Cost

What is an annual pet insurance deductible?

Your pet insurance deductible is the amount of veterinary care you need to pay for each year out of pocket before your pet insurance plan can reimburse you for claims. So if your annual deductible is $300, you have to pay for $300 worth of approved care before we can start paying you back.

Here’s how pet insurance deductibles work: when signing up for Fetch cat or dog insurance online, we’ll show you three recommended deductibles specific to your pet — they can range between $250 to $2,500. If you want more options, give our pet advisors a call (866.984.0104), and they’ll present you with other quotes or review your policy documents.

The lower your deductible, the quicker you can cover it and the sooner you’ll get paid back. However, a lower deductible can also lead to a higher premium. A higher deductible will reduce your premium since it’ll take longer until you get paid back.

The questions pet parents ask us the most

Pet Insurance

What are the different types of pet insurance?

Can you get pet insurance before surgery?

What is a pre-existing condition?

What is a waiting period for pet insurance?

Claims

How does the claims submission method work?

How can I track my pet insurance claim?

When can I submit a pet insurance claim?

Where can I find Fetch Pet Insurance medical and claims forms?

Coverage

Does pet insurance cover prescription food?

Does pet insurance cover vaccinations & shots?

Does pet insurance cover dental?

Does pet insurance cover medication?

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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 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 XL Specialty Insurance Company, a Delaware Corporation, or AXIS Insurance Company, an Illinois Corporation, in the U.S. and AXIS Reinsurance Company (Canadian Branch) in Canada. For more information, visit fetchpet.com. ©️2024 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. MarketWatch, NerdWallet, Forbes Advisor and Rover are Fetch partners. Unmatched according to The Dodo, May 2022.

Fetch is a registered trademark 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, using a 12-month average, for the period of 01.01.2022 through 12.31.2022 and all available limit combinations. Exam fees based on average costs. Policies in force and number of pets helped based on Fetch data as of 10.12.2023.