where you can get guidance about your pet’s health and behavior, but they can’t diagnose your pet or provide a treatment plan.
3 out of 4
of those who had a digital vet visit said they were satisfied or extremely satisfied.
Sick-visit exam fees & holistic treatments cost extra with Pets Best & come standard with Fetch
| | |
|---|---|---|
Sick-visit exam fees | | Costs extra |
Alternative & holistic care | | Costs extra |
Vitamins & supplements | | |
Boarding fees1 | | |
$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.
Pets Best covers less than Fetch
Fetch covers sick-visit exam fees. With Pets Best, this coverage costs extra.
Every unexpected visit to the vet comes with an exam fee, which can be around $50 - $300. That’s in addition to any tests and treatment your pet may need. Fetch covers the complete sick visit — exam fee included.
Pets Best charges extra to include sick-visit exam fee coverage in your plan.
7 in 10
pet parents who forgo veterinary care cite financial reasons.
Alternative & holistic coverage is an additional cost with Pets Best, but comes standard with Fetch
Fetch covers acupuncture, aromatherapy, chiropractic and homeopathic treatments, plus other complementary therapies to treat an injury or illness if administered by a vet.
Pets Best doesn’t cover alternative and holistic treatments in their standard plan. You’ll have to pay for their more expensive plan if you want this covered, and even then you’d be getting less coverage than with Fetch.
Fetch covers 100% for pet boarding fees if you’re hospitalized. Pets Best doesn’t do this.
Should you require hospitalization for 4 days or more, Fetch will cover up to $1,000 of your pet’s boarding fees with $0 copay and $0 deductible.
Pets Best doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to pay someone else to take care of your pet.
Save on everyday pet products & services to give your pet a longer, healthier life — at no extra charge — with Fetch
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Pets Best doesn’t have a perks program, so you’ll save $0 on your pet’s food, toys and more essentials.
Pets Best has restrictive dental coverage that can cost you & your pet
When comparing dental coverage between Fetch vs. Pets Best, it’s important to know that Pets Best has limitations on what they’ll reimburse you for — including only covering specific teeth for common treatments, like root canals, and illnesses, like periodontal (gum) disease. Fetch is the only pet insurance that covers injury and disease in all adult teeth and your pet’s gums.
Pets Best only covers periodontal disease if your pet shows no signs of the illness prior to your policy effective date or during the waiting period. More than 80% of dogs and 70% of cats show signs of periodontal disease by age 3, according to the American Veterinary Dental College. If your pet is in that majority, and you sign up for Pets Best, you won’t get reimbursed for periodontal disease treatment, which could cost you thousands of dollars.
With Fetch’s complete dental coverage, tartar (a common sign of periodontal disease) is not considered a pre-existing condition. This means that even if your pet has tartar before you sign up, they can still be covered for periodontal disease with Fetch, and you can get reimbursed up to 90%.
Why complete dental coverage matters: When left untreated, dental conditions can affect a pet’s overall health, including negatively impacting kidneys and other organs, according to ASPCA (American Society for the Prevention of Cruelty to Animals).
Untreated dental issues cause pets a lot of pain, and they can exacerbate conditions outside of the mouth, too. Access to proper dental care helps your pet live a longer, healthier, happier life with you.
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. Pets Best does not.
While Fetch and Pets Best 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. These are included for every Fetch Member at no extra cost. Pets Best 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
Fetch Wellness pays you back for the preventive care that helps keep your pet healthy
You can opt into preventive care with both Fetch and Pets Best. When you add Fetch Wellness, you’ll get money back for annual exams, vaccinations, flea, tick and heartworm medications, dental cleanings and more. While Pets Best only offers 2 Wellness tiers, Fetch has 3 — giving you more flexibility to choose what works best for you and your pet.
Questions about how Fetch compares to Pets Best, answered
Does Fetch Pet Insurance cover more conditions than Pets Best?
Does Fetch cover pre-existing conditions that Pets Best does not?
Does Pets Best or Fetch have better dental coverage for dogs and cats?
Can I use any veterinarian with Fetch and Pets Best?
What is the waiting period for Fetch vs. Pets Best pet insurance?
Is Fetch Pet Insurance better than Pets Best for dogs?
How does Fetch Pet Insurance compare to Pets Best for cats?
Why do pet parents choose Fetch over Pets Best?
